Zero down · no monthly mortgage insurance

The benefit you earned, handled by someone who has used it.

Lucy's specialty, and the one she has been through herself as a military spouse. Eligible veterans, active-duty service members and some surviving spouses can finance the whole purchase price. Entitlement and eligibility questions get answered by Lucy directly rather than passed to a call center.

Start your application Call (580) 284-7244

What it takes

The requirements, in plain terms.

Service eligibility

Proven by a Certificate of Eligibility. Lucy can usually pull yours in a few minutes — you do not have to chase it down first.

Credit

The VA sets no minimum score. Individual lenders set their own, which is exactly the kind of difference a broker can shop around.

Income

Steady and documented. Active-duty pay, civilian pay, retirement and disability compensation all count.

Occupancy

It has to be the home you live in. VA is not available for a rental or a pure investment purchase.

The property

A VA appraisal is required, and the house must meet the VA's minimum property requirements.

Documents

What to have ready.

Requested once, up front, rather than in dribs — missing paperwork is what actually delays a file. The full checklist by how you're paid is on the loan programs page.

Certificate of Eligibility — Lucy can usually pull this for you
DD-214 if you have separated from service
Statement of Service signed by your command if you are still in
VA award letter if you draw disability compensation — this is what exempts you from the funding fee
Most recent LES, or 30 days of civilian pay stubs
Two months of bank statements, every page

Full document checklist

The part worth knowing

What people find out too late.

The funding fee is the part nobody mentions up front. It is a one-time fee on most VA loans and it is usually financed rather than paid at closing. If you receive VA disability compensation you are generally exempt — and the award letter is the only thing that proves it. Lucy checks your exemption status before anything else, because it changes the whole picture.

Answers

Questions about va loans.

General answers. Every file is different, so treat these as a starting point rather than a quote.

Can I use a VA loan more than once?

Yes. Entitlement is not spent after one use, and it can be restored after a sale. If you still own a home financed with VA, there are rules about remaining entitlement — send Lucy the details and she will work it out.

Does a VA loan take longer to close?

Not materially. The appraisal is ordered through the VA system, which occasionally adds a few days, and what actually delays files is missing documents rather than the program itself.

Will sellers accept a VA offer?

Some agents still believe VA offers are slow or fragile. A real pre-approval letter, and a lender your agent can call, is the answer to that — and Lucy will talk to the listing agent directly when it helps.