Zero down payment. No PMI. Competitive rates. Arizona veterans and active military deserve the best — and VA loans deliver it. NMLS #1525192.
Check My VA Eligibility Call 480-330-1724The VA home loan benefit is one of the most powerful financial tools available to those who have served. No other mortgage program comes close.
The most significant benefit — eligible veterans can purchase an Arizona home with absolutely no down payment. On a $450,000 home, that's $45,000–$90,000 you keep in your pocket compared to FHA or conventional financing.
Conventional loans require PMI when you put less than 20% down — typically $100–$300/month. VA loans never require PMI, regardless of down payment. Over 30 years, that's $36,000–$108,000 in savings.
VA loans historically carry lower interest rates than conventional loans — often 0.25%–0.5% lower. On a $400,000 loan, even 0.25% lower rate saves approximately $60/month or $21,600 over 30 years.
Your VA loan benefit doesn't expire. You can use it multiple times throughout your lifetime. Sell your current home, repay the VA loan, and your full entitlement is restored for the next purchase.
VA loans are backed by the U.S. Department of Veterans Affairs — meaning lenders take on less risk, which is why they can offer better rates and terms. The VA guarantees a portion of each loan.
While the VA doesn't set a minimum credit score, most lenders (including Todd Uzzell) work with scores starting at 580–620. VA loans are accessible to veterans who might not qualify for conventional financing.
For eligible veterans, the comparison is clear.
| Feature | 🇺🇸 VA Loan | FHA Loan | Conventional |
|---|---|---|---|
| Down Payment | ✓ 0% | 3.5% | 3–20% |
| PMI / Mortgage Insurance | ✓ Never | ✗ Required (life of loan) | Required under 20% down |
| Interest Rate | ✓ Lowest (typically) | Moderate | Varies by credit |
| Min. Credit Score | 580 (lender guideline) | 580 (3.5% down) | 620 |
| Loan Limit (AZ 2026) | No limit (with full entitlement) | $530,150 | $832,750 |
| Funding Fee | 1.25%–3.3% (one-time) | 1.75% upfront MIP | None |
| Eligible Borrowers | Veterans, Active Duty, Surviving Spouses | Anyone | Anyone |
| Property Types | Primary residence only | Primary residence only | All property types |
You may qualify for a VA home loan if you meet one or more of the following service requirements.
Currently serving with at least 90 consecutive days of active duty are eligible for VA home loan benefits.
90+ days of active service, at least one day during wartime. Discharged under any conditions other than dishonorable.
181+ consecutive days of active duty during peacetime. Discharged under conditions other than dishonorable.
6+ years of service in the National Guard or Reserves, or 90+ days of active duty under Title 10 orders (including at least one day during a wartime period).
Unmarried surviving spouses of veterans who died in service or as a result of a service-connected disability may be eligible. Spouses of MIA or POW veterans may also qualify.
The VA funding fee is a one-time fee that helps sustain the VA loan program for future veterans. It's typically rolled into the loan — no out-of-pocket payment needed.
| Loan Type | First Use | Subsequent Use | With 5%+ Down | With 10%+ Down |
|---|---|---|---|---|
| Purchase (0% down) | 2.15% | 3.30% | 1.50% | 1.25% |
| Cash-Out Refinance | 2.15% | 3.30% | N/A | N/A |
| IRRRL (Streamline Refi) | 0.50% — always | |||
From eligibility check to closing — here's how Todd guides you through the VA loan process.
Todd pulls your Certificate of Eligibility (COE) directly from VA systems. Usually instant — no wait required.
24-hour pre-approval based on income, credit, and entitlement. Sellers in Arizona take VA pre-approvals seriously.
VA-assigned appraiser confirms value and minimum property requirements. Todd coordinates the entire process.
Review your final numbers, sign your documents, and get your keys. Most VA loans close in 30–45 days.
Arizona has one of the highest concentrations of veterans in the U.S. — VA loans are extremely common here.
Luke Air Force Base, Fort Huachuca proximity, and a massive veteran population make the Phoenix metro one of the top VA loan markets in the nation. VA loans common across all price ranges.
Fort Huachuca in Sierra Vista drives significant VA loan activity in southern Arizona. Davis-Monthan AFB in Tucson also generates substantial demand. Todd closes VA loans throughout southern AZ.
Many Arizona veterans use VA loans to purchase in Scottsdale, Gilbert, Chandler, Mesa, and Queen Creek. VA loans are widely accepted by sellers in these markets.
Todd Uzzell closes VA loans in every Arizona city and military community.
A VA loan is a mortgage benefit for eligible veterans, active duty service members, National Guard/Reserve members, and surviving spouses — backed by the U.S. Department of Veterans Affairs. In Arizona, VA loans offer zero down payment, no PMI, and competitive rates. Eligibility is based on service length and discharge status. Call 480-330-1724 and Todd will verify your eligibility instantly by pulling your Certificate of Eligibility directly from the VA.
Yes — eligible veterans with full VA entitlement can purchase an Arizona home with absolutely no down payment, up to any loan amount (though amounts above $832,750 may require a partial down payment). There is no monthly mortgage insurance required. Your total out-of-pocket at closing is typically limited to the VA funding fee (which can be rolled into the loan) and standard closing costs.
Veterans with full VA entitlement have no official loan limit in Arizona for 2026 — you can finance any amount with zero down (subject to lender underwriting). The VA's "loan limit" of $832,750 only matters for veterans with partial entitlement (typically those with an existing active VA loan). First-time VA users with full entitlement face no dollar cap.
The VA does not set a minimum credit score requirement — but individual lenders do. Todd Uzzell works with VA borrowers at 580+ credit scores in most cases. A higher score (680+) gets you better pricing. VA loans are significantly more flexible than conventional loans on credit requirements, making them ideal for veterans who are rebuilding credit after service.
Some Arizona sellers have outdated concerns about VA offers — but this is largely a myth in 2026. VA loans close on similar timelines to conventional loans. Todd provides a seller's information guide to listing agents alongside every VA offer, which dramatically improves acceptance rates. His VA closings routinely complete in 30–35 days.
Yes — VA loans are available in every Arizona city including Scottsdale, Gilbert, Chandler, Mesa, Phoenix, Tucson, Peoria, Surprise, Queen Creek, and all others. Todd closes VA loans throughout the Phoenix metro, Tucson, and statewide. There are no geographic restrictions on where you can use your VA benefit in Arizona.
Yes — your VA benefit is reusable for life. When you sell your home and pay off the VA loan, your full entitlement is restored and you can use it again. You can also have two VA loans simultaneously in some cases (if you've moved due to military orders). There is no limit to how many times you can use your VA loan benefit over your lifetime.
The VA funding fee is a one-time fee (2.15% for first-time use with 0% down) that helps sustain the VA loan program. It's typically rolled into the loan — no out-of-pocket payment. Veterans with a VA service-connected disability rating are completely exempt from the funding fee. Todd will verify your exemption status before closing to ensure you don't pay a fee you're entitled to waive.