Exclusive mortgage benefits for veterans, active-duty service members, and eligible surviving spouses. Zero down payment and no PMI required.
VA loans are a benefit earned through military service. The Department of Veterans Affairs guarantees a portion of these loans, allowing lenders to offer exceptional terms that aren't available with other loan types.
The VA loan program offers unmatched benefits: no down payment requirement, no private mortgage insurance (PMI), competitive interest rates, and limited closing costs. These advantages can save you tens of thousands of dollars over the life of your loan.
VA loans are available to veterans who served at least 90 consecutive days of active service during wartime, 181 days during peacetime, or 6 years in the Reserves or National Guard. Surviving spouses of veterans who died in service or from a service-related disability may also qualify.
Getting started with your VA Loan loan is simple. Follow these steps to begin your homeownership journey.
Complete our quick online form to see your estimated loan amount and rates - no impact on your credit score.
Provide proof of income, employment verification, bank statements, and identification for full pre-approval.
Receive your official pre-approval letter showing sellers you're a serious, qualified buyer.
Shop with confidence knowing exactly what you can afford. We'll be here when you find the perfect home.
Complete the final steps, sign your documents, and get the keys to your new home!
A Certificate of Eligibility (COE) is a document from the VA that proves your eligibility for a VA loan. We can help you obtain your COE quickly through the VA's automated system.
For most borrowers with full entitlement, there is no loan limit. However, county-specific limits may apply if you have remaining entitlement from a previous VA loan.
Yes! VA loan benefits can be used multiple times. You can restore your entitlement by paying off your previous VA loan or have remaining entitlement for another purchase.
The VA funding fee is a one-time fee that helps fund the program. It ranges from 1.25% to 3.3% depending on your down payment and whether it's your first VA loan. Some veterans are exempt from this fee.
Real experiences from homeowners who chose VA Loan loans
"Alfredo and his team made our first home purchase so easy! As first-time buyers, we had so many questions, and they patiently walked us through every step. We closed in 3 weeks!"
"As a veteran, I was thrilled to work with someone who understood the VA loan process. The team made everything smooth and stress-free. Highly recommend!"
"Professional, knowledgeable, and genuinely caring. The Madrid Mortgage Team got us an amazing rate and closed faster than we expected. Thank you!"
"We were nervous about the refinance process, but Alfredo explained everything clearly and got us a rate that saves us $400/month. Amazing service!"
Take the first step toward your dream home. Our simple pre-qualification process takes just minutes.
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