VA Home Loans

You have served your country! Now let the mortgage world serve you. Ray is a veteran of the Navy, so thanks from us to you!

VA home loans (available to qualified veterans, surviving spouses) in Denver allow you to buy a home without a down payment. You can buy 1-4 unit homes, and approved condos with a VA mortgage. The VA does not impose a maximum loan amount. Meaning lenders can lend above the effective loan limits, but the Veteran may be required to make a down payment. For more information on loans above the effective loan limit, please call to discuss (303)779-0591.

A Certificate of Eligibility from the VA must be presented to the lender to qualify for the loan.

Other benefits of a VA loan include

  • Lower interest rates than conventional mortgages.
  • Fixed or adjustable rate terms
  • Closing costs are sometimes lower than other financing types.
  • No private mortgage insurance (PMI) requirement.
  • No Pre-payment penalties
  • Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.
  • 620 Minimum FICO score (Exceptions for NO FICO score)
  • Waiver of funding fee should the Veteran qualify with sufficient service related disability