The Home Lady® team uses approved VA direct lenders with many years of experience in handling government loans. Your VA Home Loan Benefit allows you to purchase a home with 100% financing.
It is imperative to use a direct lender that knows the rules and regulations that VA requires, and who has experienced underwriters to make common sense decisions on every loan file submitted.
We use lenders who keep up to date on this constantly changing market. VA doesn't require a credit score, but all VA approved lenders will require a minimum credit score. VA doesn't lend veterans money - they guarantee the loan.
The VA direct lender knows how to prequalify you using VA's formulas and your Certificate of Eligibility (COE). If you can't find your DD214 (discharge papers), and/or your COE, the lender is authorized to order them on your behalf.
are pre-qualified based on your income including salary, disability
payments, pension, social security and child support. Surviving spouses
of deceased veterans may also qualify to purchase using the VA Home
The VA home loan mortgage limit is up to $417,000 with no down payment, or up to $1,000,000 with a small down payment. Ask your lender how you can use your VA home loan benefit to qualify!