A VA Loan to Honor Your Service.
Eligible veterans, active-duty service members, and surviving spouses can buy or refinance with no monthly mortgage insurance and low-down-payment options.*
A benefit you earned.
You earned this. Let us put it to work.
- Standard documentation: income, assets, and credit
- Low-down-payment options for qualified buyers*
- First-time and repeat buyers welcome
- Purchase or refinance owner-occupied primary homes*
- Purchase & refinance with low-down-payment options, and cash-out is also available*
- VA financing carries no monthly mortgage insurance*
VA sets no county loan limit with full entitlement*
Buy, refinance, or take cash out
Owner-occupied primary residence
Standard documentation: income, assets, and credit
Your VA entitlement applies*
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton VA Loan?
A VA-guaranteed home loan from the U.S. Department of Veterans Affairs
The Saxton VA Loan is a full-featured mortgage that is guaranteed by the U.S. Department of Veterans Affairs, rewarding those who served with no monthly mortgage insurance and low-down-payment options.
Qualify with standard documentation: income, assets, and credit reviewed the usual way.
Use it to buy or refinance an owner-occupied primary residence with no monthly mortgage insurance.*
Why choose the Saxton VA Loan?
Built for the veterans and service members who earned it.
First-Time Buyers
Low-down-payment options make buying your first home more attainable.*
Surviving Spouses
Certain surviving spouses of veterans may be eligible to use the VA benefit.
Move-Up & Repeat Buyers
Refinance the home you have or buy the next one, using the benefit again.
Cash-Out Refinance
Tap your equity to reinvest, consolidate, or fund your next move on eligible properties.*
No Monthly Mortgage Insurance
VA loans do not require monthly mortgage insurance, which is real monthly savings.*
A Reusable Benefit
The VA benefit does not expire and can be used more than once.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the VA Home Loan.
VA does not apply a county loan limit for veterans with full entitlement. Larger loan amounts carry additional requirements, and we confirm your entitlement during pre-qualification.
Yes. Eligible veterans, active-duty service members, and surviving spouses can buy their first home with a VA loan.*
You can use it to purchase a home, refinance an existing mortgage (rate/term), or take cash out, on an owner-occupied primary residence.
VA loans are known for flexible qualifying; your options depend on your full profile and entitlement.
Less than most programs ask for, and your VA entitlement is the reason. You will still need funds for closing costs, prepaid taxes and insurance, and escrow items, though some of those can be covered by the seller where the contract allows. Your loan officer can give you a working figure once the property is known.*
Yes. Fixed-rate and adjustable-rate (ARM) options are available on eligible programs.
Yes, cash-out refinancing is available. The amount you can access depends on your equity, credit profile, and property type.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton VA Loan program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified- Department of Veterans Affairs, eligibility for VA home loan programs
- Department of Veterans Affairs, VA home loan types
- Department of Veterans Affairs, VA funding fee and closing costs
*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. VA eligibility and entitlement are set by the U.S. Department of Veterans Affairs. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.