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USAVA is a VA Approved Lender

Welcome to USA Home Loans



At USA Home Loans, we're committed to helping our customers make the absolute best lending decisions to fit their individual needs. We've helped hundreds of people just like you purchase their first homes or refinance their existing homes to achieve their goals!

Whether you are purchasing a home or refinancing, our expert team of loan professionals is committed to helping you secure the best home loan to fit your needs with some of the lowest rates and fees in the industry. We proudly offer 5 star customer service and our excellent rating with the BBB and Business Consumer Alliance is proof of our dedication to our customers.

Our top rated loan specialists are waiting to help you today!

Call us today to get started!

Unbeatable Rates

We encourage our customers to shop and compare. Go ahead, pick 3 to 4 lenders and ask for an estimate. just make sure USA Home Loans is one of them. We have some of the lowest rates and fees in the industry and that's why we are looking out for YOUR best interests.

Lower Your Payment

With some of our loan products you can refinance up to 100% of the value of your home to receive cash out for any use. Pay off high interest rate credit cards or installment loans. Now is a great time to pull cash out for home improvements or to help your son or daughter with college. We have many refinance options to fit your specific needs. Ask a representative for more information today.

Purchasing a Home?

The first step before looking for a home is to be pre-qualified. When shopping for a mortgage you want to look up the companies rating on the BBB. We are proud of our A+ rating with BBB and competitive financing. The lower the rate and fees the greater the purchase power for the consumer. We have some of the lowest rates and fees for Jumbo, VA, Conventional, FHA and USDA financing. Click her to apply today!

Don't wait! Get prequalified today and we're ready to help!



VA Loan Eligibility

Find out if you are eligible for a VA Loan today! USA Home Loans is here to help you determine your eligibility as well as answer any VA loan questions you may have. Our “A” rating from the Better Business Bureau means you can trust in our our quality products and our commitment to providing unbeatable customer service. You can be confident that our dedicated loan specialists will be with you every step of the way.

Lower Monthly Payments | NO Money Down | Easy to Qualify

We will assess your individual needs and goals and help to educate you on your VA loan benefits and the VA loan process. We are committed to helping you get the best rate possible with a smooth, low stress transaction. Whether you are refinancing an existing loan to dramatically lower your payments or are buying a new home, USA Home Loans is the best choice for all of your lending needs.

Find Out More

Eligibility for VA Loans includes one of the following:

  • You have served 90 consecutive days of active service during wartime
  • You have served 181 days of active service during peacetime
  • You have more than 6 years of service in the National Guard or Reserves
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.

Refinancing Options

The VA Interest Rate Reduction Refinance Loan (IRRRL) lowers your interest rate by refinancing your existing VA home loan and is one of the few remaining mortgage options for borrows that don’t have a down payment. Additionally, an IRRL is typically easier to qualify for than conventional mortgage choices.

If you are considering lowering your monthly mortgage payments and are either a veteran or active military, please give USA Home Loans a call today. We will carefully assess your situation to find your very best options and we will never try to sell you something that doesn’t make sense. At the very least, you’ll walk away with useful information to consider.

USA Home Loans is an Equal Housing Lender and a member of the Better Business Bureau with a solid reputation of excellence. Call us today or email us to get started!

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IRRRL Facts

  • No appraisal, income or assets required when qualifying for a VA streamline refinance.
  • No credit score required and you can skip up to 2 mortgage payments.
  • Convert your VA Adjustable Rate Mortgage to a VA Fixed mortgage while interest rates are still low.
  • At USA Home Loans, we welcome you to compare us to other lenders. We are confident that we offer the best rates and terms in the industry with the most experienced VA loan specialists.
  • You may receive up to $500.00 cash out at closing from the loan proceeds.

See What Our Customers Say...

In all the years of home ownership, and the countless applications for mortgages and refinances, never have we gone through a process that went so smooth and on schedule before; and got us into our VA Loan that we tried for many years before. USAVA made the process so relaxing we kept wondering why other institutions can't adopt the same principles as those utilized by USAVA. The staff is fantastic, very knowledgeable, kept you updated every step of the way; and if need be were there to hold your hand through the entire process. I will always use USAVA as my first stop for home mortgages/refinancing and look forward to the next time!
Michael Nausin
Michael Nausin
16:53 01 Mar 18
These guys were awesome. My wife and I have done both a home purchase and a refinance with them over the years, and each time it's been great. Anyone that's done this kind of thing knows it can be stressful to pull all the documentation together. They had people helping us through not only which documents to put together but how to organize them to make the process move quicker. They also just lay everything out so it all makes sense rather than it being a mystifying experience and we were never left wondering what was going on. Highly recommend USAVA.
Josh White
Josh White
19:39 31 Jan 18
USAVA helped me refinance in 2016. Everyone was very helpful and was able to answer any questions that I had. If I called for some reason, one of the representatives replied that same day, most times within the hour. Mark has been knowledgeable and helpful when I called to ask if I should refinance again since that date and explained in detail why I should or should not make any changes to my current rate. The USAVA gained my trust and loyalty from the very beginning.
Dennis Dingman
Dennis Dingman
23:14 12 Feb 18
This is Michael Barr, the other half of Joy Barr, and I want to add that the staff at USAVA we're both helpful and informative in our last house purchase. I felt respected as a veteran and always felt they had our best interests in mind and would not hesitate to recommend USAVA to another. Thanks again, Mike. (1st Inf Div/1972)
Joy Barr
Joy Barr
01:38 01 Mar 18
This was the best experience I have ever had financing a home. Alex and Dwayne are TRUE PROFESSIONALS. USAVA Lending made this like a walk in the park. KUDOS to ALL concerned at USAVA. Thank You for being there when I needed you.
MICHAEL ROE
MICHAEL ROE
21:04