Shane Direct: (949) 322-3616 | Brian & Nichole: (949) 202-5332

In 1944, the VA loan program was created. Since that time, it has helped more than 22 million homebuyers to affordably purchase homes with zero down.

If you are or were an active member of our nation’s military, you too could qualify for the many benefits of a VA mortgage.

What is a VA Loan?

A VA loan is one which is insured by the Department of Veterans Affairs (VA). With the VA standing behind your loan, you are eligible for zero down, affordable mortgage rates, and other amazing benefits.

To qualify for this type of loan, you must be an eligible veteran, active-duty service member, or surviving spouse. Because the VA loan program is available nationwide, your location has no impact on your eligibility.

Benefits of VA Mortgages

Here are the many advantages you can look forward to if you are eligible for a VA mortgage:

You can move into a new home right away without making any down payment.

VA mortgages have low interest rates, even with no down payment.

You do not need to have ideal credit to qualify for all of these exciting benefits.

Closing costs can be paid out of pocket or covered by a seller credit and/or a lender credit.

Your funding fee will be waived if you are a qualified disabled veteran.

Even though you can put zero down on a home with a VA mortgage, you are not required to pay for private mortgage insurance (PMI). This is a big savings over FHA and conventional loans with low down payments.

No prepayment penalties are included with VA mortgages.

You will have the guidance of the VA in the future if you have difficulties keeping up with payments on your VA loan.

Buying a home with a VA mortgage is not the only way that you can make use of your VA home loan benefits. You can also use as a VA loan to build a home, repair one, or upgrade one. VA refinancing is also offered.

Eligibility Requirements for a VA Loan

To be eligible for a VA mortgage and all of its benefits, here are the requirements that you need to meet:

You must be a veteran of the military, active-duty service member, or eligible surviving spouse.

Members of any branch of the military can qualify. The same is also true of the reserve and National Guard so long as you were activated.

You must meet certain minimum service requirements. What these requirements are depend on the era during which you served. In the majority of cases, 90 days of wartime service or 181 days of peacetime service should be adequate to establish eligibility.

If you have used your VA loan benefits in the past, that does not disqualify you from doing so again now. You can use them an unlimited number of times, and there is no expiration date. So it does not matter how long ago you performed your service.

Does declaring bankruptcy or going through a foreclosure prevent you from qualifying for a VA mortgage? The answer is no. The waiting period after a Chapter 13 bankruptcy is just 12 months after the BK filing date, and after a Chapter 7 bankruptcy is 24 months from the BK discharge date. For forecloses the waiting period is 2 years and for short sales there may be no waiting period.

