VA Loans

VA loans are one of the most powerful benefits available to veterans, active-duty service members, and eligible surviving spouses — and one of the most misunderstood. This is where we break it down in plain English.

VA Loan Overview Eligibility, guidelines, and who it's generally a good fit for. Free VA Home Loan Guide Our full guide to VA loans in Arizona, plus how to get it sent to you. Calculate a VA Purchase Estimate your payment with the VA tab in our Payment calculator. Calculate a VA Refinance Compare an IRRRL or cash-out refinance against your current loan. Talk to a Loan Officer Get your specific questions answered — no obligation.

Learning Center

VA Loan Eligibility: Who Qualifies?

A plain-English rundown of the service requirements behind VA loan eligibility.

Understanding Your Certificate of Eligibility (COE)

What a COE actually shows, and why you probably don't need to request it yourself.

The VA Funding Fee, Explained

Why it exists, what determines the rate, and who's exempt from paying it.

VA Entitlement: Using Your Benefit More Than Once

Yes, you can use a VA loan more than once — here's how entitlement actually works.

VA Loans for Surviving Spouses

Eligibility rules for spouses of service members who died in service or from a service-connected disability.

VA Loan vs. Conventional Loan: What's the Difference?

Side-by-side look at down payment, mortgage insurance, rates, and when each makes sense.

Using a VA Loan to Buy a Multi-Unit Property

You can buy up to a 4-unit property with a VA loan, as long as you live in one unit.

VA Loan Occupancy Requirements

VA loans are for primary residences — here's what that actually requires in practice.

Can You Use a VA Loan for a Fixer-Upper or New Construction?

Yes to both, with some extra steps — here's how VA renovation and construction financing works.

The VA Streamline Refinance (IRRRL), Explained

The fastest, lowest-cost way to refinance an existing VA loan into a lower rate.

VA Cash-Out Refinance, Explained

Refinance into a new VA loan and pull cash from your equity — even if your current loan isn't a VA loan.

VA Loans for Active Duty, Reserves, and National Guard

How eligibility and the process differ depending on your service status.