Honoring our Veteran's with VA Home Loans

A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs. It’s designed to help eligible service members, veterans, and surviving spouses buy or refinance a home—often with no down payment and no private mortgage insurance (PMI).

Most veterans, active-duty service members, reservists, and National Guard members qualify. Surviving spouses of veterans may also be eligible. If you’re not sure, I can help check your eligibility in just a few minutes.

Usually not! VA loans typically allow 0% down, which is one of the biggest benefits. That said, you’ll still need to cover closing costs—but I can help you keep those low, too.

There’s a VA funding fee, which helps keep the program running, but it can be rolled into the loan. Working with a local broker like me often means lower lender fees than big banks or national lenders. I’ll show you all your options upfront—no surprises.

Yes! Many veterans use their VA loan benefit multiple times—whether upgrading homes, relocating, or refinancing.

Unlike a bank or single lender, I shop multiple VA lenders on your behalf to find the best fit. That often means better rates, lower fees, and a smoother process—plus you get a real human to walk you through every step.

Usually just a few hours! If you’ve got your income and service info ready, I can typically pre-approve you the same day.

Yes—VA loans tend to be more flexible than conventional loans. I’ll review your situation and help you find a path forward, even if your credit isn’t perfect.