Veterans Home Loan Rates


We offer the lowest Veterans home loan rates in Arizona and coming soon California.  Look no further we can help in your new home purchase.   On a purchase, one needs a middle fico score of 640 or higher to qualify. Veterans home loans do not require any down payment and do not have any mortgage insurance.  You do have to pay an upfront funding fee which is based on your military type and whether you have used your Veterans benefits before.

Veterans home loans also allow borrowers to obtain cash out up to 100% loan to value ratio.  However, not all lenders follow VA guidelines.  Therefore, if you are looking for a Veterans cash out loan up to 100% loan to value ratio, please tell us upfront so we can choose the right lender for you.

Veterans home loan have a much stricter debt to income requirement than FHA loans.  Veterans home loan rates are guaranteed by the U.S. government.  To qualify for a Veterans home loan, one can not have any late payments on their student loans.  If you do, you will need to wait one year to apply until you have one full year of clean payment history.

Certificate of Eligibility:  We will need a copy of your certificate of eligibility.  You can log onto the Veterans portal site and down load a copy or if you prefer we can pull it off online for you.

Veterans Home Loan Rates are extremely low at the moment which makes them a great loan option.  What’s even better is you don’t have to pay mortgage insurance. Let’s assume you obtained an FHA loan rather than a Veterans Home Loan, on a $100,000 on an FHA loan you would be paying $112.50.  On a Veterans Home Loan, you don’t pay any mortgage insurance.  That’s a huge savings.

Article 1:  Veterans Home Loan Rates

We are currently licensed in Arizona and coming soon California.

Prefer to fill out an online application versus a paper form?  No problem.  We can send you a link to fill out the loan application online.  To start the process call our office at 602-358-8717 and tell us you would like us to email you the link to fill out the online application.  It’s as easy as that.  If you aren’t comfortable filling out an online application, no problem.  We can email you the forms to be filled out, scanned, & sent back to our office.