VA Home Loans Made Simple
Helping veterans, active-duty service members, and eligible spouses achieve homeownership with competitive rates and flexible qualifications. Click below to see if you pre-qualify to purchase or refinance.
Fast Pre-Qualification
0% Down for Eligible Veterans1
Explore options for lower credit2
*Subject to credit approval. Rates and terms vary by credit, income, loan amount, and property. Offers are from lenders in our network and may not include all institutions.
1Eligibility required. Closing costs and VA funding fee may apply
2Minimum credit score options not available for all borrowers; subject to lender requirements.
Not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
Why Choose VA Loans?
VA loans offer unique advantages designed specifically for those who have served our nation.
Streamline Refinance Options
Eligible VA loan holders can take advantage of the IRRRL program for quick, low-hassle refinancing to lower rates.
Flexible Credit Guidelines
Credit requirements may be more flexible than conventional loans, with consideration for unique circumstances faced by service members.
No Monthly PMI
VA loans typically don't require private mortgage insurance, potentially saving you hundreds per month compared to conventional loans.
Low or No Down Payment
Eligible borrowers may qualify for 0% down payment options, making homeownership more accessible to those who've served.
Smooth Process
A clear, VA-ready process with upfront guidance to keep your loan moving and reduce surprises.
Reusable Benefit
Your VA loan benefit can typically be used multiple times throughout your life, subject to entitlement availability and program guidelines.
Eligibility Requirements
VA loans are available to eligible veterans, service members, and surviving spouses.
Who It's For
Veterans with qualifying service periods
Active-duty service members
National Guard and Reserve members
Surviving spouses of deceased veterans
Basic Requirements
Certificate of Eligibility (COE)
Sufficient income to cover monthly mortgage payments
Satisfactory credit history
Property must meet VA minimum property requirements
*Quick pre-qualification — not a commitment to lend.
How It Works
Four simple steps from pre-qualification to closing. We make the VA loan process clear, fast, and straightforward.
Get Pre-Qualified
Complete a quick application to estimate your buying power and see what you may qualify for.
Find Your Home
Shop with confidence knowing your estimated budget and loan options.
Complete Underwriting
We'll verify your documents, finalize the loan, and order the VA appraisal (if required).
Close & Move In
Review and sign your final documents, then get the keys to your new home.
What Our Borrowers Say
Don't just take our word for it. Here's what past people have to say about their experience.
Tom
"Barrett Financial Group helped me find a great option for my VA loan... I highly recommend them for your home loan needs! Thanks BFG!"
Arvind
"Excellent Team, cares about getting the job done and keeping the borrower's best interests in mind. Great for Investors and Home-Buyers alike, and glad to have them as my go-to for mortgages."
Tim
"Barrett Financial group was able to expeditiously refinance my VA loan to lower my monthly payment and gave me an amazing deal with the closing costs. They were able to get the loan quickly handled and helped improve my monthly payment. Thank you."
Olga
"This was by far the best experience I have had with a lender! Quick, friendly, transparent and most of all very educated on the entire process and options one has. I will use them going forward for any purchases."
*Testimonials reflect individual experiences. Results vary and are not guaranteed.
Loan approval, rates, and terms depend on credit, income, property, and program guidelines.
Ready to Get Started?
Take the first step toward homeownership with a VA loan from Barrett Financial.
*Quick pre-qualification — not a commitment to lend.
Barrett Financial Group, L.L.C
NMLS #181106
2701 East Insight Way, Suite 150
Chandler, AZ 85286
Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AL 22977 | AK AK181106 | AZ 0904774 | AR 124815 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | CO | CT ML-181106 | DE 029971 | DC MLB181106 | FL MLD1880 | GA 181106 | HI 181106 | ID 2080181106 | IL MB.6761630 view reinvestment notice barrettfinancial.com/illinois-reinvestment | IN 181106 | IA 2021-0157 | KS MC.0025726 | KY MB757252 & MC763707 | LA | ME 181106 | MD 181106 | MA MC181106 & MC181106 | MI fl0022342 | MN MN-MO-181106 | MS 181106 | MO 181106 | MT 181106 | NE | NV 5091 | NH 24338-MBR | NJ | NM | NC B-203722 | ND MB103863 | OH RM.804600.000 | OK ML013880 | OR | PA 92105 | RI 20224347LB | SC MLS – 181106 | SD ML.05340 | TN 204577 | TX view complaint policy at barrettfinancial.com/texas-complaint | UT 11368611 | VT LL-181106 & MB-181106 | VA MC-7357 & MC-7357 | WA MB-181106 | WV MB-181106 & ML-181106 | WI 181106BA & 181106BR | WY 4211 | Disclosures: Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106 Barrett Financial Group, L.L.C. is not affiliated with or endorsed by any government entity or agency. By refinancing, finance charges may be higher over the life of the loan.
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