This page is for you if…
- You’re a veteran, active-duty service member, or member of the National Guard or Reserves.
- You’re the surviving spouse of a service member and may be eligible.
- You’ve used your VA benefit before and want to know if you can use it again.
- You’re PCSing and need to buy on a tight timeline.
- You already have a VA loan and want to lower your rate.
VA loan options
The VA home loan is one of the strongest mortgage benefits available. Todd will help you confirm eligibility and choose the right path.
VA purchase loan
Buy a primary residence with one of the most flexible loans available.
- $0 down for eligible borrowers
- No monthly mortgage insurance
- Competitive rates and flexible credit guidelines
VA IRRRL (streamline refinance)
A simplified refinance to lower your rate on an existing VA loan.
- Typically less paperwork
- Often no appraisal required
- Must provide a net benefit to you
VA cash-out refinance
Refinance into a VA loan and take cash out for projects, debt payoff or other goals.
- Available to eligible veterans
- Can also refinance a non-VA loan into VA
- Subject to VA and lender guidelines
Your path to the keys
- 1Free 15-minute callTalk through your goals, timeline and how you’d like to use your benefit.
- 2Confirm eligibilityTodd helps you get your Certificate of Eligibility (COE), often in minutes.
- 3Get pre-approvedShop with confidence knowing your budget and payment.
- 4VA appraisal & underwritingTodd explains the VA appraisal and keeps the file moving.
- 5Close & move inUpdates at every step, including for PCS timelines.
What you’ll want to have handy
- DD-214 (veterans) or a statement of service (active duty)
- Photo ID
- Recent pay stubs or LES
- Two months of bank statements
- W-2s or tax returns for the last two years
Don’t have everything yet? That’s okay. Todd will tell you exactly what’s needed for your situation.
Military service runs deep in my family. My grandfather served in the Army during World War II, and my father-in-law served in the Navy during Vietnam. Helping veterans and military families use the benefit they earned is personal to me, and I’ll make sure you understand every option, from your first call to the day you get the keys.
Good questions we hear a lot
Is there really no down payment?
For eligible borrowers with full entitlement, VA loans can be $0 down. Your entitlement and the loan amount determine the details.
Is there a VA funding fee?
Most VA loans include a one-time funding fee, which can usually be financed. Veterans receiving VA disability compensation are generally exempt.
Can I use my VA benefit more than once?
Yes. Entitlement can often be restored after a VA loan is paid off, and some veterans can have more than one VA loan at a time.
Can surviving spouses qualify?
Some surviving spouses are eligible. Todd can help you check your specific situation.
What credit score do I need?
The VA doesn’t set a minimum, but lenders do. Many start around 580–620. Todd can review your credit for free.
“Always able to help, always on top of things, and always friendly.”
Let’s put your benefit to work.
In a quick call, Todd can confirm your eligibility, explain your entitlement and map out your next steps.