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VA Loan & VA Mortgage Benefits

Serving in the military has many benefits. Active and retired military members may qualify for a VA Home Loan, which could provide more affordable terms than conventional loan programs. VA loans, guaranteed by the Department of Veteran Affairs, are available to select active-duty, reserve and national guard servicemembers as well as eligible veterans and spouses of military personnel. For more information about VA home loan eligibity, click here.

Some of the many benefits of VA loans include:

  • Fixed-rate and/or adjustable-rate terms
  • No requirement for a down payment
  • No requirement for private mortgage insurance
  • Low credit score requirements

You can get a VA loan to buy a home, or you can get a VA IRRRL to refinance a current loan. In either case, you can typically enjoy lower interest rates than what you would get on other conventional home loans, and you can get 100 percent of the amount of your home purchase financed.

There are additional criteria to qualify for a VA loan besides being a member of the military, including meeting some minimum income and credit requirements. Talk with KHoward Mortgage Team today to determine whether you qualify and whether a VA loan would be the right choice for you, or to discuss your other options such. Our Mesa FHA lenders or Arizona Conventional mortgage company can help get you into your dream home!


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Apply for a VA Home Loan in Arizona

Applying for a VA loan does add a few steps to your home-buying process because your military service will have to be verified. That means contacting the right offices and getting the right documentation sent over. KHoward Mortgage Team will guide you through all those steps and ensure that you get the information you need quickly to get the process started.

Before you apply, your mortgage broker will help you analyze your finances to understand exactly what you can afford and what you need in a loan to buy the home you want while still staying in your budget. If a VA loan is right for you, our manufactured home loan brokers in Mesa will help you through the application process to improve your chances of being approved. If a VA loan isn’t the right choice, our brokers will let you know what other loan programs would be more appropriate.

Typically, we have multiple loan programs that can help buyers meet their financing needs. Our brokers work to match buyers with the right program so they keep their costs low and are able to buy the home they want on the timeline they want. Call us today to start exploring your home loan options and to learn more about VA loans.


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