The VA Loan: The Greatest Benefit
a Veteran Can Use

$0 down. No PMI. Up to 100% LTV. Earned through your service — let's make sure you use it.

▶ See What You Qualify For Apply Now

VA Loan Programs

Every VA Option — Explained Simply

VA Purchase Loan

The gold standard for Veteran homebuyers. Buy a home with absolutely no down payment and no monthly mortgage insurance.

Up to 100% LTV — no down payment required
No monthly private mortgage insurance (PMI)
Competitive interest rates
Flexible credit requirements
One-time VA funding fee (may be waived)

Calculate What I Can Afford

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VA Cash-Out Refinance

Access up to 100% of your home's value as cash. Consolidate debt, cover expenses, or invest — on your terms.

Up to 100% LTV cash-out (approved borrowers)
Replace high-interest debt with one low payment
No monthly mortgage insurance
Funding Fee exemption if disabled
Can be used to pay off non-VA loans

Run My Cash-Out Estimate

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VA IRRRL — Streamline Refinance

Already have a VA loan? The IRRRL is the fastest path to a lower rate — with minimal paperwork and no appraisal in most cases.

Lower your interest rate fast
No appraisal required in most cases
Minimal documentation needed
Can roll closing costs into the loan
Veterans only — must have existing VA loan

Start IRRRL Application

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VA Renovation Loan

Buy a fixer-upper and finance the renovations into one loan. Purchase as-is and renovate with the loan funds.

Buy the home and fund repairs in one loan
No down payment required
Ideal for foreclosures and distressed properties
Approved repairs must add value
Work with VA-approved contractors

Ask About Renovation Loans

VA Eligibility

Do You Qualify for a VA Loan?

You may be eligible if you meet one or more of the following service requirements:

Served 90 consecutive days of active service during wartime
Served 181 days of active service during peacetime
Served more than 6 years in the National Guard or Reserves
You are the spouse of a service member who died in the line of duty or as a result of a service-connected disability
Received an honorable or other-than-dishonorable discharge

Not sure if you qualify? Let Mario check for you — free, no obligation, no credit pull required.

▶ Check My Eligibility

VA Funding Fee Explained

The VA funding fee is a one-time fee paid to the VA to keep the loan program running. It can be financed into your loan — so you may not need to pay it upfront.

First Use (No Down Payment)2.15%

Subsequent Use3.3%

With 5%–9.99% Down1.5%

With 10%+ Down1.25%

🛡️ Disabled Veteran?

If you receive VA disability compensation (or are otherwise exempt), the VA Funding Fee is completely waived.

Funding fee percentages are set by the U.S. Department of Veterans Affairs and are subject to change. Confirm current figures with Mario or at va.gov.

Native American & Alaska Native Veterans

HUD Section 184 Loan

Native American Veterans may also qualify for the HUD Section 184 loan — offering low down payments, flexible credit, and reduced mortgage insurance. We help you compare VA vs Section 184 to choose the best path.

Learn About Section 184

We'll help you compare both programs at no cost.

VA Mortgage Estimate

Estimate Your VA Mortgage Payment

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Get a Personalized VA Payment Estimate

Mario will run your numbers — purchase price, rate, VA funding fee, and estimated monthly payment — based on your actual situation. Free, and no credit pull is required to get started.

▶ Request My Estimate Talk to Mario

Open the Affordability Calculator

VA Loan FAQ

Common Questions — Answered

Can I use a VA loan more than once? ▼

Yes! Your VA loan benefit is reusable. As long as you have remaining entitlement and meet the lender's requirements, you can use your VA benefit again and again throughout your lifetime.

What credit score do I need for a VA loan? ▼

The VA does not set a minimum credit score requirement. Most lenders look for roughly a 620+ score, but Mario works with Veterans across a range of credit situations. Even if your credit isn't perfect, you may still qualify.

Do I really pay $0 down? ▼

In most cases, yes. Qualified Veterans can typically purchase a primary residence with no down payment using a VA loan, up to the amount supported by their entitlement and income. Closing costs and the VA funding fee may still apply.

What's the difference between VA Cash-Out and IRRRL? ▼

VA Cash-Out allows you to access your home equity as cash and can be used to pay off non-VA loans. The IRRRL (Streamline) is specifically for lowering your rate or monthly payment on an existing VA loan — with less paperwork and no appraisal in most cases.

Is my surviving spouse eligible? ▼

Often, yes. The surviving spouse of a Veteran who died in the line of duty or from a service-connected disability may be eligible for VA loan benefits. Contact Mario to discuss your specific situation.

Ready to use your VA benefit? What Can I Afford?

Apply NowServing Arizona Homeowners

The VA Loan: The Greatest Benefita Veteran Can Use