Phil Holguin, Sr. Loan Officer at Empower Home Loans
VA Loans
VA Loans
Who May Be Eligible for a VA Loan?
Certificate of Eligibility (COE)
Part of the Process
Why Consider a VA Loan?
Your VA Benefit Is Worth Understanding
VA Funding Fee
What It Is
Who May Be Exempt
VA Interest Rate Reduction Refinance Loan (IRRRL)
VA Cash-Out Refinancing
Frequently Asked Questions
Honor Your Service
LOAN PROGRAMS
For Those Who Served
VA home loan benefits may be available to eligible veterans, active-duty service members, members of the National Guard and Reserves, and certain surviving spouses. Phil can help you understand whether a VA loan could be a fit.
VA home loan benefits may be available to eligible veterans, active-duty service members, members of the National Guard and Reserves, and certain surviving spouses.
Eligibility depends on the individual’s service history and VA requirements. There is no single checklist that applies to every borrower, and service details can vary.
Phil can help review your situation and determine the next steps — including whether a VA loan may be worth considering alongside other financing options.
A Certificate of Eligibility confirms a borrower’s VA home loan eligibility. It can often be obtained as part of the mortgage process — you do not need to have a COE in hand before reaching out to Phil.
Phil can help you understand how the COE typically fits into a VA loan and what to expect as the process moves forward.
If a VA loan appears to be a fit, the COE is often requested during the mortgage process rather than as a separate first step. Phil can walk you through what that may look like for your situation.
For eligible borrowers, a VA loan can offer meaningful financing advantages — without treating any one benefit as automatic for every situation.
VA financing can be one of the strongest home financing options available to eligible borrowers, but every situation is different. Veterans and service members are encouraged to compare the VA option with other available financing rather than assuming one program is automatically best.
Phil can help you weigh a VA loan against other programs based on your goals, finances, property, and overall scenario.
A brief look at how the VA funding fee may work.
Many VA loans include a funding fee. The amount can vary based on the transaction and borrower circumstances.
Some eligible borrowers may be exempt from the funding fee. Whether an exemption applies depends on the borrower’s circumstances and VA requirements. Phil can help you understand how this may apply in your situation.
Eligible existing VA borrowers may have access to an Interest Rate Reduction Refinance Loan, often called an IRRRL. This refinance option is intended to help certain borrowers reduce their interest rate or otherwise improve their VA loan, subject to eligibility and program requirements.
VA cash-out refinancing may allow eligible borrowers to refinance and access a portion of their home’s equity, subject to eligibility and requirements. Whether a cash-out refinance is available — and how it works — depends on the borrower, the property, and applicable VA and lender guidelines.
Get answers to common questions about VA loans and benefits
Let us help you understand whether a VA loan could fit your next move.
VA loan programs, eligibility, terms, property requirements, and availability are subject to borrower qualification, VA requirements, lender requirements, and applicable program guidelines.
©
- navigate(l.path)} className="text-sm font-medium transition-colors" style= onMouseEnter= onMouseLeave= >
- Loan Programs
- } className="block w-full text-left px-4 py-2.5 text-sm transition-colors" style= onMouseEnter= onMouseLeave= >
- navigate('/contact')} className="text-sm font-medium transition-colors" style= onMouseEnter= onMouseLeave= >Contact
- window.open('https:
- } className="block w-full text-left text-sm font-medium py-2 text-white">
- } className="block w-full text-left text-sm font-medium py-2 text-white">Contact
- { window.open('https: VA Benefit for Heroes VA Loans For Those Who Served VA home loan benefits may be available to eligible veterans, active-duty service members, members of the National Guard and Reserves, and certain surviving spouses. Phil can help you understand whether a VA loan could be a fit. window.open('https: window.open('https: Who May Be Eligible for a VA Loan? VA home loan benefits may be available to eligible veterans, active-duty service members, members of the National Guard and Reserves, and certain surviving spouses. Eligibility depends on the individual’s service history and VA requirements. There is no single checklist that applies to every borrower, and service details can vary. Phil can help review your situation and determine the next steps — including whether a VA loan may be worth considering alongside other financing options. Certificate of Eligibility (COE) A Certificate of Eligibility confirms a borrower’s VA home loan eligibility. It can often be obtained as part of the mortgage process — you do not need to have a COE in hand before reaching out to Phil. Phil can help you understand how the COE typically fits into a VA loan and what to expect as the process moves forward. Part of the Process If a VA loan appears to be a fit, the COE is often requested during the mortgage process rather than as a separate first step. Phil can walk you through what that may look like for your situation. Why Consider a VA Loan? For eligible borrowers, a VA loan can offer meaningful financing advantages — without treating any one benefit as automatic for every situation. Your VA Benefit Is Worth Understanding VA financing can be one of the strongest home financing options available to eligible borrowers, but every situation is different. Veterans and service members are encouraged to compare the VA option with other available financing rather than assuming one program is automatically best. Phil can help you weigh a VA loan against other programs based on your goals, finances, property, and overall scenario. VA Funding Fee A brief look at how the VA funding fee may work. What It Is Many VA loans include a funding fee. The amount can vary based on the transaction and borrower circumstances. Who May Be Exempt Some eligible borrowers may be exempt from the funding fee. Whether an exemption applies depends on the borrower’s circumstances and VA requirements. Phil can help you understand how this may apply in your situation. VA Interest Rate Reduction Refinance Loan (IRRRL) Eligible existing VA borrowers may have access to an Interest Rate Reduction Refinance Loan, often called an IRRRL. This refinance option is intended to help certain borrowers reduce their interest rate or otherwise improve their VA loan, subject to eligibility and program requirements. VA Cash-Out Refinancing VA cash-out refinancing may allow eligible borrowers to refinance and access a portion of their home’s equity, subject to eligibility and requirements. Whether a cash-out refinance is available — and how it works — depends on the borrower, the property, and applicable VA and lender guidelines. Frequently Asked Questions Get answers to common questions about VA loans and benefits {faqs.map((faq, i) => (