Veterans and VA Home Loans in Tucson and Southern Arizona
You served. Buying or selling a home should not be another battle. The J.J. Group at Epique Realty works with veterans, active-duty service members and military families every year, including PCS moves to and from Davis-Monthan Air Force Base and Fort Huachuca.
Why Many Veterans Use a VA Loan
A VA-backed home loan is a benefit you earned through service. The loan comes from a private lender and the U.S. Department of Veterans Affairs guarantees part of it, which often means better terms for you.
Often No Down Payment
Many eligible buyers purchase with no down payment, as long as the price is not higher than the home's appraised value. Your lender may still ask for one in some cases.
No Monthly Mortgage Insurance
VA loans do not require private mortgage insurance (PMI), which can lower your monthly payment compared with other loan types.
Competitive Rates and Costs
VA loans typically offer competitive interest rates and limit certain closing costs. Sellers are allowed to help with some of them.
A Benefit You Can Reuse
Your VA loan benefit is not one-time only. Depending on your remaining entitlement, you may be able to use it again on your next home.
Good to Know Before You Start
Certificate of Eligibility
Your Certificate of Eligibility (COE) shows a lender that you qualify for the benefit. Most lenders can request it for you, often quickly.
The VA Funding Fee
Most VA loans include a one-time funding fee, which can usually be rolled into the loan. Veterans receiving compensation for a service-connected disability, and some surviving spouses, may be exempt.
It Must Be Your Home
A VA purchase loan is for a home you will live in. You will also need to meet your lender's credit and income requirements.
Who May Be Eligible
Veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses, depending on service history.
How The J.J. Group Helps Military Families
PCS on a Deadline
Report dates do not move. We plan your search and closing around your orders, with video tours and electronic signing when you can't be here.
VA-Savvy Offers
We know how VA appraisals and timelines work, and we write offers that sellers and listing agents take seriously.
Trusted VA Lenders
Need a lender who works with VA loans every day? We can introduce you to experienced local options so you can compare.
Selling When Orders Come
When it is time to move on, we price, market and sell your home so you can focus on the next duty station.
Ready to Use Your VA Benefit?
Call or text Janet at (520) 409-1690 or email janetluna@epique.me. New to the area? See our Relocating to Tucson guide.
CONTACT THE J.J. GROUPThe J.J. Group and Epique Realty are not lenders and are not affiliated with the U.S. Department of Veterans Affairs. Loan terms, eligibility and fees are set by the VA and your lender and can change. For official information visit VA.gov.