Arizona VAHome Loans
Your military service has earned you one of the most powerful home buying benefits available. Take advantage of $0 down payment and no monthly mortgage insurance (PMI).
What is a VA Loan?
The VA loan program is a mortgage option created specifically for veterans, active-duty service members, and eligible surviving spouses. It is provided by private lenders but partially guaranteed by the Department of Veterans Affairs.
This government backing gives lenders more confidence, allowing them to offer favorable terms like zero down payment and competitive interest rates that are often lower than conventional mortgages.
Whether you're buying a home in the Phoenix sunshine or the cooler pines of Flagstaff, a VA loan is designed to make homeownership affordable and accessible for those who have served our country.
For a complete educational overview of eligibility, the funding fee, and entitlement, read our VA loan guide.
VA Loan Advantages
Discover why the VA loan is considered the premier mortgage program for those who qualify.
Zero Down Payment
Purchase your Arizona home with $0 down payment. Unlike most loan programs, you don't need years of savings to get started.
No Monthly PMI
Conventional loans require private mortgage insurance if you put less than 20% down. VA loans never require monthly PMI, saving you hundreds.
Lower Interest Rates
Because the government guarantees a portion of the loan, interest rates are typically 0.25% to 0.50% lower than conventional rates.
Flexible Credit Score
VA loans are more forgiving with credit history. Even if your score isn't perfect, you may still qualify for excellent terms.
Reusable Benefit
Your VA entitlement is a lifelong benefit. You can use it to buy your first home, and use it again later for your next home.
No Prepayment Penalty
You have the freedom to pay off your loan early or refinance at any time without facing financial penalties.
VA Loan Eligibility
Active Duty Service
Service members currently on active duty are eligible after 90 continuous days of service.
Veterans
Eligibility depends on the length and period of service, typically 90 days during wartime or 181 days during peacetime.
National Guard & Reserves
Members of the National Guard and Reserves are typically eligible after six years of service or 90 days of active service.
Surviving Spouses
Un-remarried surviving spouses of veterans who died in the line of duty or from a service-connected disability may be eligible.
Certificate of Eligibility (COE)
To prove eligibility, you need a COE. We can obtain this for you electronically from the VA in just a few minutes.
Not Sure If You Qualify?
Navigating VA requirements can be complex. Our team specializes in veteran homeownership and can determine your eligibility today.
Speak with a VA ExpertVA Loan FAQ
Ready to Use Your VA Benefit?
Honor your service with the home you deserve. Start your Arizona VA home loan journey with a local expert who understands your benefits.