What is VA Loans?
VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs, available exclusively to eligible military veterans, active duty service members, National Guard and Reserve members, and surviving spouses. They represent one of the most powerful homebuying benefits earned through military service.
At Roxford Holdings, our VA loan program offers 100% financing with no down payment required and no private mortgage insurance — ever. This can save veterans thousands of dollars over the life of their loan compared to conventional or FHA financing. VA loans also feature competitive below-market interest rates and protection against foreclosure.
One of the most valuable aspects of VA loans is that the benefit is reusable. Veterans can use their VA loan entitlement multiple times throughout their lifetime, making it an excellent tool for long-term wealth building through real estate.
How it compares: VA loans are the only major loan program that offers true zero-down-payment financing with no mortgage insurance, making them the most cost-effective option for eligible veterans.
Who Qualifies for VA Loans?
How to Apply for VA Loans
Obtain your Certificate of Eligibility (COE) from the VA
Get pre-approved with Roxford Holdings using your COE
Find a VA-eligible property and make an offer
Complete the VA appraisal (includes minimum property requirements check)
Close on your home with zero down payment — typically in 30-45 days
Key Features
Benefits
Requirements
Certificate of Eligibility required
Primary residence only
Meeting service requirements
Property must meet VA standards
VA funding fee may apply
Frequently Asked Questions
Veterans, active duty service members, National Guard and Reserve members, and eligible surviving spouses can qualify for VA loans with sufficient service time and a Certificate of Eligibility.
Yes, VA loan benefits are reusable. You can use them multiple times throughout your lifetime, though there are limits on how much you can borrow simultaneously.
For veterans with full entitlement, there is no VA loan limit — you can borrow as much as a lender will approve. Veterans with reduced entitlement may have county-based limits.
Ready to Get Started with VA Loans?
Get personalized rate quotes and expert guidance for your va loans needs.
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc