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Purchase

Thank you for your service. Let's get you home.

VA home loans are one of the best benefits you've earned. Backed by the U.S. Department of Veterans Affairs, they help eligible veterans, service members, and surviving spouses buy or refinance a home with terms that are hard to beat.

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Who's eligible

  • Veterans
  • Active-duty service members
  • National Guard and Reserve members who meet service requirements
  • Eligible surviving spouses

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What you'll need when you apply

You do not need any documents to talk with us. Call or schedule a time, and we will walk you through your options. When you are ready to apply, you will need:

  • Certificate of Eligibility (COE). We can help you request it.
  • Income and asset documents
  • Photo ID

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VA loan calculator

Sample rate. Replace with your own. Freddie Mac's weekly survey covers conventional conforming purchase loans, not VA loans, so the starting number is only a sample. It is not Summit's rate.

Sample rate. Replace with your own.

Estimated principal and interest

Enter a rate to see a payment.

The calculations provided are estimates based on the information you've provided and current market rates. Actual VA loan terms, rates, and available amounts may vary based on lender criteria, credit score, and other factors. This calculator is for informational purposes only and does not constitute a loan offer or guarantee of credit.

Funding fee percentages follow the VA chart effective April 7, 2023: 2.15% on a first use with less than 5% down, 3.30% after a prior VA loan with less than 5% down, 1.50% at 5% down, and 1.25% at 10% down or more. A qualifying disability exemption sets the fee to zero. Your Certificate of Eligibility confirms the exemption.

L. Alley Loans, Inc dba Summit Home Lending, NMLS #339255. Equal Housing Opportunity. Equal Housing Opportunity Licensing Disclaimer

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Available in

California, Arizona, Colorado, and Florida.

What a Certificate of Eligibility does is explained on VA Certificate of Eligibility. Purchase overview: purchase.

Frequently asked questions

Which states can use a VA loan here?
California, Arizona, Colorado, and Florida, for a primary residence.
Do I need documents before we talk?
No. Call or schedule a time first. The Certificate of Eligibility, income documents, and photo ID are for when you apply. We can help request the certificate.
Is the calculator a rate quote?
No. The rate is a sample you can replace. It is not Summit's rate and not an APR. The funding fee changes when you select a prior VA loan or a disability exemption.

Results are estimates for planning only. Your actual payment depends on your rate, taxes, insurance, and loan terms. Talk with us for a personalized quote.

VA loan benefits

  • No money down. Finance 100% of the home's value for eligible borrowers.
  • No monthly mortgage insurance. That can mean a lower monthly payment.
  • Flexible credit guidelines.
  • Funding fee waived for veterans receiving VA disability compensation of 10% or more.
  • Reusable benefit. You can use your VA loan benefit more than once.

Who's eligible

  • Veterans
  • Active-duty service members
  • National Guard and Reserve members who meet service requirements
  • Eligible surviving spouses

Talk to a Loan Officer

What you'll need when you apply

You don't need any documents to talk with us. Call or schedule a time, and we'll walk you through your options. When you're ready to apply, you'll need:

  • Certificate of Eligibility (COE). We can help you request it.
  • Income and asset documents
  • Photo ID

Get Started

Refinancing a VA loan

  • VA Interest Rate Reduction Refinance (IRRRL). A streamlined way to lower your rate on an existing VA loan, often with less paperwork.
  • VA Cash-Out Refinance. Use your equity for home improvements, debt payoff, or other goals.

Where this is available

California, Arizona, Colorado, and Florida.

Program availability can vary by state and property. Contact us to confirm options for your home.

Frequently asked questions

Which states can use a VA loan with Summit?
California, Arizona, Colorado, and Florida.
Do I need documents before we talk?
No. Just call or schedule a time. We'll tell you what you'll need when you're ready.
What is a Certificate of Eligibility?
It's the document that confirms your VA loan eligibility. We can request it for you in most cases.
Is the calculator a rate quote?
No. The calculator uses a sample rate to give you a rough idea. Your actual rate and payment depend on your full application.
Can I use my VA benefit more than once?
Yes. In many cases you can use it again, even if you've had a VA loan before.

Ready to talk it through?

Tell us a little about your goals and we'll walk you through your options. No cost, no obligation.

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