Purchase · Refinance
VA Loans
VA loans are made by private lenders and guaranteed by the U.S. Department of Veterans Affairs. Benefits may be available to eligible service members, veterans and surviving spouses.
Your secure application is with Cornerstone First Mortgage, LLC (NMLS #173855). Starting an application is not a loan approval or a commitment to lend.
How Daniel explains it
Daniel treats the VA benefit as something you earned, so he wants you to understand all of it, not just the headline.
That includes how entitlement works, what the VA funding fee is and when it may be waived, and how the VA streamline refinance can fit later. If you've used the benefit before, you may be able to use it again.
How a VA loan works
- The loan is made by a private lender and partly guaranteed by the VA.
- Low down payment options may be available for eligible borrowers.
- VA loans do not require monthly private mortgage insurance. A VA funding fee typically applies unless you're exempt.
- Fixed-rate and adjustable-rate options may be available, including higher loan amounts for eligible borrowers.
- A VA streamline refinance (IRRRL) may be available to eligible borrowers with an existing VA loan.
When a VA loan may fit
- You're an eligible service member, veteran, or surviving spouse.
- You're buying or refinancing a primary residence.
- You've used your VA benefit before and want to know whether you can use it again.
What to know about a VA loan
- You'll need a Certificate of Eligibility. Daniel's team can help request it.
- Eligibility, property, and credit requirements apply.
- The VA funding fee varies by situation and may be financed into the loan.
Straight answers
VA Loans questions, answered
Can I use my VA loan benefit more than once?
Often, yes. VA entitlement can be restored or used again in many situations. Daniel will review your Certificate of Eligibility and explain what's available to you.
Is the VA the lender?
No. VA loans are made by private lenders such as Cornerstone First Mortgage and guaranteed by the Department of Veterans Affairs.
VA loan benefits may be available to eligible service members, veterans, and surviving spouses. Eligibility, property, and credit requirements apply. VA loans are made by private lenders and guaranteed by the Department of Veterans Affairs. Not affiliated with or acting on behalf of HUD/FHA, VA, USDA, or the federal government. Program availability and eligibility requirements apply.
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How it worksReady when you are
Your mortgage starts here.
Ready to take the next step? Start your secure application. Not sure which program fits? Contact Daniel's team and he'll walk through your options in plain English.
Your secure application is with Cornerstone First Mortgage, LLC (NMLS #173855). Starting an application is not a loan approval or a commitment to lend.