About Us


This program does not have a minimum credit score requirement. 
We work with veterans just like you that want to buy a home. We will help you WIN in this CRAZY market! We will fight for you.

This is an income-based home loan program that uses your current income and the last 12 months of credit history to determine your eligibility. No more worrying about your score going up and down each month while you are wanting to purchase a home. 

Our lender has helped many veterans that have been turned down for financing. Let us guide you on the path to homeownership! You served for us, let us serve you.  Your Dreams are our mission.

This is NOT a credit repair program!

Let Us Call You!

To help you choose your property

You served us, now let us serve you!

Your dreams are our mission

VA Home Buyers: Assisting Veterans to Own Homes

The VA is a United States government organization that helps veterans after they exit the military. Specifically, this company helps veterans find money

One of the largest financial decisions most individuals will ever make is purchasing a home. Veterans may experience extra challenges in the process due to their particular concerns. VA Home Buyers Program can help in this situation. Our staff of skilled real estate professionals is committed to assisting Veterans in realizing their dream of house ownership and specializes in VA house Loans and Grants.

We are a Realtor and lender team that can help you in every step of the home-buying process

  • Pre-approval
  • House Hunting
  • Making Offers
  • Inspections
  • Appraisals
  • Closing

VA Loans and Grants

Veterans may utilize VA home loans to build, buy, or renovate a home. These loans have a number of advantages, such as low-interest rates, no need for private mortgage insurance (PMI), and no down payment requirements. Active duty service members, Veterans, and qualified surviving spouses are eligible for VA home loans.

Single-family homes, townhouses, and condominiums are just a few of the numerous types of residences that can be bought with a VA home loan. Additionally, the loans can be utilized to make home upgrades or refinance an existing mortgage.

In addition to VA Home Loans, a number of grants are offered to Veterans to assist with the expense of purchasing or remodeling a home. These grants include the Home Improvements and Structural Alterations (HISA), Specially Adapted Housing (SAH), and Special Housing Adaptation (SHA) grants. Contact VA Home Buyers Program today to learn more!

VA Home Loan Service Experts

We at VA Home Buyers Program provide a range of services to assist Veterans in realizing their aspiration of home ownership. Finding the ideal house, obtaining financing, and finalizing the deal are all things our team of skilled real estate professionals can assist you with.

Our Services Include:

Property Search: We can assist you in finding the ideal property that satisfies both your demands and your budget. We’ll work with you to comprehend your needs and preferences before giving you a list of properties that fit your specifications.

Finances: We can assist you in obtaining finance for the purchase of a home, including VA Home Loans and other available financing methods.

Negotiation: In order to get the best price for your new house, our team of experienced negotiators will engage with the seller.

Closing Cost Assistance: To make sure everything goes without a hitch, we’ll walk you through the closure procedure.

We help serve Veterans in several states, including TX, CA, KS, MO, AL, AR, CO, FL, GA, IL, IN, KY, LA, MI, MS, NE, NC, SC, OK, PA, SD, TN, and WA.


As a business owner, I take any accusations of scams very seriously. I can assure you that our VA Home Buyers Program is a legitimate and trustworthy option for eligible veterans, active-duty service members, and surviving spouses who want to achieve the dream of homeownership. We are a licensed lender and realtor, we follow all state and federal laws and regulations. We have helped many families purchase their dream homes through our program and have received numerous positive testimonials from satisfied clients. If you have any specific concerns or questions about our program, please do not hesitate to reach out to us and we will be happy to address them.     OR reply with this graphic

For service members

If you’ve served for at least 90 continuous days (all at once, without a break in service), you meet the minimum active-duty service requirement.

For Veterans

You meet the minimum active-duty service requirement if you served for: 

  • At least 24 continuous months, or
  • The full period (at least 90 days) for which you were called or ordered to active duty, or
  • At least 90 days if you were discharged for hardship, a reduction in force, or
  • Less than 90 days if you were discharged for a service-connected disability

You may still be able to get a COE if you were discharged for one of the reasons listed here.

You must have been discharged for one of these reasons:

  • Hardship, or
  • The convenience of the government (you must have served at least 20 months of a 2-year enlistment), or
  • Early out (you must have served 21 months of a 2-year enlistment), or 
  • Reduction in force, or
  • Certain medical conditions, or
  • A service-connected disability (a disability related to your military service)

You may be eligible for a VA-backed purchase loan if you meet all of these requirements.

