Home Buying with VA Loans

As proud supporters of Arizona’s military community, we specialize in helping veterans, active-duty service members, and eligible surviving spouses take full advantage of their VA loan benefits. Whether you’re stationed in the Valley or settling down after service, we’ll walk you through the VA homebuying process from start to finish — with honesty, clarity, and care.

A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs. It was designed to make homeownership more affordable for those who’ve served. VA loans require no down payment, no mortgage insurance, and often offer better interest rates than conventional loans.

• $0 down payment
• No private mortgage insurance (PMI)
• Competitive interest rates
• Flexible credit requirements
• No loan limits with full entitlement
• Reusable, lifelong benefit—can be used multiple times  
• Funding fee may be waived for some veterans (e.g., service-connected disability, Purple Heart recipients, surviving spouses)  

• Veterans, active-duty service members (typically after 90 days of service), National Guard/Reservists, and eligible surviving spouses 
• Minimum service requirements include:
  • 90 continuous days during wartime
  • 181 days during peacetime or six years in Reserves/National Guard  
• Must obtain a Certificate of Eligibility (COE)—via lender, online, or mail  .

Arizona is home to several major military installations — including Luke AFB, Davis-Monthan, and Yuma Proving Ground. Whether you’re relocating, retiring, or buying your first home, VA loans are a powerful tool for buying in Phoenix, Glendale, Surprise, Buckeye, Tucson, and surrounding cities.

1. Confirm Eligibility (verify your COE)
2. Connect with a VA-approved lender
3. Get pre-qualified to determine your budget
4. House hunt with your VA benefits in mind
5. Submit an offer and order the VA appraisal
6. Close on your home with no down payment required, closing cost are not covered by the program however sellers may be able to cover cost in many situations.

• Single-family homes
• Condos (must be VA-approved)
• Manufactured homes (some restrictions apply)
• New construction (with VA-compliant builder)

VA loans are for primary residences only — not investment or vacation properties.

Myth: VA loans take longer to close

Truth: With the right team, VA loans can close as fast as conventional loans.

Myth: Sellers won’t accept VA offers

Truth: We know how to present strong VA offers that compete — and win.

Myth: You can only use the VA loan benefit once

Truth: You can use it multiple times and even restore entitlement after a sale.

How much can I borrow with a VA loan?

There’s no official loan limit with full entitlement. It’s based on your income, credit, and local property prices.

Do VA loans have closing costs?

Yes, but you can negotiate for the seller to cover them, or roll them into the loan in some cases.

What’s the VA funding fee?

A one-time fee (usually 2.15–3.3%) helps fund the program — but it’s waived for many disabled vets.

At The Araizas, we consider it an honor to help those who’ve served. From securing your eligibility to handing over the keys, we’re with you every step of the way.

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We proudly serve veterans in Phoenix, Mesa, Glendale, Tucson, Surprise, Buckeye — and across all of Arizona.