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!

USAVA Lending were great and wonderful. They took care of all my fears and problems I had. They were able to soothe me. My loan closed exactly when they said. Anytime I had a question they told me how to proceed and take care of things. I was very pleased. I am elderly and usually leery with dealing with online companies. I don't do well with those things, but they did a thorough job. They were patient with me, which was very important because when you are older you need more time to understand. They also walked me through all the scenarios. I would absolutely recommend them!


Raymond and Sharon G.

USA Home Loans are very professional and met every question I asked. If I called my loan originator she would get back with me and would have answers right away. She always called me back in a timely fashion and provided everything that I needed. I chose USA Home Loans because I liked their overall rating and their good reviews. I would recommend their services.


Anthony T.

USAVA Lending were great and did a wonderful job! They worked with us and made it everything possible. We were traveling and had to do some of this on the road. Somebody was always there to answer questions. The staff all did a good job and kept me informed. They emailed me to let me know what was going on. A letter came in the mail and we received an email regarding their service. We chose USAVA Lending because of the interest rate and we wanted to use a company offering veteran services. We had a really good deal, but we wanted a 30 year loan instead of 40 year loan and we got it at the interest rate offered. I would recommend them.


Victoria S.

It was great! USAVA Lending made it easy. They very much followed up and explained things clearly. They emailed everything. Oh Yeah, I would use them again.


Ralph B.

Everybody was wonderful! The loan originator was Fantastic and marvelous. He was always there for us. No matter how small the question, he gave us good answers and never acted like we were infringing on his time. You can't get much better than than. He handled things in such a professional way, which is harder these days to find people like him. He took the time to explain things 100. You bet, they would follow up with us. I have gone through a few refinances in my life. If everybody was like USAVA, refinancing would be a much more pleasant experience. They wanted to help me out. I was probably a pain
in the posterior, being an 80 years old man. But every thing I asked about, they were more than helpful with and no one got frustrated if I did not know. I would recommend them to anyone.


Raymond C.

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 started working with USA Home Loans about a month ago. They were timely and easy to get a hold of answering any questions or concerns. I would and have recommended their services.


Rickie C.

It was definitely above what I expected. I did not expect it to be so easy, quick and cheaper than I thought it was going to be. The follow up was good. They went over step by step how it was supposed to work. The timing was perfect. I would absolutely recommend USAVA Lending services. The Senior Loan Processor would call me to let me know what was going on once a week to let us know where we were at and what she needed. I have never had anybody do that. I was glad we responded to their advertisement in the mail.


Michael B.

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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.