What Our Clients Are Saying

al harvey
al harvey
03:08 13 Mar 20
Professional, knowledgeable, very accessible and easy to talk to. And we closed early! Couldn't be happier!
Brianna Thierfelder
Brianna Thierfelder
05:08 18 Jan 20
Brian and Nichole were awesome to work with. We got the best rates on our fixed mortgage (others tried to beat it, but couldn't), closed on time (within a month), and they were available and quickly responded to any questions we had. We received weekly updates on our loan status, as well. They truly go above and beyond and are genuinely wonderful people. We felt like they did everything they could in our best interest and make the process go so smoothly, especially for as fast as it went. I highly recommend working with Grand Lending Team and will definitely work with them if we ever refi or buy again.read more
Jenny Roberson
Jenny Roberson
03:42 05 Dec 19
We worked with Nichole for our initial loan on the purchase of our first house and when it was time to refinance, we of course went to Grand Lending! The process was easy and both Nichole and Brian were available to answer any question we had... wonderful experience during what could be a stressful event- would definitely recommend!read more
Casey Mitchnick
Casey Mitchnick
17:00 21 Nov 19
Brian and Nichole VerBurg were professional, kind, and always promptly responded to inquiries. I look forward to working with them again in the future
Azhang Hamlekhan
Azhang Hamlekhan
16:17 22 Oct 19
Brian and Nichole are awesome! They were honest, clear and responsive in every step of my refinance process. I will work with them for my next home loan.
Pyam Ramnes
Pyam Ramnes
03:33 20 Oct 19
It's been an easy and clear process. Both Nichole and Brian are awesome.
Robert Kodama
Robert Kodama
21:36 09 Oct 19
Nichole and her assistant Brian are a dynamic lending duo. I have worked with them on several home and multi unit loans and they have always produced with flying colors. I have received the best rates and the best customer service. Getting a loan can be stressful but they make it smooth and simple. I Just closed on a home recently and they helped make it an enjoyable process. Thanks you two and best of luck!read more
Jason Groel
Jason Groel
16:49 04 Oct 19
My experience with Brain and Nicole couldn’t have been better. We partnered together buying our new home and refinance that loan. In a situation that can be overwhelming Brian and Nicole certainly know how to make everything as streamlined as possible. The best part about working with Brian and Nicole is that they consistently watch your loan to ensure you are getting the best deal. Without them I would not have refinanced and would not be saving over $400 a month. Thanks you Brian and Nicole.read more
E D
E D
20:25 20 Sep 19
Brian is honest, caring and smart. He helped me with my loan and i got an unbeatable rate. Totally satisfied with Grand Lending Team service.
Scott
Scott
23:52 16 Sep 19
A bright light in a dark industry!!!!This is the second mortgage we have done with Brian and Nichole and they are the only ones we would use moving forward. First with the purchase of our home. Nichole was right there at evert step and was very quick to response to any questions we had. Thank you Nichole!!!On our refi, Brian not only got us a better rate then was first presented. Brian and Nichole again had us covered. We never ever had to think "what was happening with our loan?" I would 100% recommend Brian and Nicole and the Grand Lending Team for all of your mortgage needs. They are the only people I trust with my mortgage needs!!!Thanks,Scottread more
Uncle Eddy's Lasagna
Uncle Eddy's Lasagna
20:42 01 Aug 19
As a former corporate real estate executive & broker I ca strongly recommend this group. They handled all aspects of my loan in a very professional manner & brought it to a very successful closing with a great rate & terms.read more
Dorothy Lee-Jenkins
Dorothy Lee-Jenkins
01:57 01 Aug 19
Nichole & Brian did a wonderful job with our re-fi. We highly recommend their services. Very professional and return calls promptly. We would use them again.
Hayden Kracke
Hayden Kracke
19:14 17 Jul 19
Brian and his wife Nichole were on top of everything before they were even asked. I switched to them mid-escrow and they Killed it! They will be the only lender I will use for the rest of my life
Hayden Kracke
Hayden Kracke
19:14 17 Jul 19
Brian and his wife Nichole were on top of everything before they were even asked. I switched to them mid-escrow and they Killed it! They will be the only lender I will use for the rest of my life
ANTHONY GIARRUSSO
ANTHONY GIARRUSSO
14:07 20 Mar 19
I highly recommend, ended up with a great rate on my refi. I got a quote from Chase and these guys beat it by .25%. The process was smooth and easy. I haven’t worked with an easier company, they have the process down.read more
laurie plunkett
laurie plunkett
01:23 12 Mar 19
Nichole is the best and she really knows the business. We have done an initial purchase with her in 2009 and a re-fi in 2016. As anybody knows, it can really be a frustrating process, but not with Nichole. She moves to get you closed quickly and makes everything go smoothly. You will not be disappointed with having Nichole take care of everything for you.read more
Peter Helmuth
Peter Helmuth
19:44 10 Mar 19
I highly recommend Nichole and her team. They did a great job and got us a much better rate than the bank we've been using for over 12 years. We got a mailer from her urging us to compare her rates to our bank and sure enough her rate was better. When we locked the rate it was even a little better than expected and as she promised there were no extra fees involved. I had a great experience and would highly recommend them for your next mortgage.read more
Brett Davis
Brett Davis
20:01 28 Feb 19
The Grand Lending team came through in crunch time and took care of everything they said they would . My life was a lot easier thanks to their hard work and dedication!
Victoria Monroe
Victoria Monroe
03:53 13 Feb 19
Nichole was very helpful and able to get me a loan with a way lower rate than everyone else I talked to. I shopped around with several lenders and I even had one tell me her rate and fees were impossible to get, that it would be changed! I stayed with her and she showed me proof of the locked rate and I was able to close my loan with ease! Her assistant Brian was very informative and helped me along the way. I would highly recommend using this company if you are selling a house, buying a house or just refinancing a loan!read more
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Buy a Home With Zero Down With a VA Loan Now

You have served your country, and it is time now to take advantage of the benefits which you have earned through your duty. To purchase a home with a zero down VA loan today, please call (800) 293-2133. During your consultation, we can review your service record and help you apply for a VA loan in any of the 50 states.

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