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Apply for a VA Home Loan

Unlock the Power of the VA Mortgage Loan

The VA mortgage is tailored exclusively for our nation’s heroes and their spouses.

Whether you’re an active-duty service member or a veteran, DSLD Mortgage is here to guide you through the VA Loan application process and ensure you reap the full benefits of this special mortgage offer for veterans.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

VA Loan Options and Benefits

Our expertise in the VA mortgage landscape can help ensure you get the best options tailored to your needs. From understanding the nuances of the VA funding fee to leveraging the competitive interest rates, we’re here every step of the way. And getting a VA Loan means you get these excellent benefits:

  • No Down Payment: Purchase your dream home without any upfront payment.
  • Competitive Interest Rates: Benefit from rates that are often better than Conventional Loans.
  • No PMI: Say goodbye to monthly mortgage insurance payments.
  • 100% Access To Home Equity: Convert your home’s equity into cash.
  • Refinance Options: Refinance your existing VA Loan with minimal documentation.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

military mom hugging son

The VA Loans Process

01

Request a Free Loan
Consultation

Connect with one of our Loan Officers to check if you qualify for a VA Loan. We will typically pre-qualify you for a mortgage within 24 hours.

01

Request a Free Loan
Consultation

Connect with one of our Loan Officers to check if you qualify for a VA Loan. We will typically pre-qualify you for a mortgage within 24 hours.

02

Download the
App

Complete your VA Loan application and upload the necessary documents via our secure app. Download the DSLD app now.

02

Download the
App

Complete your VA Loan application and upload the necessary documents via our secure app. Download the DSLD app now.

03

Submit Your
Application

We’ll review your VA Loan application and let you know if you qualify for a VA Loan. Once you’ve sent us your paperwork, we can normally do this within a week.

03

Submit Your
Application

We’ll review your VA Loan application and let you know if you qualify for a VA Loan. Once you’ve sent us your paperwork, we can normally do this within a week.

04

Close on Your
New Home

We’ll be there through closing to ensure the process is straightforward and stress-free.

04

Close on Your
New Home

We’ll be there through closing to ensure the process is straightforward and stress-free.

Our Loan Officers will guide you through each step of your VA Loan application, providing expertise tailored to your unique needs and circumstances.

FAQs about VA Loans

A VA Loan is a mortgage backed by the US Department of Veterans Affairs. It helps veterans, active-duty service members, and their families buy homes with great benefits such as no down payment and no mortgage insurance.

You may qualify for a VA Loan if you meet service requirements. Generally, this includes active-duty service for specified periods, veteran status with qualifying service, service in the National Guard or Reserves for a qualifying period, or being the spouse of a service member who died in the line of duty or due to a service-related disability.

The VA funding fee is a one-time payment you make directly to the US Department of Veterans Affairs on a VA-backed or VA-direct home loan. This fee is designed to reduce the loan’s cost, considering that VA mortgage loans don’t require a down payment or private mortgage insurance.

The amount of the funding fee can vary based on factors like your military service type and whether you’ve used the benefit to apply for a VA home loan before. It’s essential to note that some veterans, such as those with service-related disabilities, may be exempt from paying this fee.

One of the main requirements to make a VA Loan application is the Certificate of Eligibility (COE). This certificate proves you meet the necessary service requirements to qualify for a VA mortgage loan. The first step is to gather all of your documents and information. A full list of what you need is available on the USDVA website, and the documentation you need to provide will depend on your service.

Alongside your COE, requirements include satisfactory credit and income, and the home must be your primary residence.

Yes, if you have an existing VA mortgage, you can refinance it through the VA’s Interest Rate Reduction Refinance Loan (IRRRL) program. This program, often referred to as VA Streamline Refinance, allows veterans to take advantage of lower interest rates. 

The process is typically faster and requires less paperwork than a standard refinancing process. If you’re looking to refinance a non-VA Loan into a VA Loan, you can use the VA’s cash-out refinance loan as an alternative option. This allows veterans to refinance their Conventional or FHA Loan into a VA mortgage, potentially benefiting from the VA’s favorable terms.

No, one of the advantages of specially designed home loans for veterans is the absence of prepayment penalties, meaning if you can pay off your VA Loan earlier than your agreed term, you won’t face any additional charges or fees. That provides a lot of flexibility for veterans, allowing them to manage their mortgage in a way that best suits their financial situation.

 Discover the DSLD Difference

Whether you’re looking to purchase a new home or refinance your current one, DSLD Mortgage is here to help.

Our Customers Are the Heart of Our Business

The true testament to our service isn’t just our professional team.

It’s the stories of the countless veterans and their families who’ve trusted us with their dreams.

Get Expert Tips and Personalized Mortgage Advice

Keep up-to-date with the latest home trends, and interest rates, and be the first to know about special offers.

Want to Talk?

We’re more than just a lender. We’re your partner in the homebuying journey.

Reach out, and let’s discuss your homebuying dreams. Our team is eager to listen and provide a tailored plan for you.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

family of 4 relaxing on a couch

Want to Talk?

We’re more than just a lender. We’re your partner in the homebuying journey.

Reach out, and let’s discuss your homebuying dreams. Our team is eager to listen and provide a tailored plan for you.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

Request a Free Loan Consultation

Check if you qualify for a mortgage by requesting a callback from one of our Loan Officers.

Name(Required)
This field is for validation purposes and should be left unchanged.

family of 4 relaxing on a couch