VA Loans, Also Called Department Of Veterans Affairs Home Loans, Are Available To Veterans, Active Service Members, National Guard, Reservists, And Spouses.


Whether you’re starting out with your first home or looking to save money by refinancing your current mortgage, Guaranteed Financial can help you sort through the process and take advantage of your military benefits.


Understand Your VA Loan Entitlement


All VA Loans are backed by the U.S. Government through a VA Entitlement. This Entitlement makes it easier for you to qualify for a loan because it represents the amount that the government would pay to the lender if you defaulted – it’s like government-sponsored loan insurance that you get automatically for dedicating your service to our country. You can use it for refinancing your current mortgage or purchasing a new home.


Use your Benefits to Purchase a New Home with a VA Loan


As a dedicated VA lender, Guaranteed Financial can offer you the full benefits afforded through your military service when you’re looking to buy a new home. Even if you’re a first-time buyer, the VA Loan program makes it easy to qualify.

•Near record-low rates

•Zero down payment option

•No mortgage insurance required

•No pre-payment penalties

•Relaxed qualification standards – you may qualify with a less-than-perfect credit score


Save money by refinancing into a VA Loan with Guaranteed Financial


Not having a VA Loan means that you’re giving up the benefits you’ve earned through your military service. With today’s record-low rates, you’re also most likely paying more than you should be for your monthly loan payment. Refinancing into a VA Loan is easy, too.

•Near record-low rates to lower your monthly payment

•No down payment required in most cases

•No mortgage insurance required

•Finance up to 90% of the home value – you can use the equity you’ve built for family vacations, college, or home improvements


Streamline refinance your current VA Loan


If you already have a VA Loan through another lender, refinancing into a lower-rate loan with a Guaranteed Financial VA Loan is simple and fast.  The government calls this loan an IRRRL (Interest Rate Reduction Refinancing Loan).

•Save money with historically-low interest rates

•Less documentation is needed

•Low closing costs – these can usually be financed directly into your monthly payments

•Energy efficiency improvements can be included in the mortgage