The VA Home Loan Program For Arizona Veterans

The VA Home Loan Program was started in 1944 as a part of the GI Bill of Rights following World War II. It was created to reward those currently serving in the military and veterans that have served. As part of the GI Bill, the government created a special government insured mortgage program to minimize down payments, lower closing costs, and help those currently serving and veterans achieve the dream of home ownership.

  • One of the primary benefits of a VA mortgage is that in most cases a down payment isn't required. It is one of the only home loan programs in the country without a required down payment or private mortgage insurance. VA allows Veterans to pay up to 1% of their loan amount toward VA non-allowable fees.
  • VA interest rates and APR's tend to be lower when compared to other home loan mortgage programs. Individual interest rates for VA Loans are still dependent on your personal situation. Those factors that can affect VA interest rates include your credit scores, how much your down payment is, the value of the home, etc.

Cornerstone Home Lending provides mortgage lending and VA Home Loans to all Arizona cities including Phoenix, Glendale, Peoria, Buckeye, Scottsdale, Tempe, Mesa, Chandler and Gilbert. From Flagstaff to Yuma, from Tucson to Kingman and all Arizona cities in between we provide unmatched service and communication with the ability to serve you wherever and however you need.

For eligible veterans and their families, the VA home loan is a truly great financing option and one to explore with an experienced mortgage professional.

Refinance with a VA Home Loan

Interested in refinancing? Ask me and my team about refinancing with a VA Home Loan to help you buy, remodel or update your home, or additionally, refinance your current home loan. During this current economic period, refinancing with a VA Home Loan is a great option to consider.

Have questions or would like to see if you qualify? Please contact my team and I today; we are more than happy to help you!

VA Home Loan Refinancing Options

VA Streamline (IRRRL) Refinance

An Interest Rate Reduction Refinance Loan (IRRRL), normally referred to as a "Streamline" refinance, is a great option for VA Home Loan holders who seek to take advantage of today's lower interests and increased savings.

Cash-Out VA Refinance

If you are looking for an option to access cash for home improvements, emergencies, or simply to consolidate debt, then a "Cash-Out" VA refinance may be a great option for you. Contact me and my team today to see if you qualify.

VA Loan Refinance Eligibility

For VA Home Loan eligibility, you can qualify if you have served on active duty for more than 90 consecutive days during wartime or served more than 181 days during peacetime. If you are a National Guard member or Reservist, the veteran must have served for a minimum of six years.

VA Frequently Asked Questions

Eligible veterans and their spouses include the following:

  • Active Duty Personnel of the Air Force, Army, Navy, and Marines
  • Veterans of the Air Force, Army, Navy, and Marines
  • Certain Reservists and National Guard Members
  • Surviving spouses of Veterans who died on active duty or died as a result of service connected disabilities
  • Certain spouses of active duty personnel who are:
    • Missing in Action
    • Captured in line of duty by hostile forces
    • Forcibly detained by a foreign government or power
  • What can I expect? The VA offers very user friendly home lending guidelines and allows VA mortgage lenders to utilize a manual underwrite when needed. One can expect to have to provide 2 years tax returns with W2's, 30 days most recent pay stubs and current bank statements.
  • Where do I check my VA benefits? A VA approved home loan lender can usually access the benefits or one can contact the VA Eligibility Center at 1-877-827-3702 to request their Certificate of Eligibility.
  • Can I use my VA Benefits more than once? YES!!!! This is one of the biggest misconceptions that still exist. Your VA Certificate of Eligibility dictates the available benefit.
  • A regular VA Loan consists of financing up to 100%. There is no monthly mortgage insurance nor private mortgage insurance on VA Loans. You may need to put more down to qualify and be approved for your specific monthly payment.
  • VA Condo Loans. On VA approved condo projects only. An address can be checked at the following address -

The next steps in getting a VA Home Loan

  • Contact me and my team right away, we are an experienced and qualified VA Mortgage Lender in Arizona and can assist with each step of the process.
  • Check your VA Benefits Eligibility yourself or we can assist you with that too.
  • Gather your necessary documentation like 2 years tax returns with W2's, 30 days most recent pay stubs and current bank statements.

Introduction to Kelly Zitlow and Cornerstone Home Lending

My name is Kelly Zitlow, and I have 25+ years of experience in mortgage lending in Arizona. I also have over 20 years of experience in helping veterans and their families obtain VA Home Loans in Arizona. I currently have a team of 10 dedicated mortgage professionals. We have had veterans work for our team in the past and will always support/hire vets when we can. Our team has over 100 years of combined experience in helping families with all types of mortgages in Arizona. I am very proud of the level of communication and unmatched level of service that we deliver to all of our clients and you can find our mortgage reviews here.

Cornerstone Home Lending, Inc. is a privately and wholly owned American company whose corporate headquarters are in Houston, Texas and has been a VA Home Loan Lender for 30 years. We currently have over 150 team members nationwide who are Veterans helping us achieve our goals because of their experience and personal drive. We also proudly honor God and country as part of our values, and you can read more about Cornerstone Home Lending and our Mission here.

We very sincerely and deeply thank you and your family for your service and sacrifice. It would be our honor to serve you and your needs and assist you in achieving you goals.

Get the VA Home Buyer Guide

VA Homebuyer Guide Download Now

Review from a Veteran

Kelly and her team are amazing and worked very hard for us with several complications with buying in Coconino County and being a Veteran. She has closed 3 loans for us and each one has been a great experience. I love her honesty, her direct communication, her solution finding attitude and her the professionalism that she and her team have with every step of the process. She keeps great communication and is always available for questions and problem solving. This made our process easier and I would recommend Kelly and her team to any one who is looking for a mortgage. She thinks outside the box with loans that have complications. She has been up for any challenge we came across to get our loan closed. Her entire team is amazing and working with Karen with our VA loan was a bonus with her professionalism and positive attitude.

Heather E., VA Client
Read More Reviews
VA Mortgage Calculator
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Get my #1 tip on how to get the best VA Loan Rate by watching until the end of this video. In this video, we cover how VA Loan Rates work from top to bottom! It is important to understand all factors involved such as your FICO Score, DTI, LTV, and down payment, and the reason why you could have a slightly better rate, or worse rate, compared to another veteran you know or your neighbor.
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Are you a first-time homebuyer interested in buying your home using a VA loan? Are you not sure what are the VA loan requirements? In this video, Kelly discusses VA loans and the VA loan requirements 2021.

Get the Facts on VA Home Loan Fees
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Your Guide to VA Loan Fees