VA loans are backed by the U.S. Department of Veterans Affairs and come with great benefits for Gilbert home buyers, such as no money down and competitive interest rates. You also don’t have to have perfect credit, or even near-perfect credit to apply.
Active military service members, honorably discharged veterans, National Guard and Reserve members, and spouses of fallen service members can get a VA loan if they meet the eligibility requirements.
The Benefits for Gilbert Home Buyers
No Down Payment
This is a huge advantage for veterans and service members and the single-largest benefit of the VA loan.
No Private Mortgage Insurance
VA loans do not require that you pay private mortgage insurance (PMI), which other loans do.
Competitive Interest Rates
VA loans have some of the lowest interest rates on the market, which can save you thousands.
Relaxed Credit Requirements
Credit scores are typically lower for VA loans than what you would need for a conventional mortgage.
Eligibility Requirements
Active Duty Military: 90 consecutive days of service during wartime or 181 days of service during peacetime
National Guard & Reserves: 6 years of service
Spouses: Married to a service member who died in the line of duty or as a result of a service-related disability
FAQs
What housing markets do you serve?
We serve eight states, with areas as diverse as Tempe, Arizona, Las Vegas, Nevada, and San Bernardino, California.
What documents will I need to provide?
You’ll need to first obtain a Certificate of Eligibility (COE) from the Department of Veterans Affairs, which confirms for your lender that you qualify for a VA loan benefit. First, ask your lender if they can obtain the COE for you. Many lenders have access to a system that allows them to obtain it quickly. If your lender is unable to assist, you can also request a COE either online or by mail. You’ll find instructions on the Department of Veterans Affairs website.
If you are on active duty, you will need to obtain a State of Service signed by your unit commander or higher headquarters. The document must identify you and your social security number, show your date of entry, and reflect any time lost.
If you are a veteran, you will need to provide a copy of your DD Form 214 that identifies your condition of discharge.
For more details on the required proof of military service, you can reference the FAQs that the U.S. Department of Veterans Affairs provides online.
What types of property can I buy in Gilbert with a VA loan?
You can use a VA loan to purchase the same types of property that are eligible under other types of loans. That includes:
Single-family homes
Condominiums (must be located within a VA-approved complex)
Manufactured homes (must be attached to land that you own)
Modular or prefabricated homes (must be attached to a permanent foundation)
New construction (builders, plans, and sites must be VA-approved)
Can I use my Basic Allowance for Housing (BAH) to qualify?
Yes, your BAH is considered a verifiable and reliable income. It's factored into your debt-to-income (DTI) ratio, which is a key factor that helps determine if you qualify for a VA home loan.
Can I get a VA loan more than once?
Yes, you can! VA loans are not a one-time benefit—they are designed to be used throughout your lifetime, and there is no limit on how many times you can be eligible. In some cases, you can even have multiple VA loans simultaneously (for example, if you decide to turn your home into a rental and buy a new primary home for yourself with your remaining entitlement).
Here’s Why We Do What We Do
We recently refinanced our mortgage with Right Start. Both Allen Rodriguez and David Williamson were amazing. They were patient with all of my questions. They also explained the entire process and where we were in the process. Both called to congratulate me when our loan funded. I felt they actually valued my business. Thank you! I would highly recommend Right Start.
We would like to thank Jeff Aguilera for the time and knowledge he provided my wife and I with a very smooth transition in the purchasing of our house. Our real estate agent Emily suggested we go with Jeff and he did not disappoint. So thank you very much, again Jeff. It was a true pleasure working with you.
I highly recommend Right Start mortgage and David Leverage. The communication was fast and efficient from day one. I love the ability to do most of the paperwork online. I contacted other lenders prior to getting referred to David and never received a call back. David started my paperwork the next day. Great service and great people.
Why Right Start Is the Right Choice
Personalized Experience
We take the time to get to know you and your goals, then help you every step of the way.
Easy Loan Process
Close your loan in five easy steps—from finding out how much you can borrow to signing the final documents.
Family Owned & Operated
We take a personalized approach with every client and have built a loyal ‘fans for life’ following.
Experts Since 1989
With 30+ years of experience, we know what we’re doing, and we believe in transparency, trust, and excellent customer service.
Get to Know Us
We’re a family-owned and operated company with a solid team of qualified and enthusiastic mortgage specialists committed to personalized, individual service for each client. We educate, communicate, and are transparent about the loan process to make the experience as smooth as possible.
(800) 520-5626
