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10 Best VA Home Loan Lenders In United States

VA Home Loans

10 Best VA Home Loan Lenders In United States – VA Home Loans play a key role for veterans and active military personnel and their families to get their dream homes. With VA Loans our service personnel have a unique opportunity to secure affordable home financing at a very good interest rate. According to the U.S. Department of Veterans Affairs (VA), veterans and active military personnel get special privileges of cheaper home financing through VA Home Loans.

We understand finding the right VA Home Loan lenders in the United States is a tough nut to crack. Hence, to make your search a little easier we have compiled a list of 10 Best VA Home Loan Lenders In United States that you can choose for financing your dream house.

Real Estate and Financing Trends in the USA In Context to VA Home Loans

In the US, a surge in demand for VA home loans is anticipated in 2023. The U.S. Department of Veterans Affairs (VA) insured more than 700,000 loans in the preceding fiscal year, demonstrating their appeal among qualified veterans and active military people.

The cheap interest rates for 30-year fixed loans offered by VA mortgages are one of the main factors contributing to their great demand. These rates, which normally vary between 5% and 6% in current times, make them a desirable choice for borrowers. Note, that VA rates fluctuate daily based on market conditions. Hence, we highly recommend that you speak with a VA lender to get the latest rate quotes based on your specific situation. 

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Frequently Asked Questions About VA Home Loans

Q1: What is a VA Home Loan?

Ans 1.) VA Home Loans are mortgage loans provided by private lenders but guaranteed by the VA.

VA Home Loans provide several benefits, including reasonable interest rates, no down payment needs, and no need for private mortgage insurance (PMI). The VA does have a funding fee which is waived for veterans receiving disability. 

These loans are only accessible to veterans, active-duty military members, and surviving spouses.

Q2: What are the eligibility criteria for VA Home Loans?

Ans 2.) Veterans who served at least 90 consecutive days of active service during wartime or 181 days of active service during peacetime are generally eligible.

National Guard or Reserve members may also qualify after six years of service.

Surviving spouses of military personnel who died in the line of duty or as a result of a service-related disability may be eligible as well.

Q3: What are the benefits of VA Home Loans?

Ans 3.)

  • No down payment requirement: VA Home Loans allow borrowers to finance the full purchase price of a home without the need for a down payment.
  • Competitive interest rates: VA loans often have lower interest rates compared to conventional loans, saving borrowers money over the long term.
  • No PMI: VA loans result from additional cost savings because it does not require private mortgage insurance like conventional loans.
  • Flexible qualification criteria: VA loans have more lenient credit and income requirements, making homeownership more accessible to veterans.

List of 10 Best VA Home Loan Lenders in the United States

1.) Reliance Financial

Reliance Financial is a leading lender specializing in VA home loans for veterans. With expertise in VA loans, we offer competitive rates and tailored loan programs to meet veterans’ unique requirements. Our top priority is personalized assistance, providing customized solutions and guidance throughout the loan process. We prioritize transparency, convenience, and integrity, ensuring a stress-free experience.

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With our deep understanding of VA loan requirements and dedication to exceptional customer service, veterans can confidently navigate the process and secure their dream homes. Beyond loans, we build lasting relationships and help veterans achieve homeownership goals. Trust Reliance Financial for expertise, competitive rates, personalized assistance, and transparency in VA home loans.

