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

IRRRL Facts

  • 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!

1-888-842-0490

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!

This was my 3rd refinance with them and they were above and beyond what I expected. I keep going back because they are great. They are on time and they explain each step with you and tell you what you are going to do. Being on time is important because when they tell you they are going to close at the end of the month, and they do close at the end of the month. I feel like I have friends there even though I never met them, especially the loan processor. I am in my 70's and I have bought and sold houses and owned businesses and they are great. They provide the best services out of all of the previous companies I used. I thank them each time and they know I think highly of them. I would definitely recommend them.

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Richard I.

10/26/2015 My husband and I couldn't be more pleased with the process of re-financing an income property. Thanks!

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Laurie B.

USAVA Lending were great! My wife and I would like to thank everyone and pass this one to their team. The Senior Loan Processor was always in contact with us and happy to do what we needed her to do. We had a good experience. She made appointments for us like taking care of the appraisal. She is quite a good lady to work with, easy to talk to and is friendly. Everything came out just like she said it would. Our loan closed on time. Everything was right on the money and great. I would give 5 stars to the employees and and the lending company. I would absolutely use them again and recommend them. I am glad I responded to their mailer.

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Dennis D.

From the 1st call I made to USAVA, we felt like we were under their wing and they TRULY cared about our means!!! And then in the end, the Senior Loan Processor was soooo awesome, she truly has us under her wing, and I feel that she is my best friend!!! That's how we talked on the phone! I lover her, and this experience has been better than winning Publisher Clearinghouse!!!!! I really can't believe how wonderful this experience has been. Thank you soooo much for everything you guys!!!!

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Cynthia F.

I'm very happy with the service from USAVA Lending. The whole transaction went seamlessly.

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Tyler T.

4/1/2015
We've went through purchasing/refinancing before, it's not something you look forward to, as generally it is very time consuming and stressful. With USAVA from the very first phone call to the last it was quick, no stress, it was made very easy and the people I dealt with were all very friendly and professional. I don't know if I'm allowed to mention their names but the 3 people that worked with us; well to put in a word, "outstanding!" Thank you for a stress free and quick refinance.

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Clarence K.

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!

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Dwayne Z.

Everyone was very courteous, explanatory, and professional during the course of my refinancing process. Two thumbs up. I would absolutely recommend their service.

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Jerry L.

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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.