At Todd Uzzell Home Loans, we specialize in VA loans for Arizona veterans, active-duty military members, and eligible surviving spouses. As one of the most powerful home loan benefits available, VA loans offer zero down payment, no private mortgage insurance (PMI), competitive interest rates, and flexible credit requirements—making homeownership more accessible for those who have served our country.
Why Choose a VA Loan?
VA loans are backed by the U.S. Department of Veterans Affairs and designed specifically to help service members, veterans, and their families achieve the dream of homeownership. With significant military presence at Luke Air Force Base, Davis-Monthan AFB, Fort Huachuca, and other installations, Arizona is home to thousands of eligible VA loan borrowers.
Our team has extensive experience with VA loans and understands the unique needs of military families, including PCS moves, deployment situations, and VA entitlement complexities.
VA Loan Benefits
Zero Down Payment
Finance 100% of the home's value with no money down required
No PMI
Save hundreds monthly—no private mortgage insurance required
Competitive Rates
Typically lower interest rates than conventional loans
Flexible Credit
More lenient credit requirements than conventional loans
Limited Closing Costs
VA restricts which fees lenders can charge borrowers
No Prepayment Penalty
Pay off your mortgage early without penalty fees
Who Qualifies for VA Loans?
VA home loan eligibility is based on your service history. Generally, you may qualify if you meet one of the following criteria:
Service Requirements
- Veterans: 90 consecutive days of active service during wartime, OR 181 days during peacetime
- Active Duty: At least 90 continuous days of active service
- National Guard/Reserves: At least 6 years of service
- Surviving Spouses: Unmarried spouses of service members who died in service or from service-related disabilities
What You'll Need
- • Certificate of Eligibility (COE) from the VA
- • Sufficient income to cover monthly payments
- • Acceptable credit history (typically 620+ score)
- • Intent to occupy the home as primary residence
- • Property must meet VA appraisal standards
We can help you obtain your COE quickly through the VA's online system.
Types of VA Loans Available
VA Purchase Loan
The standard VA loan for buying a home. Finance up to 100% of the home's value with no down payment required. Perfect for first-time buyers and repeat buyers alike.
- ✓ Single-family homes
- ✓ Condos (VA-approved projects)
- ✓ Townhomes
- ✓ Multi-unit properties (up to 4 units, if occupying one)
VA Refinance (IRRRL)
The VA Interest Rate Reduction Refinance Loan (IRRRL) streamlines the refinance process to lower your rate or convert from adjustable to fixed.
- ✓ Minimal documentation required
- ✓ No appraisal typically needed
- ✓ No income verification in most cases
- ✓ Lower rates and reduced payments
VA Cash-Out Refinance
Tap into your home equity by refinancing for more than you owe. Use cash for home improvements, debt consolidation, or other expenses.
- ✓ Refinance up to 100% of home's value
- ✓ Consolidate high-interest debt
- ✓ Fund home improvements
- ✓ Can convert conventional to VA loan
VA Construction Loan
Build your dream home from the ground up with a VA construction loan. Single-close construction-to-permanent financing available.
- ✓ Build on your own land
- ✓ New construction from approved builders
- ✓ One closing for construction and permanent loan
- ✓ Zero down payment option
Serving Arizona Military Communities
Arizona is home to several major military installations. We proudly serve active-duty personnel, veterans, and military families throughout the state:
Luke Air Force Base
Glendale, AZ
World's largest fighter pilot training base. We serve communities in Glendale, Peoria, Surprise, and Goodyear.
Davis-Monthan AFB
Tucson, AZ
Home of the 355th Wing and "Boneyard." We assist military families throughout the Tucson metro area.
Fort Huachuca
Sierra Vista, AZ
Army intelligence center. Serving Sierra Vista, Huachuca City, and surrounding communities.
Marine Corps Air Station Yuma
Yuma, AZ
Marine aviation training facility. We help military families find homes in Yuma and surrounding areas.
Barry M. Goldwater Range
Southwest Arizona
Military training range serving multiple branches and allied nations.
Veterans Statewide
All Arizona Cities
We serve veterans throughout Arizona—Phoenix, Tucson, Flagstaff, and beyond.
The VA Loan Process
Get Pre-Approved
Contact us to verify your VA eligibility and get pre-approved. We'll help you obtain your Certificate of Eligibility.
Find Your Home
Shop for homes with confidence knowing your maximum purchase price and monthly payment.
VA Appraisal
The VA appraisal ensures the property meets minimum standards and is worth the purchase price.
Close & Move In
We guide you through closing and ensure a smooth transition to your new home.
Understanding the VA Funding Fee
The VA funding fee helps offset the cost of the VA loan program to taxpayers. It can be financed into your loan amount, so you don't need to pay it upfront.
First-Time Use
Purchase with 0% down: 2.15% of loan amount
Purchase with 5%+ down: 1.50% of loan amount
Refinance (IRRRL): 0.50% of loan amount
Subsequent Use
Purchase with 0% down: 3.30% of loan amount
Purchase with 5%+ down: 1.50% of loan amount
Refinance (IRRRL): 0.50% of loan amount
Fee Exemptions
Veterans receiving VA disability compensation are exempt from the funding fee.
Purple Heart recipients and surviving spouses are also exempt.
Explore Other Loan Programs
VA & Military Resources
VA Loan Frequently Asked Questions
Can I use my VA loan more than once?
Yes! VA loan benefits can be used multiple times throughout your lifetime. Once you sell your home and pay off the VA loan, your full entitlement is restored. You may even use it again before paying off your existing VA loan if you have remaining entitlement.
What credit score do I need for a VA loan?
While the VA doesn't set a minimum credit score, most lenders require at least 620. However, we may be able to work with lower scores depending on other factors. VA loans are generally more flexible with credit than conventional loans.
How long does VA loan approval take?
With all documents ready, VA loan approval typically takes 30-45 days from application to closing. Having your Certificate of Eligibility ready beforehand can speed up the process. We work efficiently to meet your timeline.
Can I buy a condo with a VA loan?
Yes, but the condo project must be VA-approved. We can check if your desired condo complex is on the VA's approved list. Many Arizona condo communities are already approved.
Are there property restrictions with VA loans?
The property must be your primary residence and meet VA minimum property requirements (MPRs) to ensure it's safe, sound, and sanitary. Investment properties and vacation homes don't qualify for VA financing.
What if I'm currently deployed or on active duty?
We work with active-duty service members regularly, including those who are deployed. We can coordinate with your designated representative and handle much of the process remotely. Your spouse can also attend closing with power of attorney.
Ready to Use Your VA Home Loan Benefits?
Thank you for your service. Let us help you achieve homeownership with the benefits you've earned. Get started today with Arizona's VA loan specialists.