Home Loans
VA Loans
You served. You earned this benefit. A VA loan lets you buy a home with no down payment, no PMI, and some of the most competitive rates available anywhere. We help veterans, active-duty service members, and surviving spouses use what they earned.
0%
Down Payment Required
No PMI
Ever
Reusable
Use It Again
What Is a VA Loan?
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs. It was created to help those who served buy homes without the financial barriers that stop most buyers — like saving up a 20% down payment or paying for private mortgage insurance every month.
The VA does not issue the loan directly. Instead, they guarantee a portion of it, which allows lenders like Valor Home Loans to offer better terms than you would typically find on a conventional mortgage. That guarantee is the reason you can buy a home with nothing down and no PMI.
Earned through service
The VA loan benefit exists because of your service. It was designed specifically to remove the financial barriers that keep most buyers on the sidelines, starting with the down payment.
How it works
The VA guarantees a portion of your loan, which allows lenders to offer nothing down, no PMI, and better rates than you would find on a conventional mortgage.
Ready to Get Started?
Let's Talk About Your VA Loan
No pressure, no runaround. Just a straight conversation about what you qualify for and what your next step looks like.
Key Benefits
No Down Payment
Buy with 0% down. Keep your savings where they belong and stop renting sooner.
No PMI. Ever.
No private mortgage insurance -- period. That saves most buyers $100 to $300 every single month.
Competitive Rates
VA loans typically carry lower interest rates than comparable conventional loans. The guarantee works in your favor.
Reusable Benefit
Your VA entitlement does not expire and can be used more than once. Buy, sell, and use it again.
Who Qualifies?
VA loans are available to veterans, active-duty service members, National Guard and Reserve members, and surviving spouses of service members who died in the line of duty or from a service-connected disability.
General service requirements include:
- 90 consecutive days of active service during wartime
- 181 days of active service during peacetime
- 6 years of service in the National Guard or Reserves
- Discharge under conditions other than dishonorable
Not sure if you qualify? We will figure it out with you — no guesswork, no runaround.
Good to Know
Surviving spouses of veterans who died in service or from a service-connected disability may also be eligible for VA loan benefits.
Your eligibility does not expire. Even if you served decades ago, your benefit is still there waiting for you.
Colorado Springs is military country.
Between Fort Carson, Peterson Space Force Base, Schriever, and the Air Force Academy, we have helped hundreds of Colorado Springs veterans and military families navigate VA financing. We know the process, the paperwork, and what it takes to close on time.
How the Process Works
Get Your Certificate of Eligibility
We can pull your COE directly in most cases. You usually do not need to track it down yourself.
Get Pre-Approved
We review your income, credit, and entitlement and give you a real pre-approval -- not a ballpark guess.
Find Your Home
Shop with confidence. Your pre-approval letter carries real weight with sellers in a competitive market.
VA Appraisal and Underwriting
The VA requires its own appraisal to confirm the home meets minimum property requirements. We guide you through every step.
Close and Move In
We keep the timeline tight and the communication clear so there are no surprises at the closing table.
Typical Timeline
30-45
Days to Close
Similar to a conventional loan. The VA appraisal can add a little time, but with an experienced team on your side we keep things moving.
Why It Matters
We Handle the Heavy Lifting
VA loans have more moving parts than conventional financing. Between the COE, the VA appraisal, and the funding fee, there is a lot to manage. Todd and Aaron have done this hundreds of times and know exactly where things can slow down and how to keep them on track.
Common Questions
Can I use my VA loan benefit more than once?
Yes. Your VA entitlement is reusable. Once you sell your home and pay off the VA loan, your full entitlement is restored. In some cases, you can even have two VA loans at the same time if you have remaining entitlement.
Is there a VA loan limit?
For eligible veterans with full entitlement, there is no VA loan limit. The VA removed county loan limits in 2020. You can borrow as much as a lender is willing to approve based on your income and credit profile.
What is the VA funding fee and do I have to pay it?
The VA funding fee is a one-time fee that helps sustain the program for future veterans. It ranges from 1.25% to 3.3% of the loan amount depending on your situation and can be rolled into the loan. Veterans with a service-connected disability rating are typically exempt from this fee.
Can I use a VA loan to buy a multi-family property?
Yes, up to a four-unit property, as long as you occupy one of the units as your primary residence. It is one of the best ways to start building rental income with zero down.
How long does it take to close a VA loan?
Typically 30 to 45 days, similar to a conventional loan. The VA appraisal can add a little time, but with an experienced team managing the process, we keep things moving on schedule.
Still Have Questions?
Just Ask. We Pick Up the Phone.
No automated phone trees, no waiting on hold. You get Todd or Aaron directly.
Call Todd: (719) 482-5359 Call Aaron: (404) 455-5710Your VA Benefit Is Waiting. Let's Use It.
Todd and Aaron know VA loans inside and out. Get a straight answer about what you qualify for. No obligation, no sales pitch.