Your Free VA Home Loan Guide

Here's what you'll learn

• The 4 VA loan advantages conventional borrowers don't get — including the one that saves most veterans hundreds per month, and how to find out if you qualify for a full funding fee exemption.
• The complete VA funding fee chart, and who pays zero. Veterans with a service-connected disability rating of 10% or higher are fully exempt — we verify this for every client before running numbers.
• VA eligibility explained, including the Guard and Reserve rules most people get wrong, plus how to get your Certificate of Eligibility in 60 seconds.
• Step-by-step: what actually happens from VA pre-approval to closing day in Arizona, including what VA appraisers look for.
• The IRRRL explained — how to know in 60 seconds if a streamline refinance makes sense for you. No appraisal or income docs in most cases.
• VA Cash-Out vs. HELOC vs. Conventional — a side-by-side comparison of why VA often wins at 90% LTV.
• The 10 VA loan myths costing Arizona veterans time and money, debunked — including common Realtor misconceptions.

Who's behind this guide

Matt Maret | Broker/Owner. I specialize in VA home loans — purchase, IRRRL, and cash-out refinance — for active duty military, veterans, and surviving spouses across Arizona. Most veterans navigating a home purchase or refinance are relying on someone who handles two or three VA loans a year; I do this every day. My goal is to give you the same information I give my clients: no jargon, no sales pitch, just the facts you need to make a smart decision.

Call or text (480) 529-0904 · matt@maretmb.com