A Loan That Serves Those who Served our Country

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What is a VA Loan?

A VA (Veterans Affairs) Loan is a government-backed mortgage specifically for veterans, active-duty military members, and eligible surviving spouses. Mnaged by the Department of Veterans Affairs, this loan offers significant benefits such as no down payment, no private mortgage insurance (PMI), and competitive interest rates.

VA Loans provide various advantages over conventional loans, including more lenient credit requirements and the ability to finance up to 100% of the home’s value. This makes it an excellent option for those who may not have significant savings for a down payment.

Loan Benefits

No Down Payment

Secure a home without needing a down payment, making homeownership more accessible.

No PMI

Avoid private mortgage insurance, reducing your monthly mortgage costs.

Flexible Credit Requirements

Qualify with more lenient credit standards, making it easier for veterans and active-duty members to secure financing.

Eligibility Requirements

Veteran, active-duty service member, or eligible surviving spouse
Certificate of Eligibility (COE) from the Department of Veterans Affairs
Minimum credit score (varies by lender, typically around 620)
Proof of sufficient income and employment
Property must be your primary residence
Debt-to-income ratio within acceptable limits

Start your VA Loans Application

Frequently asked questions

What is a Certificate of Eligibility (COE), and how do I get one?

A COE verifies your eligibility for a VA Loan. You can obtain it through the VA eBenefits portal, your lender, or by mail.

Can I use a VA Loan to refinance my current mortgage?

Yes, VA Loans offer refinance options, including the VA Interest Rate Reduction Refinance Loan (IRRRL) for existing VA loan holders.

Are there any fees associated with VA Loans?

While there is no PMI, there is a one-time funding fee, which can be financed into the loan. The amount varies based on your service category and loan specifics.

Can I use a VA Loan more than once?

Yes, you can use a VA Loan multiple times, provided you meet the eligibility requirements and have enough remaining entitlement.

What types of properties are eligible for VA Loans?

VA Loans can be used to finance single-family homes, multi-family homes (up to 4 units), approved condominiums, and certain manufactured homes.

See what our clients say about us

We are humbled by the kind words of our clients. And we are happy that we were the ones to help turn their mortgage goals into reality.

First-Time Homebuyers' Delight

Suzie and the Truss Financial Group exceeded our expectations in securing our mortgage as first-time homebuyers. Suzie's expertise and guidance made the potentially daunting process incredibly smooth and manageable.

Robert F.

San Tan Valley, AZ, Software Engineer

Great for Bank Statement Loans

I did a bank statement income loan and it chose to not include some deposits. This is just a heads up, not a complaint. Truss is definitely a good company, and I would ABSOLUTELY work with them again. Marcus was honest and helpful throughout the process.

Berj F.

Concord, CA, Business Owner

Personalized Service

"I am more than pleased to work with Delania Tak and would confidently recommend her to anyone seeking reliable assistance in securing a loan. Her commitment to excellence and personalized care make her an exceptional choice."

Howard L.

CA, Real Estate Investor

Cash-Out Refinance Made Easy

Thank you so much to Guillermo Correa and Truss Financial. They made doing my cash-out refinance a piece of cake! The interest rate was much lower than other lenders I checked with. The fees were reasonable, and the timeline was very smooth.

RealEstateLady 1.

Sandy, OR, Real Estate Broker

Exceptional for Self-Employed

After months of struggling with other lenders, Paul at Truss Financial made it easy to complete a cash-out refinance of a new primary residence. As a small business owner and real estate investor, my income situation is complicated but Paul was able to guide me through the process with relative ease.

Baird K.

New York, NY, Small Business Owner and Real Estate Investor

Innovative Solutions for Self-Employed

Garrett Jimenez was super creative and helpful every step of the way. Being self-employed makes getting a loan difficult. But he found ways to overcome each and every hurdle and really hit a home run for us.

Jason M.

Rancho Cucamonga, CA, Self-Employed Individual