Supporting Our Veterans with Trusted Financing
At Home Haven Lending, we proudly serve those who have served our country by offering VA Loans designed specifically for veterans, active-duty military members, and eligible surviving spouses. This government-backed loan program allows qualified buyers to purchase a home with zero down payment and competitive interest rates.
No Down Payment Required
One of the most attractive features of a VA Loan is the ability to purchase a home with no down payment. This means you can get into your dream home faster, without having to spend years saving for a large upfront cost.
Flexible Credit Requirements
VA Loans come with more lenient credit standards than conventional loans, making homeownership more accessible to veterans who may not have perfect credit. This flexibility ensures that your service is honored with an opportunity to build a future.
Benefits of VA Loans
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No down payment required for eligible borrowers
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Competitive interest rates with government backing
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Access to streamlined refinance options (IRRRL)
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The opportunity to reuse your VA benefits
No Private Mortgage Insurance (PMI)
Unlike many low down payment programs, VA Loans do not require monthly private mortgage insurance, which translates to significant savings over time. This keeps your monthly payments lower and makes long-term affordability easier to manage.
Why Choose Home Haven Lending
At Home Haven Lending, we believe that every borrower deserves personalized, transparent, and expert guidance throughout their home financing journey. We go beyond one-size-fits-all solutions—offering a full suite of loan programs including FHA, VA, Conventional, DSCR, Bank Statement, Home Equity, Non-QM, and No Income Verification Loans tailored to your financial goals.
We are known for
"FAQs"
The right loan depends on your financial goals, credit profile, and income documentation. For example, FHA loans are great for first-time buyers, VA loans are exclusive to veterans, and DSCR or Bank Statement loans work well for self-employed borrowers. Our experts at Home Haven Lending will guide you based on your unique situation.
Yes! We offer Bank Statement Loans and No Income Verification Loans that are specifically designed for self-employed individuals or business owners who may not have traditional proof of income but can demonstrate strong financial stability.
Absolutely. FHA and VA loans often come with low or no down payment requirements. Depending on your eligibility, we’ll help you find the most affordable financing solution available.
Non-QM (Non-Qualified Mortgage) loans are for borrowers who don’t meet conventional lending guidelines. These are ideal for those with irregular income, recent credit events, or unique investment goals. If traditional banks have turned you down, this could be your solution.
The timeline varies by loan program, but most of our clients close within 2 to 4 weeks. No Income Verification and Bank Statement loans often process faster because of reduced documentation requirements.
Refinance and Renovate with Ease
Whether you’re looking to refinance your existing VA Loan through the Interest Rate Reduction Refinance Loan (IRRRL) or make upgrades using a VA Renovation Loan, we offer options that work with your lifestyle and budget. Home Haven Lending makes it easy to adapt your mortgage to your changing needs.
