A veteran helping veterans.
I'm a US Army veteran, and VA loans hold a personal significance for me. I've seen how this benefit can change lives — zero down payment, no private mortgage insurance, and competitive interest rates. It's one of the best financial tools available to those who have served.
But here's the thing: not every lender understands VA loans, and not every loan officer takes the time to explain how they work. I do. Because I know what it means to serve, and I believe every veteran deserves an advisor who will go to bat for them.
What makes VA loans different
| Feature | VA Loan | Conventional Loan |
|---|---|---|
| Down Payment | 0% | 3–20% |
| PMI | None | Required if < 20% down |
| Interest Rates | Typically lower | Market rates |
| Funding Fee | 1.25–3.3% (waived for disabled vets) | N/A |
| Credit Requirements | More flexible | Stricter |
| Closing Costs | Seller can contribute up to 4% | Seller can contribute 3-6% |
Who qualifies for a VA loan?
You may be eligible if you meet one of these requirements:
- •Active-duty service: At least 90 consecutive days during wartime
- •Peacetime service: At least 181 consecutive days
- •National Guard or Reserves: Six years of service
- •Surviving spouses: If your partner died in the line of duty or from a service-connected disability
Not sure about your eligibility? That's exactly what our first conversation is for. I can often pull your Certificate of Eligibility (COE) within minutes.
Benefits for disabled veterans
If you have a VA disability rating of 10% or higher, your VA funding fee is completely waived — saving you thousands of dollars at closing. This is one of the most significant financial advantages available, and many veterans don't even know about it.
The VA loan process with Jeff
Free consultation
We talk about your goals and I verify your eligibility
I pull your COE
Often done the same day
Pre-approval
You know exactly what you can afford
House hunting
I coordinate with your agent and answer questions as they come up
Loan processing
My team handles the paperwork; you know what's happening at every step
Closing day
You sign with confidence and pick up the keys
What veteran clients say
Jeff, Tania, and the rest of their team are a joy to work with. Welcoming and attentive through the entire process, they brought clarity and confidence to our home purchase in Clark County, WA. We used a VA loan, and they handled every step with professionalism, patience, and excellent communication.
Daniel B.
VA Loan · Clark County, WA