VA loan benefits
- No down payment for eligible borrowers with full entitlement
- No monthly mortgage insurance
- Limits on certain closing costs paid by the veteran
- A VA funding fee that can be financed, and is waived for many veterans receiving disability compensation
Loan limits and entitlement
Borrowers with full VA entitlement have no VA loan limit. If part of your entitlement is in use, the county conforming limit ($832,750 in most of Arizona for 2026) helps determine how much you can borrow without a down payment.
Serving Arizona's military community
Greg works with buyers connected to Luke Air Force Base in the West Valley, Davis-Monthan Air Force Base in Tucson, Fort Huachuca, and Yuma, plus veterans throughout the Phoenix metro. VA one-time close construction loans are also available for building a home.
Getting started
You'll need a Certificate of Eligibility (COE), which Greg can usually request for you online, plus standard income and asset documents.
Frequently asked questions
Can I use a VA loan more than once?
Yes. VA entitlement can be restored after you sell and pay off a VA loan, and in some cases you can have more than one VA loan at a time.
Can I build a home with a VA loan?
Yes. VA one-time close construction loans are available through participating lenders. Greg compares options for your build.
What is a VA IRRRL?
An Interest Rate Reduction Refinance Loan is a streamlined refinance from one VA loan to another, usually with limited paperwork and no appraisal required.
Information is general and current as of November 2026. Program availability, terms, and limits change; Greg confirms what applies to you.