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 is great! They were not pushy. I saw them on Facebook and did not think my home would qualify. I gave them a try. I did not expect a phone call right away, I expected an email. I let them know I had a single wide home and did not think they would be able to get a loan for me. The Loan Originator was constantly keeping me informed. I thought he did a really good job and was very happy. He was down to earth and very professional. He did not talk down to me. He did his job in a kind and professional manner. I had a unique situation and they handled everything in a time manner. Anytime I needed to reach out to the Executive Assistant she was on the ball, quick and efficient with getting me the answer I needed. The Senior Loan Processor, deserves lots of credit. I did not speak with her often, but she knew who I was and the reason I called. I know they help more people than myself, but the personalized attention made me feel like I was the only client. When they called me back after I contacted them through Facebook, I checked them out and I saw their reviews. Wow, I was very impressed. I like to give credit where credit is due.


DeAnn S.

The service was really good. My loan originator was detailed about the whole process and he was very informative. He was respectful and professional. He would call us back right away. I got a flyer and called because of the low interest rate. After I spoke to him, I was on board. I was impressed with his details and the fact that he knew what he was talking about. That made me feel comfortable. I liked the way he explained the information to me. I would recommend USAVA Lending.


Lily G.

Every time we had a question they answered it. Anytime we ran into a problem they did everything they could to find a solution to help us close. There was a couple of issues we had with our loan. When I reached out to the Senior Loan Processor via email she would answer any questions I had and she would promptly answer right back or on the same day. The Senior Loan Processor tried her very best to get everything done before we went on vacation so the loan would close before we went out of town. She went above and beyond. We had contacted another company before USAVA Lending and that company was dragging their feet and told us they had to check into things. USAVA Lending acted right away on our request to use our VA Loan instead of a conventional loan. We would definitely recommend using them.


Debbie N.

We received a VA Re-Finance from USAVA Lending. The Executive Assistant's follow up was amazing. The Operations Manager was the one that gave us this opportunity and the Senior Loan Processor made sure we had all the details needed to process our paperwork. The service was amazingly prompt and their follow up was exceptional. If you ever need any mortgage or refinance needs make sure you give USAVA Lending a call. Meeting your needs is their priority. They will work with you to make sure it is right for you. My experience with USAVA Lending is that they gave us the opportunity to be their client. They did not give up on us and worked with us. They were honest to let us know if it will be successful or not. No time and effort was wasted with USAVA Lending and us. The outcome was successful. We were able to refinance using USAVA Lending while others did not give us a chance.


Andrea A.

9/3/2015 I won't go anyplace else. They are very professional I cannot stress that enough! The process is straight forward. When I had questions they were always available. Communication was varied by phone, or email which worked for me because I am busy. I liked the multiple levels of communication which made it convenient. They were proactive by letting me know step by step through the process what was going to happen. I wanted to get the best interest rate locked in, so they worked with me over a few months to make sure I received the best rate. They look out for my best interest. I worked with the manager before. He did my first refinance 8-9 years ago. I looked forward for him to call me. I don’t need to go out looking out for any other loan company because I trust him and his staff. I go through USAVA Lending. The Senior Loan Processor is uplifting, energetic and positive. She made it a lot easier to go through the process because it can get overwhelming and explained the reasons why she needed updated documents. The Executive Assistant always answers the phone. They all have been excellent.


Valerie A.

They helped us bring down our mortgage interest rate from a 4.5% to a 3%. They did very well. Our representative was very knowledgeable, helpful and polite through the entire process. We were very happy with the outcome. We definitely recommend them to others.


Samuel H.

I was referred to USAVA Lending by a co-worker. They assisted with a refinance. USAVA explained everything so that I was able to understand the process. They are quick and easy and I would use USAVA Lending again if I had to refinance again. I recommend USAVA and give them 5 stars!


Melissa F.

I just did my VA Streamline refinancing with USA Home Loans. Nothing else to say besides they were great and I would recommend them.


Aaron R.

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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.