VA Home Loans in Phoenix AZ$0 Down for Veterans and Active Military
If you've served, the VA home loan is one of the best mortgages on the planet. Zero down payment, no monthly mortgage insurance, and rates usually lower than conventional. I'll walk you through the VA process and make sure you get every benefit you've earned.
- 10+ Years Experience
- License NMLS# 1455718
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
When You Need VA Home Loans
A VA loan is the right call for any qualifying veteran, active-duty service member, reservist, or surviving spouse. Use it for your first home, your second home if you've already used the benefit before, or even an investment-style multi-unit property where you live in one unit. The VA benefit is one-time-use per home but reusable across multiple homes over your lifetime. If you're VA-eligible, you almost always come out ahead with a VA loan over an FHA or conventional one.
Our VA Home Loans Process
Here's how we close your VA loan. Call or text me and we'll go through your VA eligibility and your goals. I'll help you pull your Certificate of Eligibility if you don't already have it. Then I pull a soft credit check, quote you the best VA rate I can find, and send a pre-approval letter the same day. Once you're under contract, the VA appraisal gets ordered. Most VA loans close in 25 to 35 days because of the VA-specific appraisal step, but my process keeps everything moving.
VA Home Loans Cost in Phoenix
VA loans don't require a down payment and don't have monthly mortgage insurance. There's a one-time VA funding fee that can usually be rolled into the loan. Rates are typically lower than conventional. I shop dozens of VA-approved lenders to find the lowest rate for your scenario. You'll see every fee in writing before closing.
Why Choose Us
I've closed VA loans for active-duty members at Luke AFB and Davis-Monthan, plus veterans across the Valley. Ten years in the business, 50-plus five-star reviews, and direct relationships with VA-friendly lenders. Same-day response on every call and text. Thank you for your service — I'll make sure you get every benefit available.
Ready to Get Started?
Veteran or active duty? Call or text Mark at (480) 690-9790 for a free VA loan quote today.
For more loan programs, see all of our Mortgage Lender services in Phoenix.
Reviewed by
Mark Fazio — Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.