Veterans Mortgage of AmericaTM is a VA Approved Lender | NMLS ID 407536

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We're a Military Focused Lender

Veterans Mortgage of AmericaTM (VMATM ) is a Veteran owned and led mortgage company.  We specialize in VA loans which gives us the opportunity to provide the absolute best service possible to those who have proudly served our country. Our loan professionals are well versed in all loan types and can assist with all mortgage types and needs. We also partner with local and national organizations where we give back to those that bravely serve our country.

VA Lending Expertise

Our expert team specializes primarily in VA loans. We have the knowledge to educate you on your options and the experience to find the best possible loan solution for you regardless of whether you are a Veteran or not.

We will work with you throughout the entire loan process to provide a smooth transaction and ensure your complete satisfaction.

Welcome to Veterans Mortgage of AmericaTM

Why We Created Veterans Mortgage of AmericaTM

At Veterans Mortgage of America, Inc., (VMATM) our story is deeply-rooted in a commitment to serve those who have served our country. Founded by veterans and led by a team with diverse military backgrounds, we understand the unique challenges and needs of veterans, active service members, and their families. Our veteran owners are both combat veterans and peacetime veterans. We understand you because . . . we are you. 

Our mission is clear: to provide unparalleled support and assistance to veterans and first responders in achieving their homeownership dreams. We believe that “Your service to our nation is your down payment”TM and we’re dedicated to helping you navigate the VA home loan process with ease and confidence. 

Guided by principles of integrity, excellence, and community involvement, we strive to make a meaningful impact in the lives of our clients and the broader Veteran community. We take pride in our status as the only mortgage company in the nation with a former VA Loan Guaranty officer among our all-Veteran ownership, ensuring that we offer expertise and insights unmatched by others. 

Moreover, we are deeply committed to giving back to our veteran community. We actively collaborate with various non-profit organizations dedicated to supporting veterans and their families while leveraging our resources and expertise to make a positive difference. 

At Veterans Mortgage of AmericaTM we don’t just provide loans; we provide unwavering support, guidance, and advocacy for those who have sacrificed for our country.  

Join us on this journey toward homeownership, where your service is truly honored and your dreams are realized.

VA Loan Advantages

At Veterans Mortgage of AmericaTM (VMATM ), we are proud to provide the highest quality home loans for veterans and active duty Military. Our loan specialists will assess your specific needs and ensure you take full advantage of the unique benefits reserved exclusively for veterans and active members of the US military.

  • Lower Payments

VA Loans provide competitive interest rates and no PMI which means lower monthly payments.

  • Easy to Qualify

The VA Loan Program provides opportunities to buyers that may not ordinarily qualify for standard financing options.

  • No Down Payment!

VA Loan Programs are one of the only lending options that require no down payment.

This is especially ideal for first time buyers that receive relaxed credit standards!

Whether your goal is to purchase a home or refinance to lower your monthly payment, our team is committed to helping you obtain an unbeatable VA loan with vigilant, caring customer service. Our excellent rating with the BBB and Business Consumer Alliance is proof of our dedication to our customers.

Our VA Loan specialists are waiting to help you take advantage of these exceptional benefits.

Contact Us Today to Get Started!

VA Loan Eligibility

Find out if you are eligible for a VA Loan today! VMA is here to help you determine your eligibility as well as answer any VA loan questions you may have. Our “A” rating from the Better Business Bureau means you can trust in our our quality products and our commitment to providing unbeatable customer service. You can be confident that our dedicated loan specialists will be with you every step of the way.

We will assess your individual needs and goals and help to educate you on your VA loan benefits and the VA loan process. We are committed to helping you get the best rate possible with a smooth, low stress transaction. Whether you are refinancing an existing loan to dramatically lower your payments or are buying a new home, VMA is the best choice for all of your lending needs.

Eligibility for VA Loans includes one of the following:

  • You have served 90 consecutive days of active service during wartime
  • You have served 181 days of active service during peacetime
  • You have more than 6 years of service in the National Guard or Reserves or have been activated for 90 days
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.

Refinancing Options

The VA Interest Rate Reduction Refinance Loan (IRRRL) lowers your interest rate and payment by refinancing your existing VA home loan and is one of the best mortgage options for borrows that want to save money over the life of the loan. Additionally, an IRRRL is typically easier to qualify for and has almost no qualifying factors.

If you are considering lowering your monthly mortgage payments and are either a veteran or active military, please give us a call today. We will carefully assess your situation to find your very best options and we will never try to sell you something that doesn’t make sense. At the very least, you’ll walk away with useful information to consider.

VMA Lending is an Equal Housing Lender and a member of the Better Business Bureau with a solid reputation of excellence. Call us today or email us to get started!

