For Those Who Served
Your VA Benefit. Your Home.
You earned it. The VA home loan is one of the most powerful benefits available to veterans and active-duty service members — and VABUILDPRO is here to help you use it.
Start Your ApplicationWhat Makes a VA Loan Different?
The VA home loan program was created to help veterans, active-duty service members, and eligible surviving spouses achieve homeownership. Unlike conventional loans, VA loans are backed by the U.S. Department of Veterans Affairs — which means lenders can offer terms that simply aren't available anywhere else.
VABUILDPRO has helped many veterans navigate the VA loan process from start to finish. Whether you're buying your first home, upgrading, or building custom, we know exactly how to put your benefit to work.
The Advantages
Why VA Loans Stand Apart
No Down Payment Required
Qualified veterans can purchase a home with zero down — one of the only loan programs that allows this with no PMI.
No Private Mortgage Insurance
Unlike FHA and conventional loans, VA loans don't require PMI, saving you hundreds of dollars every month.
Competitive Interest Rates
VA loans consistently offer some of the lowest interest rates available, thanks to the government backing.
Reusable Benefit
Your VA loan benefit doesn't expire. You can use it multiple times throughout your life, even if you've used it before.
Flexible Credit Requirements
VA loans are more forgiving on credit scores than conventional loans, making homeownership accessible to more veterans.
Limited Closing Costs
The VA limits the fees lenders can charge, keeping your out-of-pocket costs at closing lower than other loan types.
Eligibility
Who Qualifies for a VA Loan?
Most veterans, active-duty service members, and surviving spouses are eligible. Here are the general service requirements:
Active Duty
90 consecutive days of active service during wartime, or 181 days during peacetime
Veterans
Served the minimum active-duty requirement based on when you served
National Guard & Reserves
6 years of service, or 90 days under Title 32 orders (at least 30 consecutive)
Surviving Spouses
Unremarried spouses of veterans who died in service or from a service-connected disability
Not sure if you qualify? Joey Hummel & VABUILDPRO will review your service history and Certificate of Eligibility at no cost.
The Process
How the VA Loan Process Works
Get Pre-Qualified
VABUILDPRO reviews your service history, income, and credit to determine your VA loan eligibility and purchasing power.
Obtain Your COE
Your Certificate of Eligibility confirms your VA benefit. VABUILDPRO handles this step for you — it's easier than you think.
Find Your Home
Shop with confidence knowing exactly what you can afford. VABUILDPRO works alongside your real estate agent throughout.
VA Appraisal & Underwriting
The VA requires a specific appraisal to ensure the home meets minimum property requirements. VABUILDPRO guides you through this.
Close & Move In
With VABUILDPRO's guidance, you'll close with confidence — understanding every document and every number before you sign.
Ready to Use Your VA Benefit?
Start your application online today — or reach out to VABUILDPRO directly with any questions about your eligibility.
Start Your VA Loan ApplicationQuestions about your eligibility? Contact VABUILDPRO directly.