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

Facundo Lavino
Facundo Lavino
19:16 26 Oct 21
Nichole and Brian are AMAZING. They were resourceful, patient and made it happen for us. We got a new house thanks to them. Thank you very much
They did an amazing job of getting the rates we wanted and quickly with ease. I highly recommend them if you are buying in CA!
Shaktivan Chamba
Shaktivan Chamba
22:18 15 Oct 21
Brian and Nicole are a pleasure to work with. appreciate the clarity, availability to answer the many questions, capabilities to succuessfully fund, kindness, trustworthiness. thanks
Nauz Karami
Nauz Karami
14:42 13 Oct 21
It was such a pleasure to work with Brian and Nichole on this loan. As a real estate professional I work with so many lenders/ brokers so when it came time to choosing one for my personal deal I definitely had a lot of options. with that said I chose Brian and his team as they were the most responsive, gave me the best rate and we’re so on top of the file. The whole process was super easy and smooth and we didn’t have a single delay! Will definitely be sending all my clients to Grand Lending Team.
00:35 13 Oct 21
We had a great experience working with Nicole & Brian. They were efficient, professional, thorough, and made us feel comfortable throughout the entire process.

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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