VA Loans
Zero down, no monthly mortgage insurance, and competitive rates for those who served.
What are VA Loans?
A VA Loan is designed to offer long-term financing to veterans. VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Department of Veterans Affairs. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than a conventional loan. Ricky is an 82nd Airborne veteran and works VA files personally.
A good fit if you are
- Active duty, veterans, reservists, and eligible surviving spouses
- Buyers who want to keep their cash and skip mortgage insurance
- VA cash-out and Interest Rate Reduction Refinance Loans (IRRRL)
- Jumbo VA purchases above conforming limits
How to get started
Apply online in about 15 minutes or book a call. We'll review your numbers, confirm the right program, and issue a pre-approval you can shop with.
Questions about VA Loans?
Every scenario is different. Get an answer from a licensed loan officer, not a chatbot.
Call (480) 999-9842Book a CallPayment calculatorMore loan programs
Conventional Loans
Flexible terms, competitive rates, and low down payment options for well-qualified buyers.
Learn more →FHA Loans
Government-insured financing with 3.5% down and flexible credit guidelines.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced Arizona homes.
Learn more →FHA 203k Loan
Buy and renovate with one loan. Purchase price plus repairs, one closing.
Learn more →Mortgage Refinance
Lower your rate, shorten your term, or turn equity into cash.
Learn more →Down Payment Assistance
3.5% or 5% of the purchase price toward your down payment and closing costs.
Learn more →All In One Loan
A first-lien HELOC that lets your income pay down principal every day. Run the simulator.
Learn more →Ready to make a move?
Get a straight answer in one call. No pressure, no runaround.