Contact Details: sales@reliancefinancial.com

Address: 11501 Dublin Blvd STE 200, Dublin, CA 94568, United States

02:48 17 Jun 23
Scott Wise and his team at Reliance Financial, Dublin, CA, achieved a smooth, 9-day close for the purchase of a SFR on 6/13/2023. His professionalism and customer care are exemplary and his encyclopedic knowledge of the lending process [a DSCR loan, in this case] was key to this transaction's success. Mr. Wise is a "doer" and represents the best in the lending and real estate industries. INCLUDE him in YOUR team. RECOMMENDED! - SW
Caroline YehCaroline Yeh
03:47 19 Apr 23
Last year I purchased a home and Reliance Financial Mortgage was instrumental in helping me through the process. Lucky Sandhu, and the team at Reliance Financial Mortgage made it easy and stress-free. They were always available to answer my questions and they were patient and understanding as I navigated the process.I was particularly impressed with the level of communication from the team at Reliance Financial Mortgage. They kept me updated on my loan status every step of the way and they were always available to answer my questions.I would highly recommend Reliance Financial Mortgage to anyone who is looking to buy a home. They are a great team of professionals who will make the home buying process as easy and stress-free as possible.I would not hesitate to use Reliance Financial Mortgage again if I ever need to buy a home in the future. Thanks Lucky and team for all your support and help!
Parth PatelParth Patel
23:56 03 Apr 23
When it comes to our mortgage lending needs there is no other place we will go to other than Reliance Financial. As first-time homebuyers, we needed a lot of guidance and an honest approach to addressing our questions and needs. Lucky and his team did an excellent job on making sure we felt comfortable and relaxed from start-to-finish. I recommend Lucky and his team to all homebuyers, especially first-time homebuyers! This is a team you can trust and count-upon.
Ninderjit SandhuNinderjit Sandhu
00:54 08 Dec 22
As a real estate agent, I have trusted Lucky and his team for several transactions including my own home purchase and refinance. The entire Reliance Financial team works like a family to help guide my customers with the best loan options for them including helping answer their questions on qualification. Several of my customers are self-employed and they require additional hand holding. Lucky and his team are always there to guide them properly and patiently and ensure the best outcomes for my homebuyers. When it comes to mortgage lending, I deeply trust Lucky and Team Reliance Financial to take of my customers.
Phillip ApleyPhillip Apley
23:52 19 Oct 22
Well let me start by saying that buying a home was one of the most stressful things I've ever done lol. However Scott Wise from Reliance Financial did as much as humanly possible to alleviate it! We were approved by 2 other lenders first, and both of these lenders didn't do their due diligence and would have cost us some serious money had we gone with them. But Scott from day 1 was thorough and transparent. He would break things down visually and explain things. He would search for the best options for us and ultimately delivered on EVERYTHING he said he would! He was very patient with me and answered all questions or concerns as soon as any came up. I can't recommend him enough!! Go with someone you can trust. If you don't believe me go ahead and get some numbers from others and then bring them to Scott and watch him beat them substantially!
Cecilia ApleyCecilia Apley
17:52 11 Oct 22
Reliance Financial exceeded our expectations as first time home buyers! Scott Wise worked deliberately to help us find the perfect mortgage loan for me and my family. He found us the best rate and was transparent since our initial conversation. He was so knowledgeable of the options that we had and showed us numbers with no hesitation. His ability to break it down and explain the different loans, rates etc. provided us with peace of mind. We knew we had made the best decision as he and the team guided us through the process. We will for sure be using them for any future need and highly recommend you do so as well!
Michael CastiglioneMichael Castiglione
20:50 09 Aug 22
Lucky and the team at Reliance Financial have absolutely mastered the entire mortgage process from start to finish, making it beyond easy to obtain a mortgage. They provide blazing speed with loan approvals within hours and reach clear to close consistently in two weeks. It's because of their focus on the client experience that makes every client feel special and comfortable working with them. I cannot say enough good things about Reliance Financial!
Jaya GuptaJaya Gupta
05:25 01 Apr 22
Excellent experience and amazing customer serviceWe worked with Lucky Sandhu on an investment real estate deal. He is very knowledgeable, transparent and a pleasure to work with. He takes the time to educate and answers any and all your questions. He helped us find the best rates and made sure that he personally guided us through the process.He also has an excellent and very responsive team. They were always on top of all the items and made sure that the appraisal and closing happened before time, even though we had a very tight deadline! Any time we had questions, we got a response immediately from them.They will be our go to partners going forward. Highly recommend Lucky and his team!
Munir SayaniMunir Sayani
22:52 30 Mar 22
RelFin team were amazing to work with! The process as a first time homebuyer can be difficult to navigate but Lucky, Katrina and team did an great job in making the process transparent and easy to understand! All the while being quick to respond and going the extra mile! They provided unbeatable rates and were patient in helping me come to a decision I was comfortable with. I am very happy that I got a chance to work with RelFin and would definitely recommend them!
Manaswini KoustubhManaswini Koustubh
17:35 22 Oct 21
Excellent service by Reliance FinancialWe had an amazing experience working with Lucky and his team at Reliance Financial for our mortgage loan on our new home! Being first time home buyers in the US, we had a lot of questions and concerns, Lucky explained us all the steps in detail and helped us make an informed decision, that made us close our deal on time. They are very good both with emails and are always available to work on our requests. It wouldn't have been a smooth sail with our new place if it was not for Lucky and his fantastic team. Thank you Reliance Financial. Highly recommend this team to anyone currently browsing for mortgage financing!!
Sidak SandhuSidak Sandhu
05:22 29 Nov 18
I have worked with Lucky Sandhu on several real estate deals, both personal and investment (in State and out of State) over several years. He has always been very professional, knowledgeable and just a good person to work with. He takes the time to educate you and answers all your questions. My main take away from dealing with Lucky is, he does not over promise and under deliver. We have always had a candid honest discussion on various topics around real estate. He has been a great partner in helping us build our real estate portfolio. Thinking back, we could not have purchased our first home without Lucky's personal help and guidance.He is a CPA, who has graduated from one of the best universities in the world with an extensive network in the Bay Area. He thinks like a business man and is genuine, humble and overall very passionate and knowledge about the real estate field. Highly recommended.

