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VA LOANS

Home Financing Exclusively for Veterans & Active Duty Service Members

A VA Loan is a government-backed mortgage designed specifically for veterans, active-duty service members, and eligible military spouses. With zero down payment requirements, no private mortgage insurance (PMI), and competitive interest rates, VA loans make homeownership more accessible for those who have served our country.

READY TO BEGIN YOUR LOAN APPLICATION?

WHY CHOOSE A VA LOAN?

  • Zero Down Payment – Buy a home with no money down

  • No Private Mortgage Insurance (PMI) – Lower monthly costs

  • Competitive Interest Rates – Exclusive rates for veterans

  • Flexible Credit Requirements – Easier approval than conventional loans

  • Refinancing Options – Lower payments or access home equity

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VA LOAN QUALIFICATIONS

  • Active-duty military, veterans, or eligible spouses

  • No minimum credit score required (lender guidelines may apply)

  • No down payment required in most cases

  • Certificate of Eligibility (COE) from the VA

  • Stable income & ability to repay

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STEP-BY-STEP VA LOAN PROCESS

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1. Apply in Minutes

Simple online application

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2. Get Your Certificate of Eligibility (COE)

We’ll help you obtain it

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3. Get Pre-Approved

Know your budget before house hunting

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4. Choose Your VA Loan

Fixed or adjustable rates available

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5. Close & Move In

Hassle-free home financing from start to finish

ADVANTAGES OF AN VA LOAN

100% Financing – No down payment required

Assumable Loans – Can be transferred to another eligible buyer

No PMI Required – Unlike FHA & conventional loans

Cash-Out Refinance Available – Tap into your home’s equity

Lower Interest Rates – Competitive rates for military members

Easier Qualification – Higher debt-to-income (DTI) ratios allowed

Flexible Credit Requirements – Easier qualification process

VA LOAN VS. CONVENTIONAL LOAN- WHICH IS RIGHT FOR YOU?

FEATURE

VA LOAN

CONVENTIONAL
LOAN

DOWN PAYMENT

0%

3% – 20%

CREDIT SCORE

No set minimum (580+ recommended)

620+

MORTGAGE INSURANCE

Not required

Required if <20% down

DEBT-TO-INCOME RATIO

HIGHER ALLOWED

LOWER PREFERED

Why Choose Us for Your VA Loan?

At Trust Lending, we take pride in serving those who served our country. Our team specializes in VA home loans, ensuring a smooth, hassle-free home financing experience for veterans and active-duty military members.

  • Personalized Loan Solutions – We customize every VA loan to match your needs.

  • Expert Guidance – VA loan specialists walk you through the process.

  • Fast & Smooth Approvals – Hassle-free application & quick closing.

  • Technology-Driven Service – Secure, digital-first experience.

  • Strict Compliance & Integrity – We follow all VA loan guidelines.

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At Trust Lending, we believe buying or refinancing a home is a matter of trust—and we’re here to earn yours. With over 15 years of experience, we’ve helped countless homebuyers and homeowners secure affordable, flexible mortgage solutions tailored to their needs.

  • Personalized Loan Solutions – We customize every loan to match your financial goals.

  • Expert Guidance – Our experienced team walks you through every step of the process.

  • Fast & Smooth Approvals – We streamline the process to get you approved quickly.

  • Technology-Driven Service – We invest in the latest tools to make your experience hassle-free.

  • Strict Compliance & Integrity – We follow all industry best practices, ensuring transparency and trust.

APPLY NOW

LEARN MORE ABOUT VA LOANS

What Is an VA Loan?

A VA Loan is a government-backed mortgage program created by the U.S. Department of Veterans Affairs (VA) to help military service members, veterans, and eligible spouses buy a home with no down payment and favorable loan terms. The VA guarantees a portion of the loan, making it easier for lenders to offer low-interest rates and flexible credit requirements.

A Brief History of VA Loans.

The VA home loan program was established in 1944 as part of the G.I. Bill, providing affordable home financing options for returning World War II veterans. Since its creation, the program has helped millions of veterans and active-duty service members achieve homeownership.

Types of VA Loans

  • VA Purchase Loan – Buy a home with no down payment and no PMI

  • VA Interest Rate Reduction Refinance Loan (IRRRL) – Lower your interest rate

  • VA Cash-Out Refinance – Access your home’s equity for cash needs

  • VA Jumbo Loan – Finance higher-cost homes with VA benefits

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