IRRRL Facts:

  • No appraisal, income or assets required when qualifying for a VA streamline refinance (IRRRL).
  • No credit score required.
  • Convert your VA Adjustable Rate Mortgage to a VA Fixed mortgage before your ARM adjusts and the rate increases.
  • At VMA, we welcome you to compare us to other lenders. We are confident that we offer the competative rates and terms in the industry with the most experienced VA loan specialists.
Get Started Now!

Reverse Mortgage Options

Reverse mortgages offer several benefits to older homeowners, including supplemental income without the burden of monthly mortgage payments. This additional income can be particularly valuable for retirees on fixed incomes, allowing them to tap into their home equity to cover living expenses or other financial needs. Borrowers retain ownership of their homes and have flexibility in how they receive the loan proceeds, whether as a lump sum, line of credit, fixed monthly payments, or a combination of these options. Reverse mortgages typically have no income or credit requirements, making them accessible to seniors who may not qualify for traditional loans. However, it’s crucial for borrowers to seek guidance from financial advisors or housing counselors before making a decision.

Reverse Mortgage Facts:

  • Reverse Mortgages are a "Sustainable Solution" for Seniors.
  • Access the Equity in your Home "Tax Free"!
  • Use a Reverse Mortgage to improve monthly cashflow, eliminate your mortgage payment, make home improvements, take a well-deserved vacation.
Get Started Now!

Why Choose Veterans Mortgage of AmericaTM?

Customer Focused

We average 4.9 out of 5 stars every time because we put the customer and their needs first. Every time!

We Give Back

We work with local and national non-profits to provide veterans with the services they need.

Satisfaction Guaranteed

Our team of professionals strive to make every transaction the best experience possible. If something isn't right - we'll make it right!

Pre-Qualify Me Today

  • Home Purchases
  • Home Refinancing
  • Reverse Mortgages
  • VA Loans
  • Secondary Loans
Pre-Qualify Me Now!
  • Protected and Secured VMATM is a VA Approved Lender

Don't Just Take Our Word for It!

See what people just like you have experienced working with VMA!
Jimmy O.
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"USAVA Lending did a fine job. They explained everything. They treated me just fine and they were real friendly. If I had a question they got right back in touch with me at the time they said they would. They got what I wanted. I had no complaints. They corrected things that needed to be done. I was alright with the interest rate being the same. I would recommend them."
Elizabeth C.
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We received VA Refinance from USAVA Lending. All expectations were meet we had excellent communications from the "Executive Assistant. They provided prompt and thorough services. I would recommend USAVA Lending. It was easy with no hassles."
Will M.
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"The service was real good and they were pleasant. They were real polite and nice. The loan closed early and it did not take too long. We had no problems with them. The loan originator was excellent. He set us up and he was fantastic! He called back to see if everything went smooth and to find out if we had any questions. We did not have any questions because they answered them. I would definitely recommend them."
Barbara S.
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"They did a great job! I was very satisfied with their helpfulness and they went as far as taking care of the little details. During the time I was refinancing, my husband was in the hospital and was in ICU. The Senior Loan Processor was very helpful and was there for me when I couldn't be quite there myself. We got a reduced interest rate and reduced payment. I got a lot of great customer service from their team. I was looking for a place online and just happened to find their website and have been trying to refinance for 2-3 years..."
Charles M.
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"Thank all of you that worked to get this mortgage through. The Senior Loan Processor was quite a tireless person working with us. She was good to us and caring. She was also reassuring. We were very nervous and she calmed our fears.We would recommend USAVA Lending very highly. They were friendly, courteous, informative. They explained everything. USAVA Lending was the first loan company we have used in many years and it was worth our while. They facilitated the process, so we had nothing was held up."
Levi M.
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"I have used USA Home Loans a couple of times now and I keep going back because the employee I work with is great. I am always treated well and the employee is very personable. I have recommended them and if asked I would keep recommending them they are efficient."
Anthony Z.
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"Everyone at USAVA Lending did a splendid job in refinancing my home..They were very courteous,imformative, and answered all my questions. They were all very professional in handling my re finance, and it was finished promptly.I recommend your Lending Instition very highly.Thank you all for doing such a great job!"
Joe L.
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"Compared to Chase and other places that I worked with USAVA Lending were excellent. It was impressive because they are in Arizona and I am 1000 miles away in the bay area in California and I got better service from them than I would get from Chase who is literally around the corner. When the loan originator contacted me I was kind of leery that something like this would go through, but he did a remarkable job in terms of managing the loan application and process..."
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  • 1-484-838-5626 (VETLOAN)

– VA Loans have –

No Down Payment | No Mortgage Insurance | Low Rates

VMA is an approved lender. Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.

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Veterans Mortgage of America™ (fka USAVA Lending, LLC), provides outstanding lending options for homeowners, home buyers, Veterans and active duty Military service members.

VMA™ is an approved lender and not an agency of the Federal Government or affiliated with the Department of Veteran Affairs. We are licensed in all 50 states.

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The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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