2.) Veterans United Home Loans

With a solid track record and a commitment to serving veterans and military families. Veterans United Home Loans is a leading VA home loan lender. They offer personalized assistance throughout the loan process and have a team of loan specialists who understand the unique needs of veterans. Veterans United Home Loans offers a quick online application procedure and routinely achieves excellent customer satisfaction ratings.

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Address: 1400 Forum Blvd. Ste. 100, Columbia, MO 65203

3.) Navy Federal Credit Union

Navy Federal Credit Union, is the biggest credit union in the country. Has a wealth of expertise in helping military personnel and their families. They provide VA home loans with competitive interest rates and choices for little or no down payments. Navy Federal Credit Union features a user-friendly online platform for managing your mortgage and offers individualized help throughout the lending process.

Address: 8200 Greenbelt Rd., Vienna, VA 22182

4.) Quicken Loans

One of the biggest mortgage lenders in the country, Quicken Loans, offers VA home loans to qualified veterans. They provide a simple online application procedure and are known for quickly approving loans. To accommodate various financial circumstances, Quicken Loans provides affordable rates and flexible lending alternatives.

Address: 10605 N. Central Expy., Ste. 100, Irving, TX 75062

5.) Veterans First Mortgage

Veterans First Mortgage offers a staff of knowledgeable loan officers who are committed to helping veterans and specialize in VA home loans. They offer tailored assistance and a streamlined application procedure. Veterans First Mortgage provides a range of loan alternatives with reasonable interest rates that are suited to the specific requirements of veterans.

Address: 1000 E. 9th St., Ste. 100, Kansas City, MO 64105

6.) NewDay USA

With an emphasis on VA loans, NewDay USA is dedicated to assisting veterans in obtaining a mortgage. To assist veterans in making educated decisions, they provide simplified loan procedures and educational materials. NewDay USA has a solid reputation for providing outstanding customer service and offering loans with favorable conditions.

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Address: 555 N. Brand Blvd., Ste. 300, Glendale, CA 91203

7.) Freedom Mortgage

A top-rated VA lender, Freedom Mortgage offers a variety of lending alternatives and low interest rates. They have a committed group of experts who offer individualized advice and are familiar with the intricacies of VA loans. A user-friendly web platform is provided by Freedom Mortgage for managing your mortgage.

Address: 19900 E. Ridge Blvd., Ste. 1300, Woodbury, NY 11797

8.) PennyMac Loan Services

Leading national mortgage lender PennyMac Loan Services provides VA home loans with reasonable rates and flexible terms. They have a reputation for providing exceptional customer service and offer individualized help throughout the financing procedure. Online tools and resources are provided by PennyMac Loan Services to make the application and approval processes simpler.

Address: 2300 W. Olympic Blvd., Ste. 1300, Santa Monica, CA 90404

9.) LoanDepot

Reputable mortgage lender LoanDepot provides VA home loans with competitive interest rates and helpful conditions. Veterans can swiftly finish the application procedure thanks to their user-friendly online platform. LoanDepot offers individualized direction and assistance from application through closing.

Address: 1000 S. Hope St., Ste. 500, Los Angeles, CA 90015

10.) SunTrust Mortgage

A reputable lender, SunTrust Mortgage, provides VA home loans with affordable rates and adaptable terms. They offer individualized service and have a group of knowledgeable loan officers that focus on VA loans. A variety of mortgage packages are available from SunTrust Mortgage, and an online application procedure is available.

Address: 200 Peachtree St. NE, Atlanta, GA 30303

Take Away

It’s critical to take into account important criteria like interest rates, closing costs, and loan conditions. Customer service, and overall experience with VA loans when looking for the finest VA home loan lender in US.  Reliance Financial is proud to deliver you with the list of top 10 Best VA Home Loan Lenders In United States that have been established. They as market leaders and have a strong commitment to helping veterans and their families.

These lenders give you the assistance and support required to effectively navigate the VA loan process, whether you’re a first-time homebuyer or a homeowner who wants to refinance. Consider comparing loan offers, reading client testimonials, and selecting the lender that most closely fits your financial objectives. With the right lender by your side, you can seize the advantages of VA home loans and make your dream of homeownership a reality. Trust Reliance Financial’s deep expertise in VA loan originations to help you experience the true value and significance of going with a tried and tested national lender.