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 was fantastic because there was no fooling around! Everything went along as planned, they kept me well informed and were well organized. They treated me, "Fantastically". The loan manager answered all of my questions. If anything was needed, it was overnight-ed or emailed via docu-sign. If there was a glitch they knew who to contact to get the problem solved. They were researching and working on solving the problem before I was even notified and got what was needed to make things happen. I surely would recommend them. I am the type of person that likes to be well informed and they would give me a call just to say they are still working on things and provide a status update, so I would not have to be concerned over the weekend with the progress. My loan was closed and I don’t have to worry about paying the mortgage because my loan is already set up for automatic withdrawal. They made things really convenient.


Ronald S.

They did a recent home refinancing for me and gave me a significant interest rate discount. We went from 4.5% to 2.94%. They were the best rate out there. They were very professional, thorough, did the majority of the process online and via text. Everything worked out very convenient and quick. I couldn't believe how smooth the process went through the internet. It was a lot more convenient than walking into the mortgage broker office. I have nothing but good things to say about USA Home Loans and my experience with them. I definitely recommend them to others.


James B.

It was such an easy process and a Slam Dunk! There was not a lot things that we had to provide them. We were thrilled with the way the loan was processed. The people that were in the Sunrise office in Tucson were just exceptional. The Senior Loan Processor is amazing. You can sense the sparkle from her on the phone. She follows up and knows the answer. You got the feeling she had done it, knew it, and she will get it done for you in the quickest possible way. Everything she said that would happen, happened. I would ABSOLUTELY recommend them to any Veteran going through the process we just went through.


David S.

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.

Everyone at USAVA Lending did a splendid job in refinancing my home..They were very courteous,imformative, and answered all my questions. They were all very professional in handling my re finance, and it was finished promptly.I recommend your Lending Instition very highly.Thank you all for doing such a great job..!


Anthony Z

9/11/2015 They were good in every way. They bent over backwards to help us get refinanced. It took us 7 months to complete our loan. We had issues with the IRS and New Mexico. The Senior Loan Processor had to do a lot of work and she let me know what they needed to continue with the loan. She was fantastic and is always happy and positive and had a way of presenting things with a lot of personality. I felt that I had all my questions were answered from the beginning to the end. The customer service was really good. They had a professional attitude to them and they could joke on a professional level. They made us laugh in a difficult situation. I never felt like I was a second customer. I felt like mine was the loan on the top of the stack! I would recommend them and use them again.


Richard P.

We had absolutely no disappointments with USAVA Lending. The Loan Processor was absolutely wonderful and I cannot say enough nice things about her. Everything went absolutely smoothly. The Loan Originator did everything for me. He was very nice and was always there when I needed his help. He was great and I don’t have any complaints about him. The Executive Assistant was also very helpful. It was a great experience. They followed up with me. I sold real estate for a number of years and worked for a loan processing office so I knew more than the average person. If they needed something they would email me or call me and I would get it right out to them and they would take care of it. I would absolutely recommend them. As far as I am concerned, they were great.


Sandra G.

They did a refinance / home loan for me a few months ago. The representative that walked me through this process, I've worked with in the past. I appreciate how responsive both him and his team were. They were able to do everything very quickly, I was very pleased with that. They were very efficient and I was very satisfied with the service they provided.
They by far exceeded my expectations and definitely recommend them to others.


Branden 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.