We are an Approved VA Lender, but we not affiliated or endorsed by the Department of Veterans Affairs or any government agency.
We help you own a home
VA Guaranteed Loans are only available to those that serve Our Country

You’ve Earned it !
VA Guaranteed Loans are only for those that serve Our Country

You’ve Earned it !
VA Guaranteed
Home Loans
A Great Way to Buy
Your Dream Home
  •  ZERO Down Payment
  •  100% Financing Available 
  •  Low Rates = Affordable Payments
  •  Credit Scores As Low As a 580 Fico
  •  You can Use Them More Than Once
Find Out in 3 Super Easy Steps
✅ How Much You Can Get With VA Financing
✅ How Low Your Monthly Payment Can Be 
✅ How Fast You Can Have Your Dream Home

VA Guaranteed
Home Loans
A Great Way to Buy
Your Dream Home
  •  ZERO Down Payment
  •  100% Financing Available 
  •  Low Rates = Affordable Payments
  •  Credit Scores As Low As a 580 Fico
  •  You can Use Them More Than Once
Find Out in 3 Super Easy Steps
✅ How Much You Can Get With VA Financing
✅ How Low Your Monthly Payment Can Be 
✅ How Fast You Can Have Your Dream Home

SUCCESS STORY #183
I never knew that it could be this fast and this easy. This whole process was awesome, we had help the entire time and always knew what was happening. Thank you Ryan! "
-Kris C, Arizona
SUCCESS STORY #183
I never knew that it could be this fast and this easy. This whole process was awesome, we had help the entire time and always knew what was happening. Thank you Ryan! "
-Kris C, Arizona
You've got questions and we've got the answers
VA Loan Frequently Asked Questions
What is a VA loan?
A VA loan is a home loan that is guaranteed (not offered) by the Veterans Administration. The VA guarantees a portion of the loan amount to the lender in case of default to lessen the risk and enable them to offer veterans more favorable loan terms than they could otherwise qualify for. VA loans are only available through VA-approved lenders. Because of the VA guarantee, VA loans do not require a down payment or mortgage insurance.
Who is eligible for a VA loan?
Most current or former members of the full-time military are eligible for the VA loan program. There are time-served requirements, but they are relatively short and vary depending on the years during which the veteran served. Those who are currently serving or retired from the National Guard or Selected Reserves are generally eligible for the program after 6 years of service (sooner if deployed). Surviving spouses of veterans who died during service or from a service-connected disability are also eligible for the VA loan program.
What can you use a VA loan for?
VA loans can only be used to purchase a property which the borrower intends to occupy as his or her primary residence. A multi-unit building can be purchased with a VA loan as long as the borrower intends to occupy one of the units. There are restrictions on some properties
How much can I borrow with a VA loan?
The VA loan program often has Maximum County Limits, however loans are also available above these limits. The maximum loan amount is also set by the reasonable value of the property shown on the Notice of Value (NOV) provided by the official VA appraisal. Credit, Income and other Financial information will also determine a maximum qualifying loan amount.
Is it true that a down payment is not required?
Generally speaking down payments are not required on VA Loans. The exception would be if the loan exceeded the county limit, then the difference would need to be applied. 
Are there costs when using a VA loan?
Yes. The VA specifies which charges the veteran is allowed to pay for and which are the responsibility of the lender or the seller.Those payable by the veteran are limited by regulation to a specific list of items plus a one percent flat charge by the lender.  **Any other party, including the seller, can pay any costs on behalf of the veteran
What is a VA Funding fee?
The VA is charging this funding fee on a VA loan in order to have funds available should they need to step in and assist the lender in cases where the Veteran is in a loan default. The funding fee gives the VA funds that in turn allow them to make their guarantee. Funding fees vary based on many factors, here are a few- how many times the VA loan has been used, if additional funds are being put down and if the veteran has service related disabilities. 
How many times can I use a VA loan to purchase a home?
As many times as you’d like, however you are limited by the occupancy requirement that states - The borrower must occupy the property being purchased as their primary residence. Because it is impossible to have more than one primary residence at the same time, you're limited to one new VA home loan at a time. 

What many people fail to realize is that you may have more than one VA loan at the same time. Here's an example: Let's say you purchased a 2 bedroom home using a VA Guaranteed Loan, then your family outgrows it and you need a 3 bedroom home. You VA "Entitlement" determines how much you can borrow, so if there is enough Entitlement left you could buy a 3 bedroom home using a 2nd VA Loan and rent out your current 2 bedroom. The 3 bedroom home is now your Primary Residence.
VA Guaranteed
Home Loans
  •  ZERO Down Payment
  •  100% Financing Available 
  •  Low Rates = Affordable Payments
  •  Credit Scores As Low As a 580 Fico
  •  You can Use Them More Than Once
VA Guaranteed
Home Loans
A Great Way to Buy
Your Dream Home
  •  ZERO Down Payment
  •  100% Financing Available 
  •  Low Rates = Affordable Payments
  •  Credit Scores As Low As a 580 Fico
  •  You can Use Them More Than Once
Find Out in 3 Super Easy Steps
✅ How Much You Can Get With VA Financing
✅ How Low Your Monthly Payment Can Be 
✅ How Fast You Can Have Your Dream Home

97% of our clients ACHIEVE home ownership
80% of our clients find their home in just 17 days
$5,700 is the average amount saved by our clients
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This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Other limitations may apply.
AmRes Corporation, DBA: American Residential Lending ™ 2019 : 1 Neshaminy Interplex Drive Suite 310 - Trevose, Pennsylvania 19053
Company NMLS: 1359704      Ryan Mihld NMLS#1492562 - CA DRE 01501609