My City Mortgage Logo

VA Home Loan

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
Ricky Butler

Meet your Advisor: Ricky Butler

As a Marine Corps veteran, I love to take care of fellow military veterans and active duty.

My passion is to find the right financing solution for all of my clients and 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 2056568

Lori H

I’ve had the best experience for being a first time homebuyer,everyone was beyond helpful and explained all the steps in detail to someone with zero knowledge of the home buying process.

David A

My City was fantastic to work with. They were extremely knowledgeable and answered all questions quickly.

James S

Honestly, the process of me receiving and acquiring my mortgage was professional, efficient, and satisfying. I want to thank everyone at My City for they have done for me.

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.

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-0938291. Licensed by the CA DFPI 41DFPI60614.