VA HOME LOANS

The Best Mortgage Option for Veterans and Military Members

At Champions Mortgage, we take pride in serving veterans, active-duty military personnel, and surviving spouses by offering VA Home Loans—one of the best mortgage options available. Whether you’re looking to buy a home with no down payment, secure low VA loan rates, or refinance your existing VA mortgage, we’re here to help you take advantage of your well-earned benefits.

VA Loans offer a range of benefits that make them the top choice for military families and veterans:

No Down Payment Required

VA Home Loans allow eligible borrowers to purchase a home with 0% down, making homeownership more accessible than ever.

Competitive Interest Rates

VA Loan rates are often lower than conventional mortgage rates, which means lower monthly payments and long-term savings.

No Private Mortgage Insurance (PMI)

Unlike conventional loans, VA mortgages do not require PMI, saving you hundreds of dollars per month.

Easier Qualification

The VA Loan credit score requirements are more flexible than conventional mortgages, making it easier for veterans with lower credit scores to qualify.

Reduced Closing Costs

The VA limits the closing costs that lenders can charge, making your home purchase more affordable.

VA Loan Refinance Options

Already own a home? You can refinance your VA Loan through VA Streamline Refinance (IRRRL) to get a lower rate and save money.

Signing a home loan purchase agreement with a real estate agent.

Who Qualifies for a VA Loan?

To qualify for a VA Home Loan, you must meet one of the following service requirements:

  • Active-Duty Military Members – Served at least 90 consecutive days during wartime or 181 days during peacetime.
  • Veterans – Discharged honorably after meeting service requirements.
  • National Guard & Reserve Members – Served at least six years, or 90 days of active service.
  • Surviving Spouses – Unremarried spouses of veterans who died in service or from a service-connected disability.


To confirm your VA Loan eligibility, you’ll need a Certificate of Eligibility (COE). Don’t worry—our team at Champions Mortgage can help you obtain it.

The Champions Mortgage Advantage

When you choose Champions Mortgage for your VA Loan, you get:

VA Loan Experts

Our team specializes in VA Home Loans, ensuring you receive the best guidance throughout the home-buying process.

Competitive VA Loan Rates

We offer some of the lowest VA mortgage rates available to help keep your payments low.

Fast & Easy Loan Process

We streamline the VA Loan application process, so you can get approved quickly and with minimal hassle.

Dedicated Customer Support

Our mortgage specialists provide personalized service every step of the way.

100% Transparency

We ensure you understand your VA Loan benefits, requirements, and costs upfront—no hidden fees.

Simple 4-Step Process

How to Apply for a VA Loan

We make the VA Loan application process as simple as possible:

1

Get Pre-Qualified

Fill out our easy online application, and our loan experts will review your eligibility.

2

Secure Your VA Loan Benefits

We’ll guide you through obtaining your Certificate of Eligibility (COE) and explain your VA mortgage options.

3

Find the Best VA Loan Rates

We’ll help you compare VA Loan rates and programs to choose the best financing solution for your needs.

4

Close with Confidence

Once approved, you can close on your VA Home Loan quickly and start enjoying homeownership!

VA Loan Success Stories

Hear from our happy homeowners who have successfully used VA Loans:

Frequently Asked Questions About VA Loans

There’s no official minimum credit score required by the VA, but most VA lenders prefer a score of 580-620. If your credit is lower, we may still be able to help!

Get Started with Your VA Loan Today!

If you’re ready to buy a home with no down payment, secure low VA Loan rates, and take advantage of your VA benefits, Champions Mortgage is here to help!

Call Us Today

(281) 727-2500

Email Us

info@championsmortgageteam.com

Visit Us

16525 Lexington Blvd. Suite 200, Sugar Land, Texas 77479

At Champions Mortgage, we are honored to assist our nation’s heroes in achieving affordable homeownership. Let us help you navigate the VA Loan process with expert guidance and unbeatable service!

Apply Now to start your VA Loan application and get pre-qualified today!