Your Service. Your Benefit. Our Business.
for Those who've worn the uniform.
If you don’t know what an MOS is, that’s alright — civilians are welcome too.
But if you do know… fall in. Let’s get to work.
You earned these benefits-I'm here to make sure you get every advantage you deserve
What you earned through service
$0 Down Payment
NO PMI (Private Mortgage Insurance)
NO PMI (Private Mortgage Insurance)
You don’t need to save for a big down payment — your service already earned you this benefit.
Buy sooner. Keep your savings. Move in on your terms.
NO PMI (Private Mortgage Insurance)
NO PMI (Private Mortgage Insurance)
NO PMI (Private Mortgage Insurance)
Most civilians pay a monthly penalty called PMI. Veterans do not.
That means lower monthly payments compared to conventional loans.
Lower Interest Rates
NO PMI (Private Mortgage Insurance)
Lower Interest Rates
VA loans typically have better interest rates because they’re backed by the VA.
That means more house for less monthly cost.
Flexible Credit Guidelines
Refinance: Interest Rate Reduction Refi
Use your benefit more than once
You don’t need “perfect credit.”
Real life happens. We work with it — not against it.
Use your benefit more than once
Refinance: Interest Rate Reduction Refi
Use your benefit more than once
Your VA loan is not a “one and done.” You can use it again or even have more than one in certain cases.
Most vets never get told this.
Refinance: Interest Rate Reduction Refi
Refinance: Interest Rate Reduction Refi
Refinance: Interest Rate Reduction Refi
If your current rate is higher than what’s available — we can fix that.
Usually no appraisal, no income docs, fast & simple.
Cash-out-refinance: Tap your equity safely
Cash-out-refinance: Tap your equity safely
Cash-out-refinance: Tap your equity safely
Use your home’s value for: repairs, debt payoff, remodels, or breathing room.
No credit cards. No predatory crap. A responsible equity strategy.
Surviving Spouse Benefit
Cash-out-refinance: Tap your equity safely
Cash-out-refinance: Tap your equity safely
Surviving spouses may qualify for VA home loan benefits, including no funding fee.
This is honor. Not paperwork.
VA Funding Fee Exempt
Cash-out-refinance: Tap your equity safely
VA Funding Fee Exempt
If you have a VA disability rating of 10% or higher, or you were awarded a Purple Heart, you may not have to pay the VA funding fee.
This can save you thousands upfront and lowers your overall cost.
Surviving spouses may also qualify.
Sound off-we're listening
Sound off-we're listening
prefer face to face?
Good. So do we.
To get the best personal service, schedule an in-person visit.
Hours
Today | Closed |
These video's explain the VA loan basics and real-life scenarios without the banker talk.
Frequently Asked Questions
Please reach us at info@btsloans.com if you cannot find an answer to your question.
No. The VA is not the lender.
The VA guarantees part of your loan so that approved lenders (that I shop) can offer better terms and lower rates to Veterans.
You still work with a mortgage professional, not the VA directly.
Active Duty~90 days during wartime OR ~181 days during peacetime
National Guard / Reserves Typically 6 years of service unless activated on active orders
- I can pull it for you
This is usually the fastest and easiest.
I request it directly through the VA lender portal — most come back instantly.
- VA.gov
You can log in and request it yourself online:
https://www.va.gov/housing-assistance/home-loans/how-to-apply/
(You’ll need your DS Logon or ID.me account.)
- By Mail (Slowest Method)
Fill out VA Form 26-1880 and mail it to the VA.
This is only used if online access fails or records are missing.
- Through Your VA Regional Loan Center
They can assist if your service records need verification or correction.
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