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What are VA Loans?

Guaranteed by the U.S. Department of Veteran Affairs (VA), a VA Loan is a mortgage loan that is issued by approved lenders and then guaranteed through the VA. Created in 1944 by the United States government to help supplement service members returning from their lengthy service, VA Loans enable veterans to purchase homes without requiring down payments or excellent credit scores.

Having been in existence for more than 73-years to date, the VA Loans programs has guaranteed more than 22 million VA Loans to active-duty service members, as well as their families.

This program is more important than ever today, as lenders nationwide have tightened their lending requirements following the collapse of the national market in 2008. During that time, VA Loans became a critical lifeline for military homebuyers, many of whom were shut out of the buying process with insurmountable credit standards and lofty down payment requirements. Like any home loan today, VA Loans come with a significant amount of details and specific information that needs be to reviewed carefully. We work hard to provide you with all the information and resources you need to file for a VA Loan.

Designed to serve America's Heroes.

Why Choose HERO.LOAN

MORE PERSONALIZED SERVICE

Our team of VA Loan Specialists goes out of their way to create a personalized loan experience for our customers. We will meet with you face to face, in your home, on base, at work, or wherever you like. It’s important for us to get to know you, so we can tailor your loan to your specific needs, and for you to get to know us in a space that is comfortable to you and at a time that works for your schedule.
WE DO THE HEAVY LIFTING
Qualifying for a VA home loan requires a lot of steps, starting with the VA’s Certificate of Eligibility. Through the Hero Loan program, our team lightens your load by helping with every step of the loan process, starting with getting your VA Loan Certificate of Eligibility. We do all the VA paperwork for you!
YOU SAVE TIME
We are a direct-endorsed VA Lender. That means much quicker turnaround times for you. While most lenders take up to 120 days to complete a VA loan, we can close in as little as 14 days. Imagine it: you in your new home in just two weeks.
YOU SAVE MONEY:
NO OUT-OF-POCKET COSTS EVER
We underwrite all our VA loans in house. That means lower mortgage rates for you and no upfront or out of pocket costs—that includes the appraisal. At Hero.Loan, there are never appraisal fees, or any other out of pocket costs.

for more info contact info@hero.loan

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Ryan Kelley

NMLS #1326241

Licensed in: Missouri, Illinois, Indiana, Tennessee, California, Kentucky

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