HOME FINANCING
FOR OUR NATION’S HEROES
va home loans
No Down Payments. Excellent Terms.
VA Loans offer unmatched advantages for eligible service members, veterans, and their families. They’re often the most cost-effective way to buy a home, thanks to low rates, zero down payment, and no PMI.
You can use your VA loan benefit more than once, and a family member can even co-purchase with you—no prior service required.
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VA HOME LOAN FEATURES
Packed with benefits that save you money and make buying a home easier.
No Down Payment Required
You read that correctly. Buy a home with zero dollars down—no need to drain your savings just to get started.
Competitive Interest Rates
VA loans often offer lower rates than conventional loans, helping you save month after month.
No Private Mortgage Insurance (PMI)
Skip the extra monthly cost—no PMI required, even with no down payment.
Flexible Credit Requirements
Less-than-perfect credit? That’s okay. VA loans are more forgiving when it comes to FICO scores.
DO YOU QUALIFY?
You are eligible for a VA loan if one of the following applies. If you’re not sure—reach out. We’ll help you find out where you stand.
Served 90 consecutive days of active duty during wartime
Served 6 years in the National Guard or Reserves
Completed 181 days of active service during peacetime
Be the spouse of a service member who died in the line of duty or from a service-related disability
wheRE TO start…
In the market to purchase or build a home? Start with our Purchase or Construction programs.
Already own a home? Consider refinancing or renovating with our Cash-Out, IRRRL, and Renovation programs.
va loans we offer
100% Financing – Purchase or Refinance*
- Minimum 500 Credit Score**
- No Down Payment Necessary
- No Mortgage Insurance
- Forgiving and Generous Guidelines
We’re happy to provide fast, convenient quotes in as little as 60 seconds (with no credit check). Start your pre-approval or give us a call!
*You can have multiple VA loans but you may need a down payment depending on your original VA loan amount.
*Down payment required if you are non-veteran and/or non-spousal co-borrower.
**580 is where most lenders advertise but the truth is the VA doesn’t have a minimum.
**Compensating factors necessary.
100% Financing – One Time Close*
- Minimum 620 Credit Score
- No Down Payment Necessary
- No Payments During Construction
- Converts to a 30 Year Fixed Mortgage
- Can Own the Land Already
- Up to a 4-Plex Allowed**
Visit our VA Construction Loans page for more details.
*The construction loan automatically converts to a 30 year fixed VA mortgage.
*Down payment required if you are non-veteran and/or non-spousal co-borrower.
**Must occupy one of the units as your primary residence.
100% Financing – Purchase or Refinance*
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Minimum 580 Credit Score
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No Minimum Renovation Cost
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Forgiving and Generous Guidelines
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1 to 2 Units, Condo and Mfg. Allowed
We’re happy to provide fast, convenient quotes in as little as 60 seconds (with no credit check). Start your pre-approval or give us a call!
*Down payment required if you are non-veteran and/or non-spousal co-borrower.
Renovation cost greater than $200,000 requires a second level project review.
No consultant required when total renovation cost is less than $50,000.
VA Cash-Out – Up to 100% Financing*
- Minimum 500 Credit Score**
- 100% Financing Available
- No Mortgage Insurance
- Forgiving and Generous Guidelines
*The VA will insure up to 90% and the lender will have to insure the last 10%.
*100% financing results in a higher interest rate with any lender you talk to.
**580 is where most lenders advertise but the truth is the VA doesn’t have a minimum.
**Compensating factors necessary.
VA IRRRL (Streamline)
No Appraisal – No Income – No Employment Verification***
- No Closing Cost Options Available****
- No Credit Score Options Available
- Defer up to 2 Months of Payments
- Up to $500 Cash Back at Closing
We’re happy to provide fast, convenient quotes in as little as 60 seconds (with no credit check). Start your pre-approval or give us a call!
***If you are removing someone from the loan, you will have to do income qualification.
****Requires utilizing lender credits at a higher rate than what the par or free rate is.
Why Choose Great Start Mortgage?
Because achieving your real estate goal is our success.
We’re a small, independent brokerage who treats every loan as if it were our own. You don’t fall into a database like the big box brokers—you work with us one-on-one every step of the way.
Our team compares multiple lenders to find the best loan for your needs. We listen, guide, and advise to set you up for success.
Licensing
GSM Consulting LLC
DBA Great Start Mortgage
NMLS #2138443
Consumer Access
Location
4495 W Hacienda Ave, Suite 11A
Las Vegas, NV 89118
Company Control Officer
Brian Stark
NMLS #1620373
Call Us Toll Free
(844) 866-8282
Call Us Locally
(702) 780-6767
Get Approved
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