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VA Loans

VA loans. Zero down, no monthly MI.

The strongest loan program in America if you have earned it. Trevor Lindqvist has closed more than 600 VA files and handles entitlement restoration and tidewater notices as routine work.

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What a va loan actually is

A VA loan is guaranteed by the Department of Veterans Affairs and available to eligible veterans, active-duty service members, National Guard and Reserve members, and some surviving spouses. No down payment, no monthly mortgage insurance, and a rate that typically prices below conventional.

Two things trip up VA files at other shops. Tidewater is the notice an appraiser issues when value looks like it will come in short, and it has a tight response window. Entitlement restoration matters when you have used a VA loan before. Both are handled here as a matter of course rather than as an emergency.

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VA Loans at a glance

  • Down payment0% up to the county limit with full entitlement
  • Mortgage insuranceNone, ever
  • Funding fee2.15% first use, waived entirely for 10%+ disability rating
  • Credit scoreNo VA minimum; most lender overlays sit near 600 to 620
  • Max debt-to-incomeNo hard cap with sufficient residual income
  • ReuseEntitlement can be restored and used again, more than once

Is It Right For You?

Where VA wins, and where it does not

We would rather talk you out of the wrong program now than restructure the file two weeks before closing.

A good fit when

  • Any eligible veteran or active-duty service member
  • You have little or no down payment saved
  • A service-connected disability rating waives the funding fee
  • You already have a VA loan and want an IRRRL streamline refinance
  • Your credit is mid-600s and conventional pricing is punishing

Probably look elsewhere if

  • You are not eligible for VA entitlement
  • Buying a pure investment property (VA requires occupancy)
  • The property will not pass a VA appraisal without repairs

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Other programs worth pricing

Conventional Loans Standard financing for primary homes, second homes, and rentals. Down payments start at 3%. See Conventional details → FHA Loans Government-backed, flexible credit. As little as 3.5% down with a 580 score. See FHA details → USDA Loans 100% financing for eligible rural and suburban addresses. No down payment required. See USDA details → Jumbo Loans Financing above conforming limits, with competitive pricing well past $3M. See Jumbo details →

See what a VA loan looks like for your file

Three minutes, no credit pull, and a written comparison against the other programs you qualify for.

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