VA Home Loan

VA loans are backed by the U.S. Department of Veterans Affairs and come with great benefits, such as no money down and competitive interest rates. You also don’t have to have perfect credit, or even near-perfect credit to apply.

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Your Guide to VA Home Loans

Who It’s For

Active military service members, honorably discharged veterans, National Guard and Reserve members, and spouses of fallen service members can get a VA loan if they meet the eligibility requirements.

The Benefits

No Down Payment

No Down Payment

This is a huge advantage for veterans and service members and the single-largest benefit of the VA loan.

No Private Mortgage Insurance

No Private Mortgage Insurance

VA loans do not require that you pay private mortgage insurance (PMI), which other loans do.

Competitive Interest Rates

Competitive Interest Rates

VA loans have some of the lowest interest rates on the market, which can save you thousands.

Relaxed Credit Requirements

Relaxed Credit Requirements

Credit scores are typically lower for VA loans than what you would need for a conventional mortgage.

Eligibility Requirements

  • Active Duty Military: 90 consecutive days of service during wartime or 181 days of service during peacetime
  • National Guard & Reserves: 6 years of service
  • Spouses: Married to a service member who died in the line of duty or as a result of a service-related disability


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Here’s Why We Do What We Do

We would like to thank Jeff Aguilera for the time and knowledge he provided my wife and I with a very smooth transition in the purchasing of our house. Our real estate agent Emily suggested we go with Jeff and he did not disappoint. So thank you very much, again Jeff. It was a true pleasure working with you.
Greg & Susan

Why Right Start Is the Right Choice

Personalized Experience

Personalized Experience

We take the time to get to know you and your goals, then help you every step of the way.

Easy Loan Process

Easy Loan Process

Close your loan in five easy steps—from finding out how much you can borrow to signing the final documents.

Family Owned & Operated

Family Owned & Operated

We take a personalized approach with every client and have built a loyal ‘fans for life’ following.

Experts Since 1989

Experts Since 1989

With 30+ years of experience, we know what we’re doing, and we believe in transparency, trust, and excellent customer service.

Get to Know Us

We’re a family-owned and operated company with a solid team of qualified and enthusiastic mortgage specialists committed to personalized, individual service for each client. We educate, communicate, and are transparent about the loan process to make the experience as smooth as possible.

Meet the Team

Other Loan Programs


FHA loans are backed by the Federal Housing Administration and are especially popular with first-time home buyers.


VA loans offer great benefits, such as low interest rates and no money down, for active-duty military members, veterans, or sur viving spouses.


Private lenders offer conventional loans designed for those with good credit scores and a low debt-to-income (DTI) ratio.


USDA loans are designed for those interested in purchasing an affordable home that’s located in a rural area.


Some homes are priced above conventional conforming loan standards, and that’s where the jumbo loan comes in.

Get in Touch With Our Team

We’re happy to connect with you and answer any questions you might have. Reach out today!