VA Loans

A US Department of Veteran’s Affairs (VA) Loan allows qualified veterans to buy a house costing up to $417,000 without a down payment.

Chief among those benefits is an opportunity to take part in the VA Loan program – a mortgage option that provides the opportunity for qualifying veterans to purchase a primary residence without putting any money down towards the sale price of the home. Additionally, the qualification guidelines for VA Loans are more flexible than for either FHA or Conventional Loans.
For qualified veterans, this can be a very attractive option.

Why Choose a VA Loan

  • No Down Payment
  • Minimum FICO as low as 580
  • No Private Mortgage Insurance
  • Competitive Interest Rates
  • Easier to Qualify
  • No Income Restrictions
  • No Lender Fees

Are you eligible for a VA home loan?

While the VA Loan is designed specifically for those who served, there are a handful of requirements.
In order to qualify for a VA Loan there are specific service conditions each borrower must meet.
The good news is that the qualification requirements for VA Loans are much more flexible than either FHA or Conventional Loans.

You may be eligible for a VA Home Loan if you meet one or more of the following conditions:

  • You have served 90 consecutive days of service during wartime, OR
  • You have served 181 days of services during peacetime, OR
  • You have more than 6 years of service in the National Guard or Reserves, OR
  • You are the spouse of a service member who died in the line of duty or as a result of a service-related disability
We are a local Arizona lender and are available for personal consultations,
or
call us at (480) 821-2577
info@oliverwhalenteam.com
*The Product/Program information contained here is educational only and does not represent actual rates or financing terms.

We’d Like To Hear From You

Feel free to call, email, or use our contact form. If you’re outside the United States, use our global contact map to find a representative near you.

Testimonials

  • Being a first time home buyer, I was never out of the loop, everything was easy to understand and when I didn’t there was always someone to ask. I’m Very happy with how this first time experience went and I would recommend Nova to anyone looking to buy a home! Thank you so much.

    Tashina Mattia

    I am a first time buyer & some issues I had to sort out & Nova was there every step of the way. I had a great experience with them & any time I needed information or documents from then it was always responded to quickly. You all are great!

    Stephanie De La Cruz

  • I appreciate the prompt responses, friendliness, and sense of urgency displayed by the group to help the client in every situation.

    Joshua Dean

    Great communication, timely LSU’S, and all paper to title ahead of schedule!

    Guadalupe Jerrells

  • Chris Callen is exceptional. She is so on target, so prompt in her email responses so patient with questions posed, I am deeply impressed. She is just an ace.

    Angela Giron

    I work with a lot of lender’s, You and your staff did a outstanding job to make this transaction go so smooth. Thank You. Kim Gauman

    Sunny Bert

Testimonials

  • Being a first time home buyer, I was never out of the loop, everything was easy to understand and when I didn’t there was always someone to ask. I’m Very happy with how this first time experience went and I would recommend Nova to anyone looking to buy a home! Thank you so much.

    Tashina Mattia

  • I am a first time buyer & some issues I had to sort out & Nova was there every step of the way. I had a great experience with them & any time I needed information or documents from then it was always responded to quickly. You all are great!

    Stephanie De La Cruz

  • I appreciate the prompt responses, friendliness, and sense of urgency displayed by the group to help the client in every situation.

    Joshua Dean

  • Great communication, timely LSU’S, and all paper to title ahead of schedule!

    Guadalupe Jerrells

  • Chris Callen is exceptional. She is so on target, so prompt in her email responses so patient with questions posed, I am deeply impressed. She is just an ace.

    Angela Giron

  • I work with a lot of lender’s, You and your staff did a outstanding job to make this transaction go so smooth. Thank You. Kim Gauman

    Sunny Bert