VETERAN-OWNED VA LOAN LENDERS

Home Loans For Veterans, By Veterans

You’ve served our country–let us serve you. Buy or refinance your dream home with tailored VA home purchase loans, cash out refinance loans, and interest rate reduction loans.

Had an outstanding experience with Commander Mortgage! From start to finish, their team was professional, responsive, and genuinely cared about finding the best mortgage solution for my needs.

- Mark S.

Great team! Jason and his team made the whole process very smooth. I was able to close in just over 2 weeks! They walked me through the entire process, and as a first time homebuyer, they made every step easy to follow. Plus they got me a great rate during some crazy times!

- Andrew K.

The team at Commander Mortgage were fantastic to work with. They made the process very easy and answered every question I had. They closed on my VA loan in under 3 weeks. Highly recommend.

- Seth R.

veteran and significant other walking into their new home purchased with a va loan

Homeownership for Heroes

We’re committed to serving those who have served us. We help veterans and their families achieve housing stability, financial security, and overall well-being through personalized VA home loans and refinancing options. Our trusted, experienced team of veterans will guide you through every step of the home-buying process—from pre-approval to closing. Above all, we value your voice in the process. Because to us, you’re more than a number.

Our impact

Source:
Wallet Hub Logo
24M
Veterns helped
$14B
Loaned in 2024
$382,580
Saved on average in 2025
160,000
Loans approved for first-time homebuyers in 2022

Current VA Loan Rates

*Rates subject to change*
US Air Force Officer signing purchasing house with VA Loan

VA Loan Options

We offer a wide-range of services to veterans looking to buy a home.

Looking to buy an existing single-family house, build the home of your dreams, or even make energy-efficient updates to your current property? Our home purchase loans are a great option.

Key Advantages: 
• $0 Down Payment No Monthly Mortgage
• Insurance Lowest rates 
• Dedicated, Expert VA Loan advice every step of the way 

Cash Out Refinance Loan

Want to turn your home equity into cash? With a cash-out refinance loan from Commander Mortgage, you can refinance your current VA mortgage for a higher amount and cash out the difference for greater financial flexibility. 

Key Advantages:
• Lower your monthly payment
• Pay off high-interest debt  
• Boost your credit score

Interest Rate Reduction Loan (IRRL)

Lower your monthly payments by reducing the interest rate of your existing VA home loan with a VA IRRL. Refinancing with Commander Mortgage is simple and hassle-free.

VA Home LoanS

We’re dedicated to helping you finance your dream home with VA loans featuring competitive interest rates, low or no down payments, and no private mortgage insurance (PMI) requirements.

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Renovation Loans

Turn a fixer-upper into your dream home with loans for repairs and improvements, all while enjoying VA loan benefits.

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Real Estate Services

Whether you’re buying or selling, we’ll connect you with top notch real estate agents and resources to help you through the entire process with confidence.

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Refinance Loan

Want to turn your home equity into cash? With a cash-out refinance loan from Commander Mortgage, you can refinance your current VA mortgage for a higher amount and cash out the difference for greater financial flexibility. 

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Our VA Home Loan Process

Buying a home doesn’t have to be daunting. With our experienced team on your side, you can take each step with confidence and ease.

1

Pre-Approval

Getting pre-approved strengthens your buying power. Commander Mortgage will help you secure a strong pre-approval letter for your VA home loan by reviewing your credit, income, military service (COE), and debts. We'll then confirm how much you can borrow, with a pre-approval letter valid for 60-90 days.
2

House hunt

As you search for properties and make offers on your dream home, our team will be ready to update your pre-approval letter and provide payment estimates.
3

Appraisal

Once your offer is accepted, we’ll arrange for an appraiser to evaluate the property. This will ensure that the value and condition align with the purchase. If needed, we’ll help you renegotiate.
4

Final Mortgage Approval

Final stretch! Before you close, we’ll review and verify all the necessary details and documentation to approve your final VA home loan.
5

Closing on Your Home

Congrats on crossing the finish line and closing on your dream home! Even after you close, our team remains available for ongoing support. Whether you need help managing your mortgage or want to explore refinancing options, we're here for you every step of the way.

Are you Eligible?

  • Active Duty Service: 90+ days during wartime, or 181+ days during peacetime
  • National Guard/Reserves: 90+ days since Aug. 2, 1990, or 6+ years
  • Surviving spouse of a service member who was MIA, POW, or passed away due to service-related causes


Exceptions
: You may still qualify if discharged early due to hardship, medical condition, disability, or reduction in force

Hear from our veterans

Had an outstanding experience with Commander Mortgage! From start to finish, their team was professional, responsive, and genuinely cared about finding the best mortgage solution for my needs.

- Mark S.

Great team! Jason and his team made the whole process very smooth. I was able to close in just over 2 weeks! They walked me through the entire process, and as a first time homebuyer, they made every step easy to follow. Plus they got me a great rate during some crazy times!

- Andrew K.

The team at Commander Mortgage were fantastic to work with. They made the process very easy and answered every question I had. They closed on my VA loan in under 3 weeks. Highly recommend.

- Seth R.

FAQs

What is a VA loan?

A VA loan is a mortgage program designed to make homeownership more affordable for eligible veterans, active-duty service members, reservists, and surviving spouses. These government-backed loans offer benefits like no down payments, lower interest rates, and no private mortgage insurance requirements. 

How do you qualify for a VA loan?

VA loans are available to eligible veterans, service members, and surviving spouses. You may qualify if you meet one of the following criteria:

  • 90 consecutive days of active-duty service during wartime
  • 181 consecutive days of active-duty service during peacetime
  • 90 days in the National Guard and Reserves since August 2, 1990, or 6 years in the Selected Reserve or National Guard
  • Surviving spouses of service members who are missing in action, prisoners of war, or have died during active-duty service or as a result of a service-related injury

You’ll need a certificate of eligibility (COE) to start the qualification process. Learn more on our eligibility page.

What is the minimum credit score for a VA loan?   

The VA doesn’t set a specific minimum credit score, but most lenders look for a score of at least 620. At Commander Mortgage, we work with you to understand your financial situation. You can learn more about credit requirements for VA loans on our blog.

Why should I work with Commander Mortgage to buy or refinance a home? 

As a company built by veterans, for veterans, we understand the unique needs of military families—because we’ve been there. At Commander Mortgage, we’re dedicated to making homeownership more affordable for heroes like you by offering competitive interest rates, fast approvals, and a personalized level of service that bigger lenders simply can’t match. Our experienced team of veterans will guide you through every step of the process with care and respect. Because to us, you’re more than a number.

veteran and significant other walking into their new home purchased with a va loan

We're here to help you

With Commander Mortgage, you can trust not only that your dream home will soon be a reality, but also that you’re in excellent hands along the way. As veterans serving veterans, our dedicated team of seasoned professionals will guide you through every step of the home-buying process with expertise, care, and respect.

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