All of these must be true:

  • You qualify for a VA-backed home loan Certificate of Eligibility (COE), and
  • You meet our—and your lender’s—standards for credit, income, and any other requirements, and
  • You will live in the home you’re buying with the loan
  • No down payment as long as the sales price isn’t higher than the home’s appraised value (the value set for the home after an expert reviews the property)
  • Better terms and interest rates than other loans from private banks, mortgage companies, or credit unions (also called lenders)
  • The ability to borrow up to the Fannie Mae/Freddie Mac conforming loan limit on a no-down-payment loan in most areas—and more in some high-cost counties. You can borrow more than this amount if you want to make a down payment.
    Learn about VA home loan limits
  • No need for private mortgage insurance (PMI) or mortgage insurance premiums (MIP)
    • PMI is a type of insurance that protects the lender if you end up not being able to pay your mortgage. It’s usually required on conventional loans if you make a down payment of less than 20% of the total mortgage amount.
    • MIP is what the Federal Housing Administration (FHA) requires you to pay to self-insure an FHA loan against future loss.
  • Fewer closing costs, which may be paid by the seller

No penalty fee if you pay the loan off early

  • Buy a single-family home, up to 4 units
  • Buy a condo in a VA-approved project
  • Buy a home and improve it
  • Buy a manufactured home or lot
  • Build a new home

If you’re using a VA home loan to buy, build, improve, or repair a home or to refinance a mortgage, you’ll need to pay the VA funding fee unless you meet certain requirements.

You won’t have to pay a VA funding fee if any of the below descriptions is true. You’re:

  • Receiving VA compensation for a service-connected disability, or
  • Eligible to receive VA compensation for a service-connected disability, but you’re receiving retirement or active-duty pay instead, or
  • The surviving spouse of a Veteran who died in service or from a service-connected disability, or who was totally disabled, and you’re receiving Dependency and Indemnity Compensation (DIC), or
  • A service member with a proposed or memorandum rating, before the loan closing date, saying you’re eligible to get compensation because of a pre-discharge claim, or
  • A service member on active duty who before or on the loan closing date provides evidence of having received the Purple Heart

You may be eligible for a refund of the VA funding fee if you’re later awarded VA compensation for a service-connected disability. The effective date of your VA compensation must be retroactive to before the date of your loan closing. 

​​You’ll pay this fee when you close your VA-backed or VA-direct home loan.

You can pay the VA funding fee in either of these ways:

  • Include the funding fee in your loan and pay it off over time (called financing), or
  • Pay the full fee all at once at closing

 The VA does not have a minimum credit score requirement, but almost all banks and lenders have an overlay. That requires a certain credit score but our lender does not have an overlay, so they do not have a minimum credit score requirement. You’re required to have the income to support a house payment and a mostly clean last 12 months of credit history.

Clean last year means no evictions, repossessed vehicles, or defaults.

The Department of Veterans Affairs (VA) does not require a down payment for VA home loans. The down payment requirements for VA home loans vary depending on the lender. However, most lenders do not require a downpayment for a VA home loan, including myself with our VA Home Buyers Program.

If you want to build a custom house with VA home loans, you need a 5-10% downpayment. If you want to buy a house that’s newly constructed then you can use a VA loan with zero down. No builder will start to build a house with zero money down. It’s too risky. I do help my military families buy houses that have just been built all the time.

As long as you’ve made 12 monthly payments on time in chapter 13, then you can buy a house. Many people are not aware that you can get a VA home loan while in chapter 13 bankruptcy. In fact, the VA home loan program is one of the few programs that will still approve your loan application even if you are currently in bankruptcy. The process of getting a VA home loan in chapter 13 is a bit different from the process for getting a loan when you are not in bankruptcy. The first step is to get your bankruptcy trustee to approve the loan. This can be done by providing the trustee with a copy of your loan application and explaining why you need the loan. Once the trustee approves the loan, you will need to work with a VA-approved lender such as myself.

You must wait 24 months from the discharge date of your Chapter 7 to qualify for a VA home loan.

We don’t have a physical location in all states but our Realtors can meet with you at their office to discuss finding a home.

This just means that you have not had more than a few late payments, defaults, or evictions.

No repossessions or evictions in the last 12 months.

The process of buying a home with
VA benefits

Determine if you are eligible for VA benefits. You may be eligible if you are a veteran, active-duty service member, or military spouse.

Speak with our VA Specialist Loan officers about your situation to discuss eligibility.

Get pre-approved for a loan. This step is important so that you know how much home you can afford.

We have a large network of Realtors that specialize in VA loans that can use their highly refined tools to help find the perfect home for you.

Make an offer on a home and negotiate the purchase price. Assist with inspections, appraisals, and closing.

Get final loan approval. The lender will work with the VA to get your loan approved.

Close on the home.

Move into your new home!

Why choose VA Home Buyers Program?

Selecting the best real estate agent is crucial, particularly when purchasing a house. Veterans select VA Home Buyers for the following reasons, to name a few:

Expertise: Our staff of knowledgeable real estate brokers has specific expertise in VA Home Loans and Grants, and we are well aware of the distinct difficulties that Veterans encounter when attempting to purchase a home.

Services tailored for Veterans: We adopt a tailored approach to service by getting to know our client’s individual needs and objectives.

Outstanding Customer Support: We offer outstanding customer support to make sure that our clients are comfortable and educated at every turn. Our services are accessible to Veterans in a number of states, making it simpler for them to get the assistance they require.

Veterans deserve commitment: We are dedicated to assisting Veterans in ways that go beyond merely offering real estate services. Every Veteran should, in our opinion, have a place they can call home, so we are committed to helping them accomplish this goal.

If you are looking to buy a home, message us now!

Let’s Connect!

We would love to hear your feedback or answer any questions you may have.