Are you a Veteran, active-duty service member, or surviving spouse ready to buy or refinance a home? VA loans were created specifically to honor your service by making homeownership more accessible and affordable. At Homestead Financial Mortgage, we go a step further by removing even more of the financial burden, offering no lender fees, streamlined approvals, and personalized service that outshines traditional banks.
With a VA loan through Homestead, you can benefit from 100% financing, meaning you don’t need a down payment to get started. You’ll also avoid monthly private mortgage insurance (PMI), which can save you hundreds of dollars a month compared to Conventional loans. And thanks to our minimum credit score requirement of just 580, more Veterans and military families can qualify, even those who have experienced financial hardships in the past.
How Homestead Financial Mortgage Stands Apart
What makes Homestead different from other mortgage lenders? It begins with our commitment to service and transparency. Unlike many lenders that charge costly fees upfront, we waive all lender fees for VA loans. This often results in significant savings at the closing table, helping you keep more of your hard-earned money where it belongs—with your family.
We also pride ourselves on offering a more flexible and understanding approval process. Our team takes the time to review your unique financial situation, including any past credit challenges. If you’ve had a bankruptcy, foreclosure, or are currently in a credit counseling plan, we’ll walk you through the VA loan requirements and help you determine if you qualify.
What truly sets Homestead apart is the people behind the process. We have loan officers who not only specialize in VA loans but who are Veterans themselves. They understand the unique needs, challenges, and priorities of military life because they’ve lived it. Their mission is personal: to serve those who have served. That kind of firsthand experience fosters trust, allowing our team to deliver guidance that’s not only professional but also deeply empathetic. We can even help you with property tax exemptions if you are disabled.
Beyond the numbers, our personalized approach is what makes the experience memorable. We’re not a national bank with rotating reps—we’re a dedicated team of mortgage experts who stay by your side from pre-approval to closing. Fast, responsive, and deeply knowledgeable, we make sure your questions are answered and your goals are always in focus.
What the VA Loan Process Looks Like
Applying for a VA loan with Homestead Financial Mortgage is a simple and transparent process. It begins with confirming your eligibility. Generally, Veterans qualify if they’ve served at least 90 days during wartime or 181 days during peacetime, or if they’ve completed six years in the Reserves or National Guard. Surviving spouses may also be eligible under certain conditions.
Once eligibility is established, we help you get pre-approved. This step involves reviewing your income, credit, and residual income—an essential VA guideline that ensures you can comfortably afford your monthly payments. Homestead welcomes borrowers with credit scores as low as 580, and we’re ready to work with you even if you’re recovering from past financial difficulties.
After you’re pre-approved, it’s time to find your dream home. VA loans offer the advantage of financing homes up to and even beyond Conventional loan limits, especially helpful in high-cost areas or for buyers seeking larger properties. Our experienced loan officers ensure your offer is backed by a strong pre-approval, giving you a competitive edge in today’s market. We are also well-versed in the requirements that the house must meet when you purchase a home with a VA loan.
From there, we move into processing and underwriting. Homestead handles the paperwork and documentation efficiently, making sure all VA and lender requirements are met. We also take the time to explain each step, so you never feel left in the dark.
Finally, once your loan is approved and cleared to close, you’ll sign the final documents and receive the keys to your new home—all without paying lender fees and without a down payment. Our borrowers often tell us how much smoother and less stressful their VA loan experience was with Homestead compared to larger institutions.
Additional Benefits for Veterans
VA loans come with several built-in advantages, many of which Homestead Financial Mortgage helps you maximize. For example, if you have a service-connected disability or are a Purple Heart recipient, your VA funding fee may be waived entirely. Additionally, certain disabled Veterans may qualify to skip tax escrows and get property tax waivers in some locations, further reducing their monthly payment.
Another unique feature of VA loans is that they’re assumable, which can be an attractive benefit if you sell your home in the future. Buyers may be able to take over your low interest rate and loan terms—something that’s especially valuable in a rising rate environment.
What’s more, qualified borrowers can even carry two VA loans at once, provided they meet specific entitlement requirements. This can be useful for those relocating or purchasing a second home under special circumstances.
Honoring Your Service With Real Savings
At Homestead Financial Mortgage, we believe that the VA loan benefit is one of the most powerful tools available to military families, and we’ve built our VA loan program to fully support that. From no lender fees and no down payment to attentive service and honest guidance, our approach is all about making homeownership a reality for those who served our country.
Whether you’re ready to buy your first home, refinance an existing VA loan, or simply want to understand your eligibility, we’re here to help. With years of experience in VA lending, and hundreds of positive reviews, our team understands the unique needs of military borrowers and stands ready to help you succeed.
Let’s make your homeownership goals a reality.
Contact Homestead Financial Mortgage today and take the first step toward owning a home with your VA loan benefits.
Disclaimer: Waived lender fee available for VA loans. Not all borrowers will be approved. Contact Homestead Financial Mortgage for more information and up-to-date rates. Homestead Financial Mortgage is not affiliated with the U.S. Department of Veterans Affairs or any other government agency.