Veterans buying a home in Arizona.
VA financing is a home loan benefit for eligible veterans and service members. Since 2020, VA loan limits apply only to borrowers with partial entitlement; first-time VA borrowers and those whose entitlement is fully restored are not capped by them. Chris pairs veterans with lenders who know VA loans well.
Who can use a VA home loan, and is there a loan limit?
VA financing is for eligible veterans and service members; the lender confirms eligibility with your Certificate of Eligibility. Under the Blue Water Navy Vietnam Veterans Act of 2019, VA loan limits now apply only to partial entitlement. Borrowers with full entitlement, including first-time VA borrowers and those whose entitlement has been fully restored, do not face the county limit.
Your lender confirms your entitlement and what you qualify for.
Ask your VA lender
- Am I eligible? (Certificate of Eligibility)
- Is my entitlement full or partial?
- What will my funding fee be?
- How much can the seller contribute?
VA financing, explained.
Chris covers who VA financing is for and the benefits that make it one of the strongest loan programs available to people who served.
Why does Chris focus on helping veterans?
It is personal. Chris’s father and grandfather were both veterans, and Chris tried to serve himself: the Army, Navy, and Marines all turned him down because of asthma. Helping veterans buy homes is how he gives back.
Can the seller pay closing costs on a VA loan?
Often, yes, through seller concessions negotiated in the offer. Lenders set the limits, and they differ for VA, FHA, and conventional loans. Chris writes concessions into the offer when they make sense for your situation.
See making an offer for how concessions are negotiated.
Stories & straight answers.
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Your questions, answered.
Is there a VA loan limit in Arizona?
Since 2020, VA loan limits apply only to borrowers with partial entitlement. First-time VA borrowers and those with fully restored entitlement are not limited by the county cap.
Who is eligible for a VA home loan?
Eligible veterans and service members, confirmed by the lender through a Certificate of Eligibility.
Can the seller pay my closing costs on a VA loan?
Often, through negotiated seller concessions within the limits your lender allows.
Can Chris recommend a VA lender?
Yes. Chris connects veterans with lenders he trusts so they can compare options before writing an offer.
Keep learning.
Mortgage Pre-Approval in Arizona
What a pre-approval is, the documents a lender asks for, and what not to do once you are approved.
Read the guideFirst homeFirst-Time Home Buyers in Arizona
A first-time buyer’s guide to financing options, down payment help, and what to expect.
Read the guideStep 2 · OfferMaking an Offer on a Home in Arizona
How an offer comes together in Arizona: the pre-offer documents, earnest money, concessions, and multiple offers.
Read the guideStart hereThe Arizona Home Buying Process
The Arizona home-buying process step by step, from pre-approval to keys, with Chris’s video for each step.
Read the guideAsk The Real Estate Guy.
Tell Chris where you are in the process and what you are trying to accomplish. He will reply with a practical next step for your Arizona purchase or sale.
- Chris Dunham, The Real Estate Guy™ · Brokers HUB Realty
- Buyers, sellers & investors across the Phoenix metro and Pinal County
- Email: [email protected]
Talk to Chris
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