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!

I contacted USAVA to help me with refinancing. USAVA Lending provided all information on policies. I dealt with a young lady who provided exceptional service. She was great to work with!! I would definitely recommend USAVA Lending!


Julie F.

USAVA Lending were wonderful and very prompt. The Loan Originator did a very good job and he was very alert. He explained everything. He called all of the time to answer my questions. I would definitely recommend USAVA Lending. I got a mailer from them. My loan closed on time and I am happy.


Delores S.

They helped me with the refinancing of my home, we just closed on Monday October 22 2018. Everything was outstanding from start to finish. They are very detailed, compassionate, and explained the whole process patiently. They walked me through it daily for about 3 weeks and followed up with me after. The service is outstanding! Their professionalism is great. Answered all my questions and made me feel comfortable at all times. Everything was handled in a timely fashion. I dealt with about 6 different people and they were all on the same page, they are very synchronized. I have already recommended them to couple of people at my church and will continue to do so.


Roberto L.

I was extremely satisfied with the customer service that I received. It was fast and friendly. Everything progressed quickly and all of my questions were answered with clear answers. The entire process was seem less and convenient. I was able to communicate via email if need be, or able to call and have questions answered just as easily. I was in a unique situation as I was going to be away for training during closing but every accommodation was made to ensure that we were still able to close in the day we had planned. I enjoyed working with Alex who always followed through in a timely manner. I would highly recommend USA home loans and plan on doing so in the future.


Priscilla L.

All the staff at USAVA Lending are cordial and respectful. The loan originator was very good because he was organized and knows how to deal with people like me. He called me every time I had a question and he even gave me his cell number. He answers every time I call and in the right way. He calls me with any updates and answers all of my questions. I did not have to follow up with him, he would follow up with me. I told him when the processing was about to end, I like the way he does business and I would recommend him to a lot of my military friends and family. Although I have not met him in person, he sounds like a good family man. I trusted what he told me over the phone and it worked out!


Carlito and Carmen A.

USAVA Lending were just fine. I had no problem with them. The fellow that handles everything was polite and accommodating. He went over everything. The loan just closed and he called me and is going to bring some paperwork. He has been very, very good. It means a lot to me how very personable they are. When you deal with banks they are usually impersonal. So that it is very important to me. I would recommend using them. I found out about their services from a mailer.


Jeanne G

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.

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.