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Updated For 2024: A Quick Overview Of VA Home Loan Programs For U.S. Veterans In All 50 States.

*Ask How To Get Up to $50,000 Extra Before Or After Closing on All Loan Programs

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Offering A Full Selection Of VA Loan Programs

Some of the most attractive loan programs are backed by the Veterans Administration.

Our mission is to help you understand the suitable loan options that make the most sense and impact your financial goals. When you work with our bank, we assign a Sr. VA Banker who will never leave your side. We believe in providing a direct relationship that keeps you informed, clear, and confident from start to finish.

Whether you’re looking to purchase your first home, upgrade your existing home, build a new custom home, or even do an extensive renovation using a VA loan, we have you covered. We’ll answer any questions and create a custom solution based on your needs. 


These are just a few highlights of what we can offer Our Veterans!

  • Up to $3+ Million Loan Amounts Or More To Build, Buy, Refinance, or Renovate.

  • Well-qualified borrowers Can Access Up To *$50,000.00 Extra Before Or After Closing, Available Only With Our Bank Added To Any Of Our Loan Programs.

  • Full Suite of Construction Loans Up To 100%

  • Full Suite of Purchase & Renovation Loans Up To 100%

    • Buy A Pre-Existing Home That is Ready To Move In.

    • Buy A New Home and Custom Renovate At The Same Time.

    • Extensive Renovation Projects Up To $2,000,000.00 In Rehab Work Under Our Portfolio Programs.

    • Hero Loans, Down Payment Assistance, Nurse Loans, Veterinarian Loans, Bank Statement Loans, ITIN, Foreign National Loans, Investor Loans, 2nd Home Loans, Multi-Family, and more.

  • Full Suite of Refinance Loans

    • Cash-Out Refinance: take funds out of your equity to use as you wish.

    • Debt Consolidation, reduce higher rate cards and loans and stop revolving compounding debt cycles.

    • Streamline Rate Reduction: reduce your rate, term, or both without requesting cash back.

    • Renovations on primary, 2nd, and investment property through VA, Portfolio options, and More.

  • Property Styles such as Standard Brick/Frame, Manufactured Double or Triple-Wide, Modular Homes, Log-Cabin, Eligible Kit Homes, Barndominium, SIP Panel Construction, ICF (Insulated Concrete Foam), Foam Style Homes, Condos, Townhomes, Single Family, Multi-Family Properties.



100% Purchase & Construction Loans, Zero Down, NO PMI, Single Family, Owner-Occupied Multi-Family, Manufactured, Modular, Barndominium Homes, Up To $3+ Million!

The Veterans Administration Loans are truly attractive purchase programs for our United States Veterans. If you’ve thought of buying or building a home instead of renting, you should take advantage of these market conditions, even as rates have been rising.

If homeownership is your goal, we want to help you through the process.

We specialize in 100% financing and creative solutions for many home styles and program requests. From construction to renovation for condos, single-family, owner-occupied multi-family, manufactured, modular, and many more. The VA loan has an advantage over other products with no monthly mortgage insurance and taxes, and insurance escrowed into one outstanding fixed-rate payment.

Our full suite of VA Loans allows for requests like more significant acreage, super jumbo programs, VA Renovation loans, and unique property types like manufactured, barndominium, SIP, ICF, and log cabins; we get creative to help you. You may use renovation loans simultaneously as your new home purchase to finance the updates you need and not push a remodel back years into the future.

When eligible borrowers pair the VA Purchase, Construction, or Renovation loan with up to *$50,000.00 extra before or after closing with our add-on personal loan, you can furnish the home, update it, start a business, pay off debt, virtually anything.

Clear communication with you and those supporting you in this transaction or helping you locate a realtor, builder, contractor, or industry professional comes with the territory and is never an inconvenience. We excel at excellent customer relationships and have a dedicated team working together for over 25 years at your service focused on your goal.

