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Loan Programs

The Best Loan Programs On The Market Are Backed By The Veterans Administration.

Our mission is to help you understand the right loan options that make the most sense and impact for your financial goals. When you work with our bank, we assign a Sr. VA Banker that will never leave your side, pass you off to assistants or make excuses. We believe in providing a direct relationship that keeps you informed, clear and confident from start to finish.

Whether you’re looking to purchase your first new home, upgrade your existing home for a growing family or require VA loans for manufactured homes, or quick streamline refinances,we have you covered. We want to answer any questions and create a more personalized conversation based upon your needs, so don’t hesitate to contact us to right away. 

100% Purchase Loans, Zero Down, NO PMI, Condo, Single Family, & Manufactured Homes

The Veterans Administration Loans are the absolute strongest purchase programs available to our United States Veterans. If you’ve thought of buying a home instead of renting, you should be taking advantage of these markets conditions. Private citizens cannot get programs or financing as strong as this, that in the majority of U.S. Markets, owning is cheaper than renting.

We specialize in Zero Down, 100% Financing for condos, single-family, and manufactured homes on fixed foundations. There is NO monthly mortgage insurance, and we escrow taxes and insurance into one low payment. Our process is painless and simple; We get you pre-approved, send you a pre-qualified letter and then let you shop until you find that perfect home.

Working with your current realtor, or helping you locate a realtor comes with the territory and we excel at strong customer service. Owning your own home has never been more obtainable than right now. We’re experts at helping borrowers with credit scores down to 530, and other out of the box scenarios. We additionally offer VA Jumbo Loans which require much smaller down payments than other non-VA programs.

100% Purchase, Cash-Out & Debt Consolidation Refinance for all Manufactured Home Loans

For over 20 years we have specialized in manufactured home loans on fixed foundations as well as, in rural locations. When shopping for a VA Manufactured Home Loan to purchase, pull cash-out of, or streamline refinance, not every lender can meet your request. This is why many lenders refer us clients on a weekly basis they cannot help.

As the largest VA Manufactured Home Lender, lending in all 50 states, we can finance up to 100% no money down, no mortgage insurance, purchases as well as cash out and rate-and-term refinance down to a 530 score, some cases like Streamline refinances can qualify with no score. This is what makes us the strongest and most confident lender for manufactured homes.

The VA allows up to 100% to consolidate high-interest credit cards, installment loans, or you can simply take the cash out for whatever purpose you see fit. Veterans can save hundreds of dollars a month by smartly consolidating debt against their homes’ equity. We truly want to speak to you about your needs, as there is always a path we can explore and a plan to put in place to help you create the home of your dreams. *Manufactured Home must be on a permanent foundation system and must be on land that you own or will own, not in a mobile home park.

100% Streamline Refinance, VA Interest Rate Reduction Refinance Loans (VA IRRL & VA IRRRL)

The VA Streamline Refinance, VA Interest Rate Reduction Refinance Loan (VA IRRRL or VA IRRL), being offered by the Veterans Administration is the easiest, quickest and most effective loan a Veteran can participate in. No Cash-Out is allowed, however, it is designed to lower your rate quickly, from those loans that are at a higher interest rate. In some instances reducing your rate by .500% or more, you can save tens of thousands of dollars or more in interest over the life of your loan.

There are multiple benefits to this program, yet not all lenders can participate in this program a key indicator in knowing if it is a true VA Streamline is based upon the limited documentation required. We specialize in streamline refinance programs which can close in as little as 3 weeks with no re-certification of eligibility.

We also offer a few nice features like:

  • Get your current escrow back

  • No appraisal or income verification and very little paperwork

  • NO credit or bad credit? No problem as long as you have had no 30-day late pays on your current VA loan in the last 12 months.

When viewing refinancing programs, this happens to be one of the best options for homeowners who already have a VA Loan and are looking to reduce their monthly mortgage rate.


5 Star USDA Lender Reviews That WOW!

VA Nationwide is a Top Rated National VA Mortgage Lender in all 50 States.

Richie, OK... so you've officially done something I've never seen in 22+ years selling real estate. Closed a VA Loan on 224 Acres, with a Manufactured Home. CONGRATULATIONS! and THANK YOU!!! Admittedly, I was skeptical (more like pessimistic) when James told me you were going to get this VA Loan completed. And I had many doubts along the way, because I'd seen so many VA Lenders fall flat on their faces, just before the Closing. BUT... You got the Job DONE! Occasionally, I find someone out there who has done an Outstanding Job, helping my Clients... and You are one of these! I'm now officially a FAN of You and Your Work. I would be honored to promote you and your services to other Agents within our company, and I intend to do so. I will call you when I've caught up on my work a bit... and learn more about how I can do my job better on the next VA transaction. ~Tom K. Realtor


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We Work Hard To Obtain Your Dream Loan, For Your Dream Home! 

We have over 20 years experience helping people just like you get the best low rate, fixed mortgage possible. We promise to never spam you, sell your information, bombard you with robo-calls, or provide anything but a clear, transparent conversation, from start to close! It all begins here, start now!



VA Construction, Cash Out, Jumbo, & Manufactured Home Loans In All 50 States


We are proud to present hard working bankers who roll up their sleeves to deliver amazing solutions. With programs even available to those whom have been turned down by other banks, or need a focused banker ready to listen and fight for your loan.