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!

My interest rate was lower than it was. They were very nice. I would recommend their service.


Nege C.

Everything was really good especially now that the interest rates just went up. I locked in at the right time. The loan originator did a good job. He was always keeping me apprised when documents were coming. Once I got them, he asked to let him know in case I had any questions. He would immediately get back and have answers. He explained everything clearly to me like when my first payment was. He sounded young, but he was right on and made me feel comfortable. When he said he would have an answer for me, he would have an answer for me that day and would call me back within 20 minutes sometimes. There was a time that I called late and he was with his family, but he took my call and the time to answer my question on his personal time. If he did not have an answer, he would have the answer for me as soon as he could get it. I was really pleased. I received a lot of stuff from other lending companies that was just below what USVA gave me, but they waived a lot of fees for me. The other deals looked better, but over all I am really satisfied. I would recommend their services.


Rene V.

We went to USAVA Lending to refinance our home. Staff was friendly and answered all out questions. We’re older so the process worked out good for us. If anyone asked to recommend a company to refinance I would recommend USAVA Lending.


Scott and Debra F.

We've been with them for a little over a year, we have our home and auto insurance through them. They've always had good communication and I really like their rates. They've always been prompt in answering questions and/or concerns. I have recommended them and will continue to do so.


Larry M.

USAVA Lending is a tremendous organization that provides outstanding service. Everyone my wife and I were in contact with was very personable, extremely professional. My wife and I were guided through the process with no delays. I don’t have the exact timeline, but this was by far the shortest refinance I’ve ever experienced. I’m grateful USAVA Lending is there to help our veterans. Should the opportunity present itself, I will definitely recommend them.


Russell M.

This was an amazingly easy process! Amanda kept us informed, and provided us with the BEST Customer Service EVER! We would highly recommend you to our family and friends!


Cindy V.

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.

Have utilized USAVA 3 times to refinance my VA loan and they always provide top notch service. Never have to worry about the next steps for the staff keeps you updated regularly. Everything proceeded like clockwork. Will definitely utilize USAVA again!!


Michael N.

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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.