VA Loans in Arizona. Done Right.
One of the strongest deals in lending: $0 down, no PMI, competitive rates. Earned by your service. We shop 50+ wholesale lenders that fund VA loans to find the one that fits your scenario.
- $0 down for eligible vets
- No PMI ever
- Funding fee waived for disabled vets
Why VA Loans Are Often the Best Choice
Eligible service members and veterans should run the VA option first. The math beats almost everything else for primary-residence financing.
- $0 down payment required
- No private mortgage insurance (PMI), ever
- No prepayment penalties
- Competitive interest rates, often below conventional
- Funding fee waived for disabled veterans
- Re-usable benefit: you can use it more than once
The VA loan program was created in 1944 as part of the GI Bill. The mechanics: the VA guarantees a portion of the loan to the lender, which lets the lender extend better terms (no down payment, no monthly mortgage insurance) than conventional underwriting would allow. The result is one of the most powerful homeownership tools in the country.
VA Loan Eligibility
The VA issues a Certificate of Eligibility (COE) confirming your status. We can pull it for you electronically in most cases.
- Veterans with qualifying length of service (typically 90+ days active duty during wartime, 181+ days peacetime)
- Active-duty service members with 90+ days of continuous service
- National Guard and Reserve members with 6+ years of service (or 90 days active under Title 32)
- Surviving spouses of veterans who died in service or from a service-connected disability
- Certain U.S. citizens who served in the armed forces of allied nations during WWII
VA IRRRL: Streamline Refinance
If you already have a VA loan, the IRRRL (Interest Rate Reduction Refinance Loan) is the fastest, cheapest way to refinance, often with no appraisal and no income re-verification.
- No appraisal in qualifying cases
- No income re-verification typically
- Lower closing costs than a full refi
- Faster, sometimes 21-28 day close
- Funding fee is reduced to 0.5%
The IRRRL is best when rates have dropped enough to recoup the closing costs within your remaining time in the home. We'll run the breakeven and tell you whether it's worth doing. Not every rate drop justifies a refi, even a streamline one.
Frequently Asked Questions
Who qualifies for a VA home loan in Arizona?
VA loans are available to active-duty service members, veterans with qualifying service, certain National Guard and Reserve members, and surviving spouses of veterans who died in service or from a service-connected disability. Eligibility is documented via a Certificate of Eligibility (COE). We can pull it for you in most cases within minutes through the VA's WebLGY portal.
How much is the VA funding fee?
First-use VA purchase loans charge a 2.15% funding fee (regular military) or 2.4% (Guard/Reserve), rolled into the loan. Subsequent uses are higher (3.3%). The fee is waived for veterans with a service-connected disability rating from the VA. Down payments of 5%+ reduce the fee further. We calculate the exact fee for your scenario before you commit.
Do VA loans have a minimum credit score requirement?
The VA itself does not set a minimum credit score. Most lenders that fund VA loans set their own overlays, typically 580 or 620 minimum. Because we shop 50+ lenders, we find the ones that match your actual score, even when scores are lower. Strong residual income and clean recent credit can offset older issues.
What's a VA IRRRL refinance?
An Interest Rate Reduction Refinance Loan (IRRRL), sometimes called a VA Streamline, is a fast refinance for existing VA loans. It typically requires no appraisal, no income re-verification, and a minimal credit check. It's used to lower your rate or convert from an ARM to a fixed loan. Faster and cheaper than a full refi when the math works.
Get Personalized Mortgage Guidance, Straight from a 30-Year Expert
Skip the guesswork. In a free 15-minute planning session, Christopher will walk you through your real options, help you understand what you actually qualify for, and build a strategy around your specific goals, before you ever fill out a loan application.
- Certified Mortgage Advisor
- Over 30 years of mortgage experience
- Well over 1,000 first time buyers helped
- Preferred rates and programs for veterans, teachers and first responders
Schedule Your Free 15-Minute Session
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