Suburban home with a green front lawn

VA Home Loans

Use the Benefit You Earned.

Understand how VA-backed financing generally works, what to prepare, and how to work with lenders who serve veterans well.

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The Basics

A Clearer Path to Homeownership.

VA loans are backed by the U.S. Department of Veterans Affairs and offered through approved lenders. Juan is not a mortgage lender; he helps you understand the process and coordinates with your loan team.

Certificate of Eligibility Your lender uses your COE to confirm VA eligibility. It can usually be requested online or through your lender.
Funding Fee Many VA loans include a funding fee. Some borrowers are exempt; your lender confirms what applies to you.
VA Appraisal The VA appraisal reviews value and condition. It is part of the process, not a guarantee of value or approval.
Reusing Your Benefit Eligible borrowers may be able to reuse VA entitlement. Entitlement and terms depend on your situation and lender review.
  1. 01Get pre-approvedTalk with an approved lender and confirm what you qualify for.
  2. 02Make an offerJuan helps you structure an offer that fits the home and your timeline.
  3. 03Complete the VA appraisalThe lender orders the appraisal and keeps you informed.
  4. 04Close and move inReview closing costs and your loan terms before you sign.
Talk Through Your VA Options Eligibility, funding fees, and loan terms depend on your individual circumstances and lender review. Juan can help you ask the right questions.
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Juan Zamarripa is a licensed real estate agent, not a mortgage lender, and does not guarantee approval, rates, or financing outcomes.