VA loans are the best deal in mortgages — when they're done correctly. Most lenders fumble them. Let's not. For active duty, veterans, National Guard/Reserves, and surviving spouses.
You earned this. It's a real benefit — not a marketing pitch. Here's what makes VA loans different from anything else on the market:
If any of these apply, you're likely eligible. I'll help you get your Certificate of Eligibility (COE) as part of the process — don't worry about that piece up front.
90+ days of continuous service during wartime, or 181+ days during peacetime.
Met minimum service requirements + honorable discharge (or qualifying conditions).
6+ years of service, or 90+ days of active duty during wartime.
Spouses of service members who died in the line of duty or from a service-related disability.
Not every lender knows VA. When they don't, here's what they get wrong:
Buy a primary home with zero down. Single-family, condo, or multi-unit (up to 4 units if you live in one).
Interest Rate Reduction Refi. Easiest refi in the industry — no appraisal usually, minimal paperwork, fast close.
Tap your equity. Up to 100% LTV in some cases — more than conventional cash-out allows.
For loan amounts above the county VA limit. Still gets VA's benefits, with some down payment usually required above the limit.
Probably yes, if you served. The exact requirements depend on when and how you served, but the bar is reasonable. Send me a quick message about your service history and I'll tell you within 24 hours.
Typically 2.15% on your first VA loan, 3.3% on subsequent uses. Disabled veterans (10%+ disability rating) are exempt from the funding fee entirely. The fee can also be rolled into the loan, so you don't pay it out of pocket.
Yes. Once you pay off the loan (or sell the home) your full entitlement comes back. You can also have multiple active VA loans at once in some situations — I'll explain how if it applies to your situation.
Technically there's no max — VA-eligible borrowers with full entitlement can borrow as much as a lender will approve. There are county loan limits that affect when down payment kicks in for jumbo amounts, but most veterans never hit those.
A mix of reasons — some don't know they qualify, some get steered to conventional by uninformed lenders, some are misinformed about the funding fee. If you served and you're buying or refinancing, VA almost always wins the math. Let's check yours.
30 minutes on the phone. I'll walk you through your eligibility, the loan options, and whether VA is actually the right move for you.