Valor Mortgage Group
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VA Loan Programs

Three loans.
One promise: honor & speed.

The VA Home Loan is the strongest mortgage product in America — if you know how to use it. Here's how each program works, what you qualify for, and what to expect.

VA Purchase Loan

Zero down. Zero PMI. All benefit.

Buy your primary residence with 100% financing, competitive VA rates, and no private mortgage insurance — ever.

Eligibility

  • 90+ days of active-duty wartime service (or 181 days peacetime)
  • 6+ years in Reserves or National Guard (or 90 days active call-up)
  • Surviving spouses of service members who died in the line of duty
  • Certificate of Eligibility (COE) — I pull it for you in minutes
  • Sufficient income and credit (no set VA minimum — most lenders 580–620)
  • Home must be your primary residence within 60 days of closing

The Process

  1. STEP 1
    Pre-qualify
    Quick digital app. COE pulled. Pre-approval letter same-day.
  2. STEP 2
    House hunt
    Your agent submits offers with a real pre-approval that closes on time.
  3. STEP 3
    Contract & disclosures
    Loan disclosures signed. Appraisal ordered.
  4. STEP 4
    Underwriting
    Full VA underwrite. Conditions cleared fast.
  5. STEP 5
    Close in 14 days
    My average VA purchase closes in 14 business days. Best: 8.
What about closing costs?

Even with $0 down, you'll have title, escrow, prepaid taxes, and insurance. We structure seller concessions (up to 4% for VA) into your offer to cover them — you can close with little or nothing out of pocket.

Not sure which loan fits?

Fifteen minutes with me and you'll know exactly what you qualify for, what it'll cost, and what to do next.

Pre-Qualify Now Schedule a Call