VA loans are a government-backed mortgage option designed to make homeownership more accessible for Veterans and their families.
Why Choose VA Loans?
VA loans are a powerful home financing benefit offered to Veterans, active-duty service members, and eligible surviving spouses. Backed by the Department of Veterans Affairs, these loans make homeownership more accessible by eliminating the need for a down payment and private mortgage insurance. Whether you’re purchasing your first home or refinancing an existing mortgage, VA loans are tailored to support those who’ve served our nation.
Key Features and Benefits
One of the standout benefits of VA loans is the $0 down payment requirement, allowing you to buy a home without the financial burden of saving for a substantial upfront cost. Additionally, these loans offer competitive interest rates and flexible credit guidelines, making them accessible to borrowers who may not qualify for traditional financing. By removing private mortgage insurance (PMI) and limiting closing costs, VA loans help Veterans and service members save thousands over the life of the loan.
How We Support Your Journey
At Cascade Home Loans, we simplify the VA loan process from start to finish. Our team ensures you meet eligibility requirements, assists in securing your Certificate of Eligibility (COE), and guides you through every step of the application process. With personalized support and a deep understanding of the unique needs of Veterans, we’re committed to helping you achieve your dream of homeownership with confidence and ease.
Apply for your loan without worrying about upfront application costs, so you can focus on finding the right home and financing solution.
You may qualify if you are a Veteran, active-duty service member, or eligible surviving spouse and meet the VA’s service requirements.
VA loans require no down payment for qualified borrowers.
Yes, lenders typically require a minimum credit score (usually around 620) and evaluate your debt-to-income ratio to ensure affordability.
A COE verifies your eligibility for a VA loan. You can obtain it through a VA-approved lender, the VA’s eBenefits portal, or by mail using VA Form 26-1880.
Yes, VA loans are a lifetime benefit. You can reuse them, even after selling your current home, as long as you meet eligibility requirements.
VA loans offer significant advantages, including no down payment, no PMI, lower interest rates, and more forgiving credit guidelines compared to conventional and FHA loans.
Don’t just take our word for it
Matt is a pleasure to work with. He helped me through every part of the home buying process answering any and all of my questions along the way. He is hard working, timely, and easy to understand. I would recommend him!
Andrew was a dream to work with. I had a complicated situation and he was there to help me throughout the whole process. He was extremely helpful with all of the difficult situations that came his way. I would not hesitate to recommend him to anyone.
We closed on the house in less than 28 days and this was the first time we ever applied for a loan( FHA). Working with Andrew was literally a breeze. He was very responsive and connected us with anyone we may need during the entire loan process. He was honest, thoughtful, and helpful each step of the way and made the entire process so smooth. Can’t recommend him enough!
Trying to buy a house in a red-hot market is a challenge; having Andrew on the finance side made everything so much easier. We made offers on several properties and every time Andrew was able to provide an approval letter immediately. When we finally had an offer accepted, he made the process clear and simple, and most importantly FAST. We would definitely recommend Andrew to anyone looking for financing.
Andrew stayed on top of everything and made the process very easy, under 2 weeks from submission to clear to close. I would absolutely recommend him to anyone in the future.
From the first contact “let me pull over I am driving and I will have a quote for you”: which only took about 25 mins max to today, the day of closing it has been little more than 31/2 weeks and it is all because of Andrew’s undivided attention, availability and determination. A pleasure to work with highly recommended!
It was a pleasure working with Andrew in both shopping for a mortgage and then completing the mortgage application and closing process. He was professional and very easy to work with…open to talk at any time and answer any questions…right up to the closing. He was even present at the closing to again field any questions and ensure the closing went as expected. I highly recommend Andrew to anyone looking for financing solutions.
My wife and I had a difficult situation between buying and selling homes with different agents and being long distance. I found Andrew multiple times going above and beyond what he should be doing. Recognizing that buying/selling house waits for no one makes it difficult when you are at work, Andrew would ALWAYS pick up the slack on our end as well as give me much needed reminders. In addition, I found it refreshing to get honest answers from Andrew, rather than hearing what you “want” to hear. All in all, Andrew is great at his job and a really great person, that always has your interest in mind, and will do the right thing. He makes one of the more stressful life events, a little bit less stressful.
Andrew was very responsive and went out of his way to make sure we always had all of our questions answered. He worked with us to make sure that we could afford our home and get into it quickly, before we even found one to put an offer in. Even after closing, he continued to answer our questions and give us advice.
Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.
