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Elevate Mortgage

VA Loan · Your service earned it

VA Loan: You served the country. Your equity should serve you.

VA loans are one of the most powerful benefits available to eligible veterans, active-duty service members, and surviving spouses: $0 down on purchases, no monthly mortgage insurance, and cash-out refinancing up to 100% of your home’s value — a benefit only VA offers.

  • Cash-Out up to 100% LTV — Access more of your equity than any conventional cash-out allows — for debt payoff, renovations, family, or investing.
  • Zero Down Payment — Eligible veterans can purchase a home with no down payment.
  • No Monthly Mortgage Insurance — VA loans never require PMI, regardless of down payment.
  • IRRRL Streamline — No appraisal, no income docs, no minimum FICO — even on a former home you now rent out.

Or skip the form — call or text 949-868-2422

Find My LoanAbout 55 seconds left

60 seconds · no hard credit pull · never sold

Is this for your primary residence?

Cash-out requires owner occupancy — an IRRRL works on a former primary you now rent out

You’ll work directly with Anthony HuynhVice President · NMLS #1996696

Max cash-out LTV
100%
Monthly mortgage insurance
No PMI
Streamline refinance
IRRRL
Funding fee with VA disability
Waived

Program terms depend on credit profile, LTV, property type, occupancy, and loan specifics, and are subject to change. All loans subject to credit approval.

Fastest answer: call or text us — 949-868-2422 · no call center, no waiting

Run the Numbers

Run your VA numbers.

Enter your numbers for a quick estimate — then turn it into real numbers with the funnel or a call.

VA Loan Calculator

Veterans and service members: see what a VA cash-out could pay off, or what a VA purchase costs.

What are you doing?
Your home
$
$
Debts to pay off
$
$
$
$
$
$

Cash available at 100% LTV

$200,000

Total home equity$200,000
Total debts listed—
Debts your equity could pay off—
Monthly payments freed—
Cash left after payoff$200,000

Add your debts to see the payoff impact

Opens the 60-second options check with your numbers filled in — no hard credit pull.

VA loans require eligibility (Certificate of Eligibility). Funding fee shown for first-time and subsequent use per the current VA schedule; exempt with VA disability compensation.

Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.

Know Before You Apply

Can we fund your deal? Check before you apply.

The VA Loan guidelines, plainly stated. Requirements vary by lender and scenario — a quick call confirms yours.

VA Loan requirements

What you need

  • Eligibility: Eligible veteran, active-duty service member, or surviving spouse
  • Down Payment: None required
  • Cash-Out Max LTV: 100% (not available in Texas — IRRRL still allowed)
  • Funding Fee: Can be financed; waived for VA disability
  • Credit: Manual underwrite to 500 by exception
  • Payment History: No mortgage lates in the last 6 months
  • Certificate of Eligibility: Required — we handle the paperwork with you
  • Where we lend: Available for primary residences in 30 states — see every state

General guidelines only, not a commitment to lend. Gray-area scenario? Call or text 949-868-2422.

Reviews

5.0 from clients who closed with Anthony.

Read all 25 verified reviews →

  • 5 out of 5 stars

    “The process from start to finish was seamless. Though I had all the required documentation and qualifications, but Anthony was always communicating next steps.”
    Charles A · Philadelphia, PA · Aug 2026Verified client review

  • 5 out of 5 stars

    “Immediate assist with loan process, willing to help to close out the deal ASAP”
    Cuong L · Philadelphia, PA · May 2026Verified client review

  • 5 out of 5 stars

    “Anthony made all the difference. I say this because I originally spoke to someone else at West Capital who unfortunately didn't quite have the experience to get this deal done. Best HELOC options in the business.”
    Damian F · Hollywood, FL · Apr 2026Verified client review

FAQ

Frequently Asked Questions

Common questions about the VA Loan.

Who is eligible for a VA loan?

VA loans are available to veterans, active-duty service members, National Guard members, reservists (with qualifying service), and surviving spouses of service members who died in service or from a service-connected disability. A Certificate of Eligibility (COE) is required — we can help you obtain it.

Is there a down payment required for a VA loan?

No down payment is required for VA loans up to the conforming loan limit. For loan amounts above the limit, a small down payment based on the difference may apply if you have previously used your VA entitlement.

What is the VA funding fee?

The VA funding fee is a one-time fee paid to the VA: 2.15% on a first-use purchase with under 5% down, 3.3% on subsequent use, 1.5% with 5%+ down, and 1.25% with 10%+ down. It can be financed into the loan, and it is waived for veterans receiving VA disability compensation.

Can I use a VA loan more than once?

Yes. As long as you pay off or sell the property from your previous VA loan (or have remaining entitlement), you can reuse your VA benefit. In some cases, you can even have two VA loans simultaneously.

Do VA loans require PMI?

No. VA loans never require private mortgage insurance, regardless of down payment. This is one of the most significant financial benefits of the VA loan program.

Related Programs

Other programs worth a look.

Not quite the right fit? These programs solve neighboring scenarios — or let the funnel route you.

Ready to explore VA Loan?

Answer a few quick questions and get a personalized strategy recommendation — including whether VA is right for your situation. No hard credit pull.

Check My Options →Call / Text Us: 949-868-2422

Prefer a set time? Book a call · Ready to apply? Start your full application

VA-approved lender. Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.

West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.