You served our country. Now let us serve you.

At New Era Lending, we believe every veteran deserves to make the most of the benefits they’ve earned. Whether you’re buying your first home, refinancing to save money, or tapping into your home’s equity, we’re here to guide you with honesty, clarity, and care.

THE BENEFITS YOU'VE EARNED

VA loans are one of the most powerful tools available to veterans—yet many veterans don’t use them to their full advantage. Not our clients.

How We Make It Simple

  • $0 Down for Purchases: Buy a home without saving for years.
  • No PMI: No extra insurance premiums eating into your budget.
  • Competitive Rates: Often lower than conventional loans.
  • 100% Cash-Out Options: Access the full value of the home you’ve worked hard for.
  • Streamlined Refinancing (IRRRL): Lower your payment or rate with minimal paperwork.
  • Property Tax & Disability Exemptions: Extra savings for qualifying veterans.
Explore Benefits
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WHO QUALIFIES

Most veterans, active-duty service members, and some surviving spouses are eligible. You may qualify if you:
Check My Eligibility
Served 6 years in the Reserves or National Guard
Served 181 days of active duty during peacetime
Served 90 consecutive days of active duty during wartime
Are the surviving spouse of a service member lost in service or to a service-related disability
Not sure where you stand?
We’ll help confirm your eligibility and secure your Certificate of Eligibility (COE)—the first step toward using your VA loan benefits.

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

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 Proccess
Step 5

Closing

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

KNOW YOUR BENEFITS. OWN YOUR FUTURE.

You’ve earned powerful home loan advantages — now it’s time to make the most of them. Explore short, straightforward videos from our VA experts designed to help you understand, plan, and take action with confidence.
Watch VA Videos
Watch & Learn:
How Much House Can You Afford? Find Out!
Your Best Down Payment Options in 2026
How to Get Pre-Approved in 2026
Tools & Education

VETERAN RESOURCES

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Our Commitment to Veterans

For us, this isn’t just business. It’s personal. Many of our team members are veterans themselves, and we take pride in supporting veteran communities through:
Ask an Expert
Hiring Initiatives
Building a team that includes those who served.
Veteran Perks
Reduced fees and tailored support.
Community Giving
Supporting veteran-focused organizations in Houston, Miami, Detroit and beyond.

YOU SERVED. NOW IT'S OUR TURN TO SERVE YOU.

At New Era Lending, our mission is to make sure you get every advantage available to you, with a process that’s clear, fast, and built around your goals.

Apply now