VA Home Loans
You've served your country. The VA home loan benefit is one of the most powerful financial tools available to veterans — $0 down, no PMI, competitive rates. Let's put it to work for you.
Honoring Colorado's Veterans
The VA Home Loan program was created in 1944 to help returning service members achieve the American dream of homeownership. Over 80 years later, it remains the most powerful home financing benefit in existence — and it's earned. The question is: are you using it?
Many veterans don't realize their full VA benefit entitlement, or they've heard myths about VA loans being difficult or slow. Zach has navigated dozens of VA loans in Colorado and knows exactly how to move these files efficiently while maximizing your benefit.
Who Is Eligible?
- Veterans with qualifying active duty service
- Active-duty service members (after 90 continuous days)
- National Guard and Reserve members (after 6 years of service or 90 days under Title 32)
- Surviving spouses of veterans who died in service or from service-connected disabilities
The VA Loan Process with Zach
Step 1 is obtaining your Certificate of Eligibility (COE) — Zach can request this directly through VA systems on your behalf. From there, the process mirrors a conventional loan: application, appraisal (VA appraisers are specific to VA loans), underwriting, and closing. The key difference: Zach knows exactly which conditions VA underwriters look for and prepares your file accordingly.
VA Loan Key Facts
VA Funding Fee
Most VA loans include a one-time VA funding fee (typically 2.15%–3.3% of the loan amount for first-time use, lower for subsequent). This fee can be rolled into the loan. Veterans with service-connected disabilities rated 10%+ are exempt from the funding fee entirely.
VA Loan Benefits at a Glance
Zero Down Payment
Purchase a home without any down payment for eligible veterans with full entitlement.
No PMI Ever
Unlike conventional loans under 20% down, VA loans never require private mortgage insurance — saving hundreds monthly.
Competitive Rates
VA loans typically carry rates 0.25%–0.5% lower than conventional loans because the government guarantee reduces lender risk.
Flexible Credit Standards
The VA doesn't set a minimum credit score. Zach works with lenders who are flexible for veterans with credit challenges.
Reusable Benefit
Your VA benefit can be used multiple times throughout your life — and in some cases, you can have two VA loans simultaneously.
VA IRRRL Refinance
The VA Interest Rate Reduction Refinance Loan is a streamlined refi that requires no appraisal and minimal paperwork.