Owning your own home has never been more attainable than right now. We specialize in helping borrowers with less-than-perfect credit and other out-of-the-box scenarios. We additionally offer VA One-Time and Two-Time Close Construction, VA Jumbo Loans up to $3+ Million, and VA Renovation up to 100%; many other banks do not offer this wide variety.


Cash-Out, Debt Consolidation, Renovation, & VA IRRRL (Rate Reduction) Refinance for Most Property Styles, Including Double & Triple-Wide Manufactured & Modular Homes.

As a dedicated VA Manufactured Home Lender, lending in all 50 states, we can finance a full suite of refinance programs through the VA option with no mortgage insurance on double and triple-wide & modular properties, such as cash-out, debt consolidation, and rate-and-term refinance down to a 640 score. Some cases, like streamline (VAIRRL) refinances, can qualify with no score. This makes us a strong and confident lender for manufactured homes.

The VA allows up to 100% to consolidate high-interest credit cards and installment loans, or you can take the cash out for whatever purpose. Manufactured loans do not go up to the total 100% loan-to-value limit currently with our bank. Veterans can save hundreds of dollars a month by smartly consolidating debt against their homes’ equity. We genuinely want to speak to you about your needs.


The VA Streamline Refinance offered by the Veterans Administration is a reasonably easy and effective loan a Veteran can participate in. No Cash-Out is allowed. However, it is designed to lower your rate quickly from existing VA loans with higher interest rates. In some instances, by reducing your rate by .500% or more, you can save tens of thousands of dollars or more in interest over the life of your loan.

There are multiple benefits to this program, yet not all lenders can participate in this program. A key indicator in knowing if you have access to a true VA Streamline is based upon the limited documentation required. We specialize in streamlined refinance programs that can close in as little as three weeks or less.

We also offer a few excellent features like:

  • Getting your current escrow back in cash from your current lender. New escrows will be set up for your new loan.

  • No appraisal, no income verification, and very little paperwork.

  • Lower credit scores may not be a problem if you have had no late payments on your current VA loan in the last 12 months.

When viewing refinance programs, the VA IRRL is one of the best options for homeowners who already have a VA Loan and want to reduce their monthly mortgage rate.

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VA Nationwide is a Top Rated National VA Mortgage Lender in all 50 States.

Richie, OK... so you've officially done something I've never seen in 22+ years selling real estate. Closed a VA Loan on 224 Acres, with a Manufactured Home. CONGRATULATIONS! and THANK YOU!!! Admittedly, I was skeptical (more like pessimistic) when James told me you were going to get this VA Loan completed. And I had many doubts along the way, because I'd seen so many VA Lenders fall flat on their faces, just before the Closing. BUT... You got the Job DONE! Occasionally, I find someone out there who has done an Outstanding Job, helping my Clients... and You are one of these! I'm now officially a FAN of You and Your Work. I would be honored to promote you and your services to other Agents within our company, and I intend to do so. I will call you when I've caught up on my work a bit... and learn more about how I can do my job better on the next VA transaction. ~Tom K. Realtor

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How Much Do You Qualify For? We’ll Find Your Max Amount!

We Work Hard To Obtain Your Dream Loan, For Your Dream Home! 

We have over 25 years of working as a team helping current and future homeowners find the most competitive fixed-rate VA mortgage loans while navigating challenging economic instability. We promise never to spam you, sell your information, bombard you with robocalls, or provide anything but a clear, transparent conversation from start to close! It all begins here!

TOUGH LOANS DON'T SCARE US

VA One-Time & Two-Time Close Construction, VA Renovation, Cash Out, Jumbo, Rate Reduction, & VA Manufactured Home Loans In All 50 States

Aside from VA Home Loans, we offer so many options. From Construction To Bridge Loans, Down Payment Assistance Programs, Doctor Loans, Veterinarian Loans, Nurse Practitioner Loans, First Responder Loans, Foreign National, ITIN, and Extensive Renovation Projects, even Manufactured Homes, each loan is as unique as the home! Treating our customers with extreme care and attention to detail, we can’t wait to serve you. We’re solution-oriented, efficiency-motivated, and highly skilled bankers working for you; let us help you today!