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VA Home Loans

Denver / Lakewood: VA home loans are one of the best loan programs available in Colorado. They offer $0 down payment, low VA Mortgage Rates, and no monthly mortgage insurance.

Both honorably discharged Veterans and active duty military can qualify for a VA home loan. You can use this benefit to either purchase a home or refinance into a lower rate, or pull cash out.

VA mortgage guidelines are more lenient than other types of loans, making it easier for Veterans to qualify. It’s possible to be approved with a credit score down to 580, and some past credit troubles are OK depending on the circumstance.

Can I qualify for a VA Home Loan if I had a bankruptcy?
Yes! Two years after discharge of a Chapter 7 bankruptcy, you can qualify for a VA home loan.

If I have had collections or late payments on my credit, can I qualify?
Yes! As long as you meet the credit score requirements, you can qualify for VA home loans even if you have had collections or late payments on your credit.

I had a VA foreclosure, can I qualify for a new VA Home Loan?
If you had a VA foreclosure in the past, you may still be able to qualify for a new VA home loan. We will need to review the situation carefully to determine if you qualify, and if the VA foreclosure is still showing on your VA Certificate of Eligibility, then you may have lost a portion of your VA entitlement, but you can still use the remaining entitlement.

What is a VA Certificate of Eligibility and how do I get it?
Your VA Certificate of Eligibility (COE) is a key document that lenders obtain to verify your VA Home Loan benefit. The COE will show if you have any VA loans still outstanding and how much entitlement or eligibility you have available. It will also show if you have had any VA home loans default in the past. One more key piece of information on the COE is if you are exempt from the VA funding fee. Typically, if you have a service related disability, you are exempt from the VA funding fee.

Can I have more than one VA Home Loan?
Yes! If you already have a VA Home Loan, it is possible to obtain a second one. We will have to look at your situation and remaining entitlement to determine if you can qualify.

How much is the VA Funding Fee?
The VA funding fee varies according to what type of VA Home Loan you are obtaining, if you have used your VA benefits before or if this is your first use, how much down payment you have, and if you were active duty or a reservist. We can help you to determine how much your VA Funding Fee will be.

What is a VA IRRRL Refinance?
The VA IRRRL Refinance is a fast and easy way to reduce your VA home loan rate and payment. There is no appraisal or income documentation required for this type of loan, and the VA funding fee is only .5% of your loan amount. It’s also possible to skip up to two payments with a VA IRRRL refinance!

Can I do a VA Cash Out Refinance?
Yes, you can pull cash out with a VA Home Loan to pay off debt, remodel your home, or for any other reason. You will be limited to 90% of your home’s value for the new loan.

How do I get started?
We can help you get started to see what you qualify for, or can provide an accurate VA rate quote. Just fill out our quick application form so we can get some basic information that will help us to get you the right estimate and help. It doesn’t cost a penny to call and we are here to answer your questions!

Get in Touch

5351 Verbena Street,

Denver, CO 80238


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