Todd Uzzell
NMLS #1525192 | Loan Officer
I work with military families every day in Arizona. Fast VA approvals, respectful service, no hidden costs. You've served—let me help you buy.
0% down. No PMI. No surprises. Built for military families.
NMLS #1525192 | Loan Officer
I work with military families every day in Arizona. Fast VA approvals, respectful service, no hidden costs. You've served—let me help you buy.
No down payment required. Full purchase price financed. Only program available to eligible veterans.
No mortgage insurance. VA benefit value = no PMI needed. Saves 0.5–1% per year over conventional loans.
VA rates often beat conventional. Lower risk to lenders (VA guarantees) = lower rates for you.
90+ days of active duty service (at least 1 day after Sept 7, 1980). COE (Certificate of Eligibility) required to apply.
6+ years of service. Generally requires honorable or general discharge under honorable conditions.
Proof of military service. Apply online at VA.gov, or we can request it for you. Takes 1–2 weeks typically.
Minimum 620 FICO. VA is flexible with credit history—prior issues OK with explanation.
VA uses residual income (income left after expenses) instead of strict DTI. More flexible than conventional. Up to 50% DTI possible.
Home Price: $350,000
Down Payment: $0 (VA 0% down)
Loan Amount: $350,000
Interest Rate: 6.35%
Loan Term: 30 years
Monthly Payment Breakdown:
$2,145/month
*Includes principal + interest + property taxes/insurance, NO PMI*
Home Price: $550,000
Down Payment: $0 (VA 0% down)
Loan Amount: $550,000
Interest Rate: 6.40%
Loan Term: 30 years
Monthly Payment Breakdown:
$3,525/month
*Includes principal + interest + property taxes/insurance, NO PMI*
100% financing. Close with no money down. Only program with this benefit for eligible borrowers.
Saves 0.5–1% annually. Over 30 years, that's tens of thousands of dollars in your pocket.
VA rates typically 0.25–0.75% lower than conventional. VA guarantee = lower lender risk.
Prior late payments, foreclosures, collections OK with documentation. VA focuses on residual income, not just credit score.
Full entitlement after payoff. Buy again and again at 0% down. Lifetime benefit for eligible veterans.
Pay extra principal anytime with no penalty. Free to build equity faster.
Certificate of Eligibility takes 1–2 weeks. Get it before you start house hunting. We can help request it, but starting early prevents delays at closing.
VA limits what sellers can charge, but veterans typically cover some costs (appraisal, title insurance, taxes). Budget 2–5% for closing costs even with VA.
VA is reusable—use it strategically. If buying investment property or higher-price home, consider holding some entitlement for future primary residence.
Apply online at VA.gov (eBenefits), or request by mail. Takes 1–2 weeks. We can also request it through your lender portal. Bring your DD214 (discharge papers) to speed it up.
Yes. You must occupy the home for at least 1 year before converting to investment property. VA loans are for primary residence, but after 1 year, you can rent it out and the VA benefit remains.
VA funding fee is typically 1.4–3.6% of loan amount, rolled into loan. Exemptions for disabled veterans or those receiving VA disability. Talk to us—you may qualify for a waiver.
Yes. Unlimited use after paying off a prior VA loan or on a new property. Reusable for life. Strategic planning helps—we can show you how to maximize your benefit.
Appraisal required. VA appraisers protect veterans—home must be safe, sound, sanitary. Inspection is your choice (always recommended). No VA requirement for home inspection.
Thank you for your service. Let's get you into your Arizona home at 0% down.