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Saguaro Lending

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  • Gilbert, AZ 85233
  • (480) 442-4026
  • NMLS 866507

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    VA Loans

    What is a VA Loan?

    VA home loans are a type of mortgage that’s guaranteed by the U.S. Department of Veterans Affairs and offered through private mortgage lenders.

    As typically the mortgage option for active duty military personnel or eligible veterans, the VA Loan program was originally started during World War II to provide affordable housing to returning U.S. service members, veterans, surviving spouses, and their families. The VA designates specific regions around the country as housing credit shortage areas, usually small cities or towns located outside of larger cities. For those looking to purchase a home, a VA Loan offers better long-term financing options and more favorable repayment terms than a conventional mortgage. Jumbo VA Loans are also available.

    As an eligible borrower, a VA loan can be used to purchase, build, repair, retain, or adapt a home to fit your unique needs. Another significant advantage of VA Loans is that they require no private mortgage insurance (PMI) nor a 20% down payment.

    Once you qualify, a VA Loan includes:

    • No down payment is required
    • You do not have to pay private mortgage insurance
    • Fixed or adjustable rate terms are available
    • Refinance up to 100% of your existing home

    Saguaro Lending offers VA Loan rates in Arizona and Washington.

    Saguaro Lending is not affiliated or acting on behalf of or at the direction of the VA or the Federal Government

    John Shrein

    (480) 442-4026

    Email Me

    NMLS 866507

    Apply Now

    Client Testimonials

    My husband and I recently closed on the purchase of our new home in AZ. John Shrein and his team were accessible, attentive, and AMAZING! We were purchasing this home while living in NM and could not have asked for a more outstanding mortgage company! The service they provided was top notch! From the pre-qualifying stage to closing, John and his team were there with us every step of the way!

    John did such a great job with my primary residence purchase that I went back for a refinance and second home purchase. John's professionalism, integrity, exceptional knowledge of the industry, responsiveness and willingness to answer any and all questions is remarkable. He goes the extra mile and is with you every step of the way. He is an excellent communicator and ensures all parties are well informed throughout each step of the process. I trust John to always do the right thing and highly recommend him. He is a permanent entry in my contact book!

    I trust John to take care of all of my real estate needs. Throughout the loan process, he is knowledgeable, efficient, and available to answer questions. Recently, I utilized his expertise to assist with a third transaction. I must say, three is definitely a charm as the third transaction was once again flawless and better than the previous one thanks to John & his team!

    Heather R.

    Toni M.

    Tara T.

    Ready to explore your loan possibilities? See if you can get pre-approved by contacting me today!

    Apply Now