VA Home Loans: $0 Down Payment & Lowest Rates NEXA Mortgage Lending

The Home Loan You've Earned: Secure Your Future with a VA Loan

Proudly serving those who served us. Discover the powerful, low-cost path to homeownership for Veterans, Active Duty Service Members, and eligible Spouses.

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Why Choose a VA Home Loan? (Your Hard-Earned Benefits)

The VA Loan is one of the most powerful military benefits, guaranteed by the Department of Veterans Affairs (VA) to help you realize the dream of homeownership.

Key Benefit	How It Helps You
0% Down Payment	In most cases, you can finance 100% of the home's value, saving you years of saving for a down payment.
No Private Mortgage Insurance (PMI)	Unlike conventional loans with less than 20% down, VA loans never require monthly PMI, saving you hundreds of dollars every month.
Competitive Interest Rates	Due to the VA guarantee, lenders often offer lower interest rates than conventional or FHA loans.
Flexible Credit Guidelines	VA guidelines are generally more relaxed than traditional loans, making it easier to qualify.
Limit on Closing Costs	The VA restricts the amount and type of closing costs you can be charged.
Lifetime Benefit	You can use your VA home loan benefit more than once.

Who is Eligible for a VA Loan?

The benefit is an honor, not a privilege. You may be eligible if you meet certain service requirements and obtain a Certificate of Eligibility (COE).

Common Eligibility Groups Include:

Veterans
Active Duty Service Members (After 90 continuous days of service)
National Guard/Reserve Members (After 6 years of service or certain periods of active duty)
Certain Surviving Spouses (Who have not remarried, or remarried after a certain age/date)

Don't know if you qualify? We can help you check your service records and get your COE quickly!
(Button: "Instantly Check My VA Loan Eligibility")

The Simple 5-Step VA Loan Process

We specialize in making the process as smooth and efficient as your service.

Get Pre-Approved & Your COE: We help you quickly confirm your eligibility and determine your buying power by obtaining your Certificate of Eligibility (COE) and providing a Pre-Approval letter. (This is crucial for making a competitive offer!)
Find Your Home: Work with a trusted real estate agent to find a home that meets the VA's Minimum Property Requirements (MPRs).
Offer Accepted & Appraisal: Your offer is accepted! A VA-approved appraiser will assess the home's value and confirm it meets property standards.
Underwriting: Our team verifies your income, credit, and debt-to-income (DTI) ratio to ensure the loan is finalized.
Close & Get the Keys: Sign the final documents and receive the keys to your new home. Congratulations, you're a homeowner!

Not Buying? Explore VA Refinance Options

We can also help you use your benefit to save money on your existing home loan.

VA Streamline Refinance (IRRRL): Easily and quickly lower your interest rate and monthly payment on your current VA loan. Often requires no appraisal or income verification.
VA Cash-Out Refinance: Tap into your home's equity to pay off debt, fund education, or make home improvements. This can be used to refinance a non-VA loan into a VA-backed loan.

Ready to start your journey home?

Our VA Loan Specialists are standing by to guide you through every step, ensuring you maximize your hard-earned benefits.

Schedule a Quick Call to Talk to a VA Loan Specialist

512-415-6142

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