USAVA Lending is a VA Approved Lender | NMLS ID 966439 | MB 0921703
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USAVA is a VA Approved Lender

Welcome to USAVA Lending

At USAVA, we are proud to provide the highest quality home loans for veterans and active duty Military. Our loan specialists will assess your specific needs and ensure you take full advantage of the unique benefits reserved exclusively for veterans and active members of the US military.

Lower Payments

VA Loans provide competitive interest rates and no PMI which means lower monthly payments.

Easy to Qualify

The VA Loan Program provides opportunities to buyers that may not ordinarily qualify for standard financing options.

No Down Payment!

VA Loan Programs are one of the only lending options that require no down payment.

This is especially ideal for first time buyers that receive relaxed credit standards!

Whether your goal is to purchase a home or refinance to lower your monthly payment, our team is committed to helping you obtain an unbeatable VA loan with vigilant, caring customer service. Our excellent rating with the BBB and Business Consumer Alliance is proof of our dedication to our customers.

Our VA Loan specialists are waiting to help you take advantage of these exceptional benefits.

Call us today to get started!

VA Loan Eligibility

Find out if you are eligible for a VA Loan today! USAVA Lending is here to help you determine your eligibility as well as answer any VA loan questions you may have. Our “A” rating from the Better Business Bureau means you can trust in our our quality products and our commitment to providing unbeatable customer service. You can be confident that our dedicated loan specialists will be with you every step of the way.

We will assess your individual needs and goals and help to educate you on your VA loan benefits and the VA loan process. We are committed to helping you get the best rate possible with a smooth, low stress transaction. Whether you are refinancing an existing loan to dramatically lower your payments or are buying a new home, USAVA is the best choice for all of your lending needs.

Find Out More

Eligibility for VA Loans includes one of the following:

  • You have served 90 consecutive days of active service during wartime
  • You have served 181 days of active service during peacetime
  • You have more than 6 years of service in the National Guard or Reserves
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.

Refinancing Options

The VA Interest Rate Reduction Refinance Loan (IRRRL) lowers your interest rate by refinancing your existing VA home loan and is one of the few remaining mortgage options for borrows that don’t have a down payment. Additionally, an IRRL is typically easier to qualify for than conventional mortgage choices.

If you are considering lowering your monthly mortgage payments and are either a veteran or active military, please give us a call today. We will carefully assess your situation to find your very best options and we will never try to sell you something that doesn’t make sense. At the very least, you’ll walk away with useful information to consider.

USAVA Lending is an Equal Housing Lender and a member of the Better Business Bureau with a solid reputation of excellence. Call us today or email us to get started!

Get Started


  • No appraisal, income or assets required when qualifying for a VA streamline refinance.
  • No credit score required and you can skip up to 2 mortgage payments.
  • Convert your VA Adjustable Rate Mortgage to a VA Fixed mortgage while interest rates are still low.
  • At USAVA, we welcome you to compare us to other lenders. We are confident that we offer the best rates and terms in the industry with the most experienced VA loan specialists.
  • You may receive up to $500.00 cash out at closing from the loan proceeds.

Talk to one of our VA Loan Professionals Today!


No Down Payment | No Mortgage Insurance | Low Rates

Don't Just Take Our Word for It

Based on over 250 Reviews

See what people just like you have experienced working with USAVA!

USA Home Loans did great! They made it very simple and easy. They walked us through every step we needed to do. It was a very pleasant experience. Our loan originator was very helpful. We looked at several offers in the mail and we liked the way their letter was worded, the cash out option offer and the look of the letter was appealing. We would absolutely recommend them.


Ronald S.

I have used USA Home Loans a couple of times now and I keep going back because the employee I work with is great. I am always treated well and the employee is very personable. I have recommended them and if asked I would keep recommending them they are efficient.


Levi M.

I had been trying to refinance. They made it happen when no one else could. The process was quick. Everything was done electronically which made it easy. Communication was very good. They provided excellent service. It was a pleasure working with them. I would highly recommend them.


Steven R. L.

Everyone we spoke with at USAVA Lending was so nice and polite. We were very impressed and put at ease with their knowledge regarding the whole refinance process. It took 4-5 weeks to complete and we were pleased with how things kept moving right along. We definitely recommend USAVA Lending to anyone in the market to refinance. 5 Stars!


Neil E.

The entire USAVA Lending staff were FANTASTIC! The team was exceptional, kind, courteous, prompt, friendly, knowledgeable, and very professional. They all did a wonderful job working with us on refinancing our home in Littleton, Colorado. They called daily to provide updated status, no matter time of day. Provided very detailed information on what needed to be done, completed and executed. Explained every detail about the loan process and what needed to be in place. We couldn't be more proud of our experience working with the USAVA team. They exceeded my expectation more than I can imagine. As a VETERAN, I am proud to have worked with these fine professional who looked out for my mortgage needs. Gold Bless the USAVA Lending team and the entire staff I listed above. The rating for this team is a "10", but since the system only allows for a "5", then times (2). Outstanding!!! Job Well Done! Keep up the great work and Fire. I salute you all! Keep smiling. We walked away with a Vote of Confidence, we were in good hands at all times. God Bless and With Much Respect!


Dwayne Z.

9/3/2015 The service was real good and they were pleasant. They were real polite and nice. The loan closed early and it did not take too long. We had no problems with them. The loan originator was excellent. He set us up and he was fantastic! He called back to see if everything went smooth and to find out if we had any questions. We did not have any questions because they answered them. I would definitely recommend them.


Will M.

We refinance our home with Usava lending group and the people me and my husband worked with was awesome they told us everything that was going to happen all the way to the end. All questions was answered promptly by phone or email. I would recommend them to anyone who wants to purchase or refinance.


Milinda G.

USAVA did great! They made things so easy. I would recommend them to everyone. I loved working with the Senior Loan Processor, she is very good at what she does. She gets a 10 !


Cindy M.

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Why Choose USAVA Lending?

We're a Military Focused Lender We Are A Military Focused Lender

We specialize in VA loans which gives us the opportunity to provide the absolute best service possible to those who have proudly served our country. We also partner with local and national organizations where we give back to those that bravely serve our country.

VA Lending and Refinancing Specialists VA Lending Expertise

Our expert team specializes primarily in VA loans. We have the knowledge to educate you on your options and the experience to find the best possible loan solution for you.

We will work with you throughout the entire loan process to provide a smooth transaction and ensure your complete satisfaction.