I used my VA benefit before. Can I use it again?

Usually, yes. Entitlement can often be restored or partially reused. This is one of the most commonly misunderstood parts of the program and one of the first things we check.

Do I have to pay the VA funding fee?

Many borrowers do, but exemptions exist — service-connected disability is the most common. We check your exemption status before anything else.

Is a VA appraisal going to slow me down?

VA appraisals have their own process, and knowing that process is what keeps it from becoming a delay. We manage the timeline actively rather than waiting on it.

VA Home Loans

The benefit you earned, handled by people who understand it.

VA loans are guaranteed by the Department of Veterans Affairs and are among the strongest financing available to anyone who has served. The catch is that plenty of lenders don't really know how to work them. We do.

See if I qualify Call 708-888-1518

Traditional brick home with a deep front porch and rocking chairs in late afternoon light

Who this is for

Veterans, active duty service members, and eligible surviving spouses
Service members relocating on orders who need to move quickly
Anyone who has had a lender fumble their Certificate of Eligibility

Down payment flexibility
The VA guarantee is what makes this program exceptional. For eligible borrowers the up-front requirement is dramatically lighter than conventional financing.
No monthly mortgage insurance
VA loans do not carry the recurring monthly mortgage insurance that FHA and low-down-payment conventional loans typically do.
We handle the paperwork
Certificate of Eligibility, entitlement restoration, funding fee exemptions. This is routine here, not a special case.
Reusable
Your entitlement is not a one-time coupon. We will help you understand what you have left and how to use it.

Common questions

The things people
actually ask.

I used my VA benefit before. Can I use it again?: Usually, yes. Entitlement can often be restored or partially reused. This is one of the most commonly misunderstood parts of the program and one of the first things we check.
Do I have to pay the VA funding fee?: Many borrowers do, but exemptions exist — service-connected disability is the most common. We check your exemption status before anything else.
Is a VA appraisal going to slow me down?: VA appraisals have their own process, and knowing that process is what keeps it from becoming a delay. We manage the timeline actively rather than waiting on it.

Ask about VA

Two quick questions to start. A licensed loan officer calls you back — usually within minutes.

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Equal Housing
Lender
NMLS #1660690Sam Ahmed #221307
Licensed in 27 statesPowered by NEXA Mortgage, LLC

From people in the same position

“As a veteran, I've dealt with a lot of lenders who don't truly understand VA benefits. Homeland made the process seamless. No stress, no hidden fees, just total respect for my service.”
Robert S.Aurora, IL