VA Loans in Arizona: Your Service.Your Benefit.
VA Loans offer $0 Down Payment and No PMI for eligible veterans and active-duty military. It's the most powerful home buying tool on the market.
Local VA Loan Experts
We are licensed VA specialists in Arizona. Select your state to see local conforming limits and options.
Buy a Home
Use your $0 down benefit
Stop renting and start owning. Use your VA entitlement to buy with no down payment and no private mortgage insurance.
Select your state:
Refinance
Lower your rate or get cash
Already have a VA loan? Use the IRRRL Streamline to lower your rate, or a Cash-Out Refinance to access your equity.
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Understand VA Loans
Before diving into the details, watch these official guides to understand your benefits.
Glad You Asked: Understanding VA Home Loan Benefits
An overview of the benefits available to veterans through the VA Home Loan program.
Video Playlist
4 educational videos
Select a video to play
Zero Down Payment
Qualified borrowers can buy a home with no down payment, saving years of saving.
No PMI Required
VA Loans don't require monthly mortgage insurance, saving you hundreds every month.
Lower Interest Rates
VA Loans typically offer lower interest rates than conventional or FHA loans.
A Benefit You've Earned
The VA Mortgage is a home loan benefit guaranteed by the U.S. Department of Veterans Affairs. It was created in 1944 to help returning service members achieve the American Dream they fought to defend.
It is widely considered the best mortgage product on the market, offering terms that conventional borrowers simply cannot get.
Who is it for?
Veterans, Active Duty, National Guard, Reserves, and Surviving Spouses.
What can I buy?
Single-family homes, condos, multi-unit properties (up to 4plex), and manufactured homes.
How It Works
Private Lenders Lend
Banks and brokers (like us) fund the loan
VA Guarantees the Loan
Backing typically 25% of loan value
You Get Better Terms
0% Down, No PMI, Lower Rates
The 5 Pillars of the VA Benefit
Why knowledgeable homebuyers choose the VA loan over every other option available.
No Down Payment
Purchase a home with $0 down. For a $400k home, that saves you $12k-$80k upfront compared to other loans.
No Mortgage Insurance
Conventional buyers pay PMI until they have 20% equity. VA buyers never pay this monthly fee, saving $100-$400/mo.
Lower Interest Rates
Because the government backs the loan, lenders take less risk and pass the savings to you in the form of lower rates.
Easier to Qualify
Flexible credit requirements and higher debt-to-income ratios allowed. The VA wants you to use this benefit.
Lifetime Benefit
It's not a one-time use. You can use your VA entitlement over and over again for future home purchases.
Limited Closing Costs
The VA limits what fees you can be charged. Sellers can also pay up to 4% of closing costs and concessions.
Who Is Eligible?
Most members of the military, veterans, reservists, and National Guard members are eligible to apply for a VA loan.
Active Duty Service Members
90 continuous days of service.
Veterans
Length of service requirements depend on when you served (typically 90 days in wartime, 181 days in peacetime).
National Guard & Reserves
90 days of active duty (under Title 10) or 6 years of creditable service.
Surviving Spouses
Unremarried spouses of veterans who died in service or from a service-connected disability.
Note on Discharge Status: You generally need an "Honorable" or "General (Under Honorable Conditions)" discharge. Other statuses may require a review.
Certificate of Eligibility (COE)
This is the document that proves to lenders you are eligible. You don't need it to start the process, but you will need it to close.
We Can Get It For You
As an approved lender, we can usually pull your COE instantly through the VA's online portal.
No obligation • No credit check required to start
The VA Funding Fee Explained
To keep the program running without taxpayer money, the VA charges a one-time "Funding Fee." This fee is typically rolled into the loan, so you don't pay it out of pocket.
Are You Exempt?
Veterans with a service-connected disability (10% or higher) pay $0 funding fee.Purple Heart recipients and surviving spouses receiving DIC are also exempt.
Current Funding Fee Rates (Purchase)
| Down Payment | First Use | Subsequent Use |
|---|---|---|
| Less than 5% (Most Common) | 2.15% | 3.30% |
| 5% or more | 1.50% | 1.50% |
| 10% or more | 1.25% | 1.25% |
The Road to Homeownership
Get COE & Pre-Approved
Establish your eligibility and budget. Sellers need to see you are a serious buyer.
Find a Home & Offer
Shop with your agent. Submit an offer. Once accepted, the clock starts ticking.
VA Appraisal
A VA-assigned appraiser checks the home's value and safety (MPRs). This protects you.
Close & Move In
Sign the paperwork. Get the keys. Enjoy your new home with $0 down.
Busting Common VA Loan Myths
Don't let misinformation stop you from using your hard-earned benefit.
Myth: "VA Loans take forever to close."
Fact: According to Ellie Mae data, VA loans close in about the same timeframe as conventional loans (approx 40-45 days). The "slow" reputation is from decades ago.
Myth: "You can only use the benefit once."
Fact: The VA loan is a lifetime benefit. You can reuse it for every home purchase. If you pay off a VA loan, your full entitlement is restored.
Myth: "Sellers don't like VA offers."
Fact: While some uneducated agents may steer sellers away, a good loan officer (like us) calls the listing agent to vouch for the strength of your file. VA loans have a very high closing success rate.
Frequently Asked Questions
Common questions from our veteran clients.
Ready to Use Your Benefit?
You served your country. Now let this benefit serve you. Get your Certificate of Eligibility and start shopping today.