Welcome to Todd Uzzell Home Loans, your dedicated VA loan specialist serving Davis-Monthan Air Force Base and the greater Tucson area. As a veteran-friendly lender, we understand the unique needs of military families and are committed to helping you achieve homeownership with your earned VA benefits.
About Davis-Monthan AFB
Davis-Monthan Air Force Base is home to the 355th Wing and hosts the famous "Boneyard" aircraft storage facility. Located in southeast Tucson, the base employs thousands of active duty personnel, civilians, and contractors, making it a cornerstone of the Tucson community.
Many military families choose to purchase homes near the base in neighborhoods like Rita Ranch, Vail, and East Tucson, benefiting from proximity to work and quality schools.
VA Loan Benefits for Military Families
Zero Down Payment
100% financing with no down payment required
No PMI
No private mortgage insurance saves hundreds monthly
Competitive Rates
Lower interest rates than conventional loans
Flexible Credit
More lenient credit requirements for veterans
VA Mortgage Programs
Purchase Loans
- • Standard VA Purchase Loans - Zero down financing
- • VA Construction Loans - Build your dream home
- • VA Jumbo Loans - For high-value properties
- • Native American Direct Loan (NADL) program
Refinancing Options
- • VA IRRRL - Interest Rate Reduction Refinance
- • VA Cash-Out Refinance - Access your home equity
- • Refinance from conventional to VA loan
- • Streamlined processing for quick closings
Who Qualifies for VA Loans?
Active Duty
Current service members stationed at Davis-Monthan AFB with 90+ days of active service during wartime or 181+ days during peacetime.
Veterans
Honorably discharged veterans who meet minimum service requirements. Full entitlement may be reused after paying off previous VA loans.
Surviving Spouses
Surviving spouses of service members who died in service or from service-connected disabilities may qualify for VA benefits.
📋 Certificate of Eligibility (COE)
We can help you obtain your COE quickly through the VA's online system. Bring your DD-214 or statement of service, and we'll handle the rest.
Popular Areas Near Davis-Monthan AFB
Rita Ranch
Distance: 10 miles southeast
Price Range: $250K - $450K
Master-planned community with parks, schools, and shopping. Very popular with military families.
Vail
Distance: 15 miles southeast
Price Range: $300K - $550K
Growing community with newer homes, excellent schools, and desert mountain views.
East Tucson
Distance: 5-8 miles
Price Range: $200K - $400K
Established neighborhoods close to base with easy commute access.
Why Davis-Monthan Families Choose Us
🎖️ Military Expertise
We specialize in VA loans and understand PCS orders, BAH, and military life. Our team has helped hundreds of Davis-Monthan families.
⚡ Fast Processing
Quick pre-approvals and efficient closings. We work with your timeline, especially during PCS moves.
🏠 Local Knowledge
Deep understanding of Tucson neighborhoods, schools, and commute times from the base.
💡 Education First
We explain every step, ensure you understand your benefits, and maximize your VA entitlement.
Helpful Resources
VA Loan Limits
In 2025, there are no loan limits for veterans with full entitlement. This means you can finance homes above the conforming loan limit with zero down payment.
Learn more about VA loan limits →VA Funding Fee
Most borrowers pay a one-time funding fee (1.25%-3.3% of loan amount), which can be rolled into the loan. Veterans with service-connected disabilities are exempt.
Calculate your funding fee →Other Arizona Military Locations We Serve
Ready to Use Your VA Benefits?
Contact us today for a free consultation and let us help you find your home near Davis-Monthan AFB.