No VA-required down payment
Eligible borrowers with sufficient entitlement may finance up to 100% of the lower of the purchase price or VA-established value. A lender or specific transaction may still require cash down.
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Justin VanNostrandNMLS #2774762 · Arizona
VA home loans in Arizona
Use the home-loan benefit you earned.
Get a clear look at VA eligibility, payment comfort, entitlement, and the steps between a conversation and a confident offer.
Justin VanNostrandNMLS #2774762 · ArizonaUnderstand the basics
What to know before the numbers.
No monthly PMI
VA loans do not carry conventional private mortgage insurance, though a funding fee may apply.
Programs down to a 500 score
Some VA programs may consider borrowers with credit scores as low as 500. Approval is not guaranteed; credit history, residual income, entitlement, occupancy, property, and other requirements are reviewed together.
Interactive estimate
VA affordability checker
Estimate a starting home-loan range using income, debts, rate, and housing costs.
Not a loan quote
Educational starting range$248,391
Target housing payment: $2,170
Estimated principal & interest: $1,570
Prepare the conversation
Answer four quick questions.
Your answers stay on your device until you choose to text or email them directly to Justin. Do not enter Social Security numbers, account numbers, or upload documents here.
Ready now? Open the secure application →Common questions
Good questions deserve direct answers.
Do I need perfect credit?+
No. Justin has access to VA programs that may consider credit scores as low as 500. A score alone never guarantees approval—the complete file, recent payment history, residual income, and lender requirements still matter.
Can I use VA more than once?+
Often, yes. Restored or remaining entitlement may allow another VA loan, depending on the circumstances.
Does 100% financing mean zero cash needed?+
Not always. Closing costs, prepaid items, remaining entitlement, appraisal outcomes, and negotiated credits affect cash needed.
Choose your next step
Talk first—or go straight to the application.
No matter where you start, your information and questions come directly to Justin.