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!

They got back to me when I wanted to. When they said they were going to call me they did. The loan closed on time. They treated me the way I expected. They clearly explained the process. I already recommended them to my friends.


Melvin W.

I used USA Home Loans to refinance my VA loan to lower the interest rate. This was my first time using them and they definitely met my expectations. They were quick and efficient we closed on time and everything happened as anticipated. The employee in charge of my loan was up front and very helpful answering all of my questions in a timely manner. I would definitely recommend their services to others in need.


Fernando M.

USAVA provided us with a refinance loan. USAVA always meets our expectations, we love working with our representative....she's very professional and always explains everything in detail. USAVA is very proficient. My husband and I give them 5 stars!!! We would recommend this company to anyone. This is our second refi with them.


Kerri H.

9/29/2015 I had been denied from my bank loan for a house and USAVA Lending was able to come through at the price I needed. I came out with very little out of pocket cost. They are courteous and on top of things. I think we even set a record for the time frame on closing. They explained everything and all questions were answered thoroughly. They followed up with me. They are there to help in any way that they could especially in a time where veterans are not getting lots of help. I would absolutely use them and recommend them.


Christopher B.

The Executive Assistant and loan originator made me feel very comfortable and everyone was very nice. She called when she said she would and answered the phone right away. Everything was explained clearly. When we turned on the television we remembered my neighbor used their services and decided to choose USA Home Loans. My neighbor recommended them highly and so do I. When you talked with them they did not make you feel like you were being a nuisance. I am 86 years old and sometimes things are overwhelming and I tend to repeat questions and they were not bothered by it at all. I send my best to the staff and the wonderful way they treated me!


Mabel W.

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.

USAVA Lending were just fine. They closed my loan on time and explained everything to me. I would recommend them and rate them 5 Stars.


Thomas G.

Overall, I was very satisfied with their performance. The service was good and I was happy with everything.


Claude P.

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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.