Home / VA Loan
VA Loan
You earned this benefit. A veteran-owned team will help you use it well. VA home loans are guaranteed by the U.S. Department of Veterans Affairs, which gives eligible veterans, service members and surviving spouses options that can reduce or eliminate the down payment, with no monthly mortgage insurance. North Point is a veteran-owned, family-run broker based in Thornton, serving the Denver metro. We compare VA options across multiple lenders for you.
- Veteran-owned broker
- No monthly mortgage insurance
- Low or no down payment options
- VA IRRRL & cash-out refinance
From one veteran family to another
We know the VA process from both sides of the table. That means fewer surprises, clear answers about your entitlement, and a team that treats your benefit with the respect it deserves.
Whether you're separating from service, stationed at Buckley Space Force Base, or have bought with a VA loan before, we'll help you understand your options and compare them across lenders, not just one bank's menu.
Who's eligible?
- Veterans who meet VA service requirements
- Active-duty service members
- Eligible National Guard and Reserve members
- Certain surviving spouses
You'll need a Certificate of Eligibility (COE). We can help you request it, often in minutes.
How VA loans work
No monthly mortgage insurance
Unlike FHA and most low down payment conventional loans, VA loans don't carry monthly mortgage insurance. That can make a real difference in your payment.
Low or no down payment
Eligible buyers have options that can reduce or eliminate the down payment, depending on entitlement and the lender. We'll show you the actual numbers.
VA funding fee
Most VA loans include a one-time funding fee that can often be financed into the loan. Veterans receiving VA disability compensation are generally exempt.
Primary residence
VA financing is for a home you'll live in, including single-family homes, townhomes, VA-approved condos and 2–4 unit properties where you live in one unit.
Use it more than once
Your VA benefit isn't one-and-done. Entitlement can often be restored or reused, so you can buy again as your family's needs change.
Higher-priced homes
With full entitlement, VA financing can go above conventional loan limits, subject to lender guidelines. Useful in Broomfield, Erie and other higher-priced areas.
VA IRRRL: a simpler refinance
The VA Interest Rate Reduction Refinance Loan (IRRRL), sometimes called a VA Streamline, lets you refinance an existing VA loan into a new VA loan, often with less paperwork than a standard refinance.
We'll compare the full cost against your current loan and show you the break-even point, and we'll tell you honestly if it doesn't make sense yet.
VA cash-out refinance
Need cash for renovations, debt consolidation or another goal? A VA cash-out refinance lets eligible homeowners access their equity, and it can also be used to move a non-VA loan into a VA loan.
We'll lay out the payment change and total cost side by side so you can decide with confidence.
VA vs. FHA vs. conventional
If you're eligible for VA, it's often worth a close look, but not always the only answer. We'll run the options that fit your situation.
| VA | FHA | Conventional | |
|---|---|---|---|
| Who can use it | Eligible veterans, service members, certain surviving spouses | Any qualified buyer | Any qualified buyer |
| Down payment | Options that can reduce or eliminate it | Low down payment options | Low down payment options for qualified buyers |
| Monthly mortgage insurance | None | Yes | With a smaller down payment; can be removed later |
| One-time fee | VA funding fee (exempt for many disabled veterans) | Upfront mortgage insurance premium | None |
| Property use | Primary residence | Primary residence | Primary, second home or investment |
From first call to keys
Talk it through
Send a message. We learn your goals, timeline and service background.
COE & pre-approval
We help request your Certificate of Eligibility, review income, credit and assets, and compare VA options across lenders.
Shop and close
You shop with confidence. We coordinate the VA appraisal, underwriting and title through closing day.
VA loan FAQ
Do I really not need a down payment?
Many eligible buyers with full entitlement can buy without a down payment, but it depends on your entitlement, the price and the lender. We'll check your situation and show you the actual numbers.
How do I get my Certificate of Eligibility?
We can usually request your COE online through the VA system once you give permission. If more documentation is needed, such as a DD-214, we'll tell you exactly what to send.
Am I exempt from the VA funding fee?
Veterans who receive VA disability compensation, and some other groups, are generally exempt. Your COE shows your funding fee status, and we'll confirm it before closing.
Can I buy a condo with a VA loan?
Yes, if the condo project is VA-approved. We'll check the specific building before you make an offer.
Can I use my VA loan again?
Often, yes. Entitlement can be restored after you sell and pay off a VA loan, and in some cases you can have more than one VA loan at a time. We'll review your entitlement with you.
Why use a broker for a VA loan?
VA guidelines are set by the VA, but lenders add their own rules and pricing. As a broker, we compare VA options from multiple lenders to find the right fit for your situation.
Let's put your VA benefit to work.
Tell us a little about your goals and a real person from our team will reach out, usually the same business day. Mon–Sat, 8 AM–6 PM.
Submitting this form is not an application for credit and does not lock a rate. See our Privacy Policy. North Point Financial Inc. · Company NMLS #362825 · Equal Housing Opportunity.
Educational content, not financial advice or a rate quote. Loan approval, programs, down payment assistance and terms vary by lender and borrower and are subject to credit approval, program guidelines and property eligibility. North Point Financial Inc. is a mortgage broker, not a lender or a government agency, and is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.