Competitive VA Loan Rates & Expert Manual Underwriting, Regardless of Credit Scores or Debt-To-Income Ratio

VA Lending Specialist, lending in 49 States.  We go beyond the basics of VA loans, offering a personalized approach tailored to the unique financial situations of veterans and active service members. Unlike many lenders, we specialize in manual underwriting, helping those with lower credit scores and higher debt-to-income ratios secure financing—understanding that the VA has no minimum credit score requirement.

Our expertise allows us to navigate complex financial histories, taking the time to thoroughly document and justify past hardships, including derogatory credit events. Many lenders impose unnecessary restrictions or rely solely on automated approvals, but we take a hands-on approach, exploring every possible path to approval within VA guidelines.

From the moment you start with our VA Loan Qualifier, we’re committed to finding solutions, not roadblocks. Whether your loan requires manual underwriting or a unique approach to approval, we ensure you receive the best guidance and financing options available—because your service deserves nothing less.

The VA Loan Process

Here’s how our home loan process works:

• Complete our simple VA Loan Qualifier
• Receive options based on your unique criteria and scenario
• Compare mortgage interest rates and terms
• Choose the offer that best fits your needs