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Veterans Mortgage Solutions
VA Benefits

Use Your VA Benefits the Right Way (Purchase or Refinance)

This page is built for veterans and active-duty buyers who want clear answers. Fill out the form to get your VA benefit review, next steps, and a simple checklist—fast.

Key VA Home Loan Benefits

  • $0 down available for many eligible purchases
  • No monthly PMI on VA loans
  • Flexible credit guidelines compared to many programs
  • Competitive rates depending on market + your profile
  • Reusable benefit (many veterans can use VA more than once)
Funding Fee Exemption: If you have a disability rating of 10% or more, you may be exempt from the VA funding fee.

VA Benefits + Low Credit

  • VA underwriting looks at the full picture (income, debts, residual income, housing history)
  • Even with late payments or a rebuild, you may still have a path
  • We’ll tell you exactly what to fix to get approved faster

Quick FAQ (Credit-Friendly)

Will filling out this form hurt my credit?
No. Submitting this form does not pull credit. If you choose to move forward, we’ll explain the credit step first.
Do I need “perfect credit” for a VA loan?
No. Many VA approvals are based on the total profile, not just the score. We review income, debts, and residual income.
Can I use my VA benefits more than once?
Often, yes. Eligibility can depend on entitlement used, payoff, and remaining entitlement. We’ll confirm it for you.
How fast do you follow up?
Usually same day during business hours. For quick help, call or text 949.601.1267.
Finish your VA benefits review
Most people complete this in ~2–3 minutes.