VA HOME LOANS · LOW DOWN PAYMENT OPTIONS · NO MORTGAGE INSURANCE
The VA home loan is one of the strongest benefits you earned, low down payment options, no monthly mortgage insurance, and competitive rates. Let's put it to work.
I'm Brighton Truax, a broker, not a banker. That means I shop your VA loan across 150+ wholesale lenders to find the sharpest rate and terms for you, instead of selling you one bank's product. Veterans deserve someone in their corner. Here's what your benefit can do.
No other loan program stacks up benefits like this one. It exists for one reason, to thank you for your service.
Eligible buyers with full entitlement can finance 100% of the purchase price, no down payment required to get into a home.
Conventional buyers under 20% down pay private mortgage insurance every month. VA loans never require it. That's real money back in your pocket.
Because the loan is backed by the VA, lenders take on less risk, which can mean competitive interest rates.
This isn't one-and-done. As long as you're eligible, your VA entitlement can be restored and used again on future homes.
Pay extra, pay it off early, or refinance whenever it makes sense. There's never a penalty for getting ahead on your loan.
The VA funding fee can be rolled into the loan, and veterans with a service-connected disability are typically exempt from it entirely.
If you've served, there's a good chance you qualify. Eligibility generally extends to:
Those who've served and meet the minimum active-duty service requirements for their era of service.
Currently serving members who've met the required length of continuous service.
Guard and Reserve members who meet the service criteria can also be eligible for the benefit.
Certain surviving spouses of veterans may qualify to use the VA home loan benefit.
Not sure where you stand? I'll help you pull your Certificate of Eligibility (COE). No guesswork.
Whether you're buying, lowering your payment, or tapping equity, there's a VA path for it.
Buy your next home with low down payment options and no monthly mortgage insurance. The cornerstone of the VA benefit and the most popular way to use it.
Already have a VA loan? The Interest Rate Reduction Refinance Loan is built to lower your rate and payment with minimal paperwork and no full appraisal in many cases.
Turn your home's equity into cash for renovations, debt payoff, or whatever life calls for, and you can refinance from a non-VA loan into a VA loan, too.
Eligibility, the funding fee, how much you might qualify for. Reach out and I'll give you a straight answer, no pressure.
Start your application in minutes, or reach out and we'll walk through it together. Clients are friends here. There's no pressure, just answers.
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Take the first step toward financing that works for you.