VA loans

Your Next Mission: Homeownership

You’ve served with honor. Now it’s our duty to help you unlock the full power of your VA loan benefits — from $0 down payments to exclusive veteran savings.

What Is a VA Loan?

A VA loan is a mortgage benefit backed by the U.S. Department of Veterans Affairs, designed to make homeownership more accessible for veterans, active-duty service members, and eligible surviving spouses.
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Here’s the key: the VA doesn’t lend money directly. Instead, it guarantees part of the loan, which allows lenders like us to offer better terms, lower costs, and benefits you won’t find with conventional financing.
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If you’ve served, you’ve earned it. And we’re here to help you use it.

how it works

Step 1

Confirm Eligibility

We’ll help you secure your COE and verify your service history.

Step 2

Define Your Goal

Purchase, refinance, cash-out — we’ll match your benefits to your needs.

Step 3

Apply with Confidence

Our team runs the numbers, explains your options side by side, and answers every question in plain English.

Apply now

Step 4

Appraisal & Underwriting

We handle the paperwork and VA-required steps while keeping you updated at every turn.

Start The Process

Step 5

Closing

Keys in hand, loan refinanced, equity accessed — you focus on what’s next.

Apply now

Who’s Eligible?

You may qualify for a VA loan if you are:

An active-duty service member
A veteran with an honorable or qualifying discharge
Current or former member of the National Guard or Reserves (with sufficient service)
An eligible surviving spouse of a service member

Apply now

How Eligibility Is Confirmed

You’ll need a Certificate of Eligibility (COE). Don’t worry — we’ll help you get it quickly.
Basic credit, income, and debt-to-income guidelines apply, but VA standards are often more flexible than conventional loans.

GET A SAME DAY APPROVAL

Waiting days to hear back isn’t our style. With New Era, you’ll know exactly what you can afford in under half an hour.

Get Approved

Types of VA Loans We Offer

Pick your path and we’ll guide you every step of the way

See If You Qualify

VA Purchase Loan

VA Purchase Loan: Buy a home with no down payment and no PMI.

VA IRRRL

Lower your rate or payment with minimal paperwork.

VA Cash-Out Refinance

Tap into your home’s equity — up to 100% — for debt consolidation, education, or major life goals.

VA One-Time Close Construction Loan

Build your home with VA benefits from the ground up.

WHY VETERANS CHOOSE
VA LOANS

Behind every refinance is a story of possibility. It’s not about paperwork, it’s about what your money can do for you.

Ask an Expert

Resource Center

$0 Down Payment: Buy a home without saving for years.
No Private Mortgage Insurance (PMI): Keep more money in your pocket each month.
Competitive Interest Rates: Lower rates than many conventional options.
Flexible Credit & Income Standards: More forgiving than traditional loans.
Limits on Closing Costs: No surprise fees waiting at the table.
Funding Fee Waivers: Veterans with service-connected disabilities are often exempt.
Lifetime Benefit: Use it again and again — not just once.
Special Perks: Property tax exemptions in many states, cash-out refinance up to 100% of equity.

Tools & Education