Get a VA Loan from a Local Veteran

Buying a home is a very LOCAL process. Knowing the area and all the players involved insures a smooth transaction. Don’t trust this process to someone in a call center who works for a National Lender who “pretends” to be dedicated to those who’ve served. Many of these places employ a very LOW percentage of Veterans. Here at My City Mortgage, you can speak with a fellow Veteran who will gladly assist you with financing options for your new home.

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Are you a military service member or a veteran looking to buy a home? As a benefit of your service, the Department of Veterans Affairs offers unique resources to help those with military experience purchase a home with a low or zero down payment.

Purchase your home with as little as 0% down payment.

5-year adjustable rate mortgage available.

VA Streamline Refinance with a reduced funding fee and flexible documentation requirements – available for veterans currently in VA loans.

Jumbo VA loans available.

30-, 25-, 20- and 15-year terms are all available with fixed rates.

No monthly PMI (Private Mortgage Insurance).

VA loans are governed by the U.S. Department of Veterans Affairs.

Pay your mortgage off at any time without pre-payment penalties.

The VA Loan process

A VA loan works the same as most other home purchases, with a buyer making a written offer to purchase a home under specific conditions (price, closing cost assistance, other contingencies), and then going through an approval process with a lender. The key difference with a VA loan is that the Department of Veterans Affairs requires that all homes purchased through this program meet certain habitability requirements. They will send out a home inspector and appraiser to make sure that the home is in good working order and is worth what you are paying.

cropped view of soldier in camouflage uniform using laptop
Jason Wiggins

Meet your Advisor: Jason Wiggins

As a 4 year Navy Veteran myself, I love to take care of fellow military veterans and active duty.

We take great pride in helping our clients with financing options and are happy to guide them through every step of the process.

Buying a home is a huge commitment and you need someone that will work for you and help you understand each step of the way.

I would be honored to serve you on your next home purchase or refinance!

Mortgage Originator- NMLS #139983

9835-518 (075)


Beverly L

Brian was excellent and made the process seamless!

Danielle C

Brian Bailey was on top of the whole process from day one all the way until our closing day. Fast, reliable, friendly and smart. Thanks again Brian!

Jeff A

Well managed by courteous, professional staff. Brian Bailey delivered excellent, personal and professional service. Would work with him anytime!
– via Surefire survey

We will get you across the finish line.

Our clients value our insight and extensive experience. Through careful consideration of household needs, finances, and history—we help you understand the loan process from beginning to end. Our team of professionals can help review and explain mortgage options that are right for you with our efficient technology-driven process.

My City Mortgage – NMLS # 1978621
A division of Hometown Lenders, Inc. – NMLS # 65084
ADVERTISEMENT: 1-888-628-1414 A division of Hometown Lenders, Inc. an Equal Housing Lender NMLS 65084 ( Terms, conditions, and restrictions may apply. Loan Products are subject to availability and credit approval. Not a commitment to extend credit. Hometown Lenders USA AZ BK-0949142. Licensed by the CA DFPR 41DBO-60614
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