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Our VA Division

VA Lending Group

VA purchase, IRRRL, and cash-out for eligible Veterans, service members, and surviving spouses.

VA Lending Group is the VA division of USA Mortgage Group. The work is VA purchase loans, IRRRL refinances, and VA cash-out. We are not affiliated with the Department of Veterans Affairs.

VA purchase

$0 down for eligible buyers, funding fee, COE, and occupancy.

VA IRRRL

Streamline refinance. Net tangible benefit. Seasoning near 210 days and six payments.

VA cash-out

Equity out, up to lender guidelines, often 90–100% of value.

Entitlement

Full entitlement has no VA loan limit. Partial entitlement is a different math.

First VA home

COE, funding fee, and what to expect the first time you use the benefit.

Texas VA

DFW purchases, and a note on disabled-veteran property tax exemptions.

Sales price

Mortgage insurance: —

Buydown

Est. Closing Costs:

$5,000

1% of the loan amount, up to $6,000.

Additional Costs:

$0

Buydown and discount points cost.

Optional. A buydown lowers your rate for the first 1 to 3 years, then it returns to the estimated base rate.

Points

*Points lower your rate for the whole loan term.

The rate is illustrative. It is not today’s rate. A loan officer gives the exact rate and payment.

Estimated monthly

—

Enter a down payment to see your payment.

Estimates only, not a loan quote. This is an estimate for illustration only, not a quote, rate lock, or loan approval. Rates and terms depend on your full application.

Turn this estimate into a real pre-approval

From Veterans who wrote it down

“I’m very appreciative of you and your crew to make the transition/transaction of my VA loan/refinance very satisfying and yet so easy.”
Gerardo Ayala
“USA Mortgage Group is truly a veteran friendly company.”
Rick Ford

These are client comments, not a rate claim.

Questions

Straight answers

Who is eligible?

Veterans, active-duty service members, certain National Guard and Reserve members, and some surviving spouses. The Certificate of Eligibility is the document that settles it.

How do I get my COE?

Often through the lender, VA.gov, or eBenefits, using your DD-214 or a statement of service. We can request it during pre-approval.

What is the VA funding fee, and who is exempt?

It is a one-time fee that keeps the program running. A common first-use fee with $0 down is 2.15%, and it changes with down payment and whether you have used VA before. Veterans receiving VA disability compensation are often exempt, as are some surviving spouses. Your COE shows whether the fee is waived.

Can I use a VA loan twice?

Yes. Entitlement can be restored after the prior loan is paid off, and partial entitlement can sometimes support a second VA loan. The COE shows what is left.

Is there a VA loan limit?

Not for borrowers with full entitlement, since 2020. Lenders still have overlays. Partial entitlement can bring the county conforming limit back into the math.

Can I buy with $0 down?

Eligible buyers with enough entitlement and a property that appraises can finance 100% of the value. Closing costs are separate. You still need to occupy the home.

What credit score do you need?

VA itself does not publish a minimum score. Lenders set their own minimums, so we review your full credit report and talk through your options. No score is a promise of approval.

Can a VA loan be used for a second home?

No. VA loans are for a primary residence. You generally need to intend to occupy within about 60 days.

How does IRRRL work?

It refinances an existing VA loan with less paperwork. You usually need about 210 days in the loan and six payments made, plus a net tangible benefit. See the IRRRL page.

Is VA mortgage insurance required?

No monthly mortgage insurance. The funding fee, unless you are exempt, takes its place and can be financed.

Reviewed by Patrick Crawford, NMLS #231625 · Last updated October 28, 2026

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