Unlock The Power of a VA Home Loan Mortgage

A VA home loan is an attractive option for many homebuyers because of its low interest rates and no down payment requirement. This loan program, designed to provide housing and assistance to veterans and their families, is available in all 50 states. It offers a range of benefits that can help make buying a home more affordable. In this blog post, we will explore the basics of VA home loans, who qualifies for them, and what kind of homes you can buy with one.

What Are VA Home Loans?

A VA home loan is a mortgage that is guaranteed by the U.S. Department of Veterans Affairs (VA). It is available to eligible veterans, active-duty service members, reservists, National Guard members, and surviving spouses of deceased veterans who have not remarried. The purpose of the loan program is to help veterans purchase homes without having to make a down payment or pay private mortgage insurance (PMI). The lender agrees to provide a loan at an interest rate that may be lower than the market rate. In addition, closing costs may be reduced or waived altogether if certain conditions are met.

The VA guarantees part of the loan against potential losses incurred by the lender in case you default on your payments. As such, lenders may offer more favorable terms than those given on conventional mortgages since they have less risk involved with approving your application for a VA loan.

Who Qualifies for a VA Home Loan?

In order to qualify for a VA home loan, applicants must meet certain criteria established by the Department of Veterans Affairs. These include having served at least 90 days during wartime (or 181 days during peacetime) in active duty; two years in the Selected Reserve or National Guard; or six years as an officer in any branch of service or combination thereof. Additionally, applicants must also demonstrate financial need and creditworthiness before being accepted into the program.

What Type of Home Can I Buy With a VA Loan?

The types of properties eligible under this program include single-family homes; townhomes; condominiums; manufactured homes; duplexes; triplexes; fourplexes; approved planned unit developments (PUDs); and other approved dwellings that meet certain standards set forth by the Department of Veterans Affairs (VA). There are some restrictions regarding these types of dwellings depending on location and size so it’s important to check with your lender prior to making any decisions about purchasing property with financing from this program.

Benefits of a VA Loan?

  • 100% Financing & No Down Payment Loans

  • No Private Mortgage (PMI)

  • No Penalties for Prepaying the Loan

  • Competitive Interest Rates

  • Qualification is Easier than a Conventional Loan

  • Sellers Pay Some of the Closing Costs

  • Can be combined with additional down payment assistance to reduce closing costs

How do I apply for a Guaranteed VA Loan?

You can apply for a VA Loan with any mortgage lender that participates in the program. In addition to the application requirements from your lender, you will need the following at application time:

VA home loans offer several advantages over conventional mortgages including lower interest rates and no down payment requirement—making them an attractive option for many home buyers who are eligible veterans or current military personnel. It’s important to note that there are some restrictions regarding which types of properties can be purchased with financing from this program so it’s best to check with your lender prior to making any decisions about purchasing property with a VA loan.


Vancouver and Portland trust Prism Lending Partners with their loan applications to get a competitive rate and have a great experience.  We actively work with you to ensure that you are able to purchase the house that you desire.


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When you need a local mortgage company to be with you during the process, call us.

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Meet The Team

Brian Spitulski
NMLS# 880824

Haley Dickerson
NMLS # 2319236


NMLS# 218326

NMLS# 1700043

Mark Villanueva

Home Buyer in Happy Valley

Brian helped my wife and I purchase our first home in Happy Valley. As first time homebuyers, there was a steep learning curve throughout the entire home buying process. Brian was very helpful and patient in explaining not only procedures involved with obtaining the mortgage, but also with anything other processes we had questions about. Brian even came to our escrow signing appointment to give the paperwork a final look. Brian still contacts us every few months to let us know how interest rates are looking and whether it would be beneficial to refinance. Big thumbs up to Brian and we'll definitely use him again when we're in the market for another property.

Sean Curringan

Vancouver Home Buyer

My wife and I have followed Brian from his previous company to him now at U-Mortgage. While his company has changed, his level of service has stayed light years ahead of the rest of the industry and for that, we’re very grateful! Buying a house is for most people, the largest purchase they will ever make, which can be a pretty scary situation. Brian goes above and beyond to ensure that the consumer knows exactly what is going on at all times. This can be as simple as explaining what certain fees are or possibly as complex as how best to boost a credit score. Whatever the case may be, Brian is amazing! I personally don’t know too many Mortgage Guys who go as far as making sure to be present at the final signings. Mr. Spitulski does this and much more. My wife and I plan on using Brian in the future and highly recommend anyone else going through the home purchase process to give Brian at least a shot, it’s well worth it!

R. Rogers


Put your trust into Brian! You can tell he is honest and truly cares about his customers. He worked hard to get us the best possible interest rate (and keep it despite closing taking longer than expected due to an issue the sellers of our new house needed to work out). He patiently worked with us over the course of two years while we paid off debts, saved, and followed his advice to increase our credit scores. Once we were ready to go and found our dream home, Brian got everything mortgage-related done lightening fast! The whole process was so quick, easy and smooth I couldn’t believe it!! He was always quick to answer our millions of questions (this is our first house) and clearly works long hours to make sure his people are completely taken care of. Our experience couldn’t have been better!