Mortgage guidance · Seth Lester
VA home loans
Discuss your VA home loan eligibility, purchase plans, closing costs and the documentation needed to review your options.
Prefer to talk first? Call or text 480-335-9828.
Seth Lester · Branch Manager & Loan Officer · NMLS #390622
VA-backed purchase loan
VA loans
Eligible veterans, service members, and some surviving spouses may use a VA-backed purchase loan. A down payment may not be required, although closing costs still matter. VA loans do not require monthly mortgage insurance, but a one-time funding fee may apply unless the borrower is exempt.
Eligibility and entitlement, property details, lender approval, and the final terms all need review. Ask how the funding fee, any down payment, and the rest of the closing costs compare in your case.
Where should I start?
Start with your Certificate of Eligibility and your homebuying goals. We also need to review your income, credit, existing obligations and the property.
Does no down payment mean no cash to close?
Closing costs and prepaid items can still apply. Review your funding fee status, any available credits and the actual cash-to-close estimate before deciding how much money to set aside.
Keep exploring
Official VA program information
Compare purchase loan options · Prequalification vs. preapproval · All loan programs
Let’s talk through your situation.
Tell me where the property is, your timeline and what you want the mortgage to accomplish. We can discuss the options and the information needed for a full review.
Prefer to talk first? Call or text 480-335-9828.
Program availability and eligibility vary by borrower, property and lender. This is not a commitment to lend. All loans are subject to credit approval. Terms and conditions apply.