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 provided one of the best refinancing experiences we have ever had. They were professional, responsive and competent. Our loan processor, exceeded every expectation and was an absolute delight to work with. Our Loan Processor, was a consummate professional and an strong advocate supporting our best interests. What a treasure to have in our corner!


Steve & Kim B.

9/10/2015 I have not bought or sold a home in years. This was a new experience for me and I was highly satisfied. Everyone was very professional. The Loan Originator and Senior Loan Processor were very good. Anytime I called they were right on the spot. If I called and left a message they got right back to me. I would recommend them.


Gary R.

5/27/2015 verified review (What's This?)
I obtained a new loan through USAVA Lending. I am real happy with them. I have done some refinancing before and it seemed to get bogged down. The Senior Loan Processor was the primary person to put together the paperwork. She was very helpful and stayed in contact the whole time. There was no miscommunication. We were in contact back and forth on the phone and things they did not receive in the mail, they asked for right away. The loan took a little longer to close the loan, but I am very happy. I was impressed with the way they followed through. Everyone in the office was very attentive and responded back to me within a minimal time. The whole staff was courteous to me every time. After while, they all recognized my voice and answered the phone and called me by name. I sure would recommend them and they are 5+ Stars!


Harold F.

10/1/2015 Sweet, kind, courteous are just some of the words I would use to describe USAVA Lending. USAVA Lending did a refinance for me. They were extremely patient. I never felt like I was being rushed. They went over everything with me and were there to answer any questions I had. I would encourage everyone to use USAVA Lending and I have already advised my family to do so. Thanks so much!


Dolores G.

I conducted business with USAVA Lending and I was very pleased with their service. They answered all of my questions. They took care of all of my needs. The outcome was to my satisfaction and completed in a timely manner. Again, they were very helpful and courteous.


Arthur W.

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!


Dwayne Z.

HUSBAND: We recently had our home refinanced through USAVA Lending. Personnel who helped, I cannot say enough about their excellent service. All of our questions were answered in quick professional manner. I would feel totally comfortable recommending them and the services they provide. Personnel called and emailed us every step of the way in the refinancing of our home. They were able to lower our mortgage rate from 4.75% to 3.5%, get a substantial cash out value for medical expenses incurred by my wife's stroke and our house payment stayed within $5.00 of the previous amount. Both staff personnel were an absolute pleasure to deal with
WIFE: A young lady helped us out every step of the way in the refinancing process along with her boss. Both of them were so nice and explained things I didn't understand to me. I had a major stroke in June 2008 and my brain get things jumbled up. Both boss and staff were wonderful explaining things to me over and over again. I would recommend them to all my relatives and friends, anyone who needed to refinance. USAVA Lending is a company that I had never dealt with before, but after getting our refinance done on our house and completed in about 45 days my husband and I are a true believer in their company.


Glen & Marlene K.

USAVA Lending refinanced my VA loan. I received exceptional service from staff and they more than met my expectations. The whole process didn’t take very long and USAVA Lending was very thorough. I would recommend them to others because they did such a great job. I give USAVA Lending 5 Stars!


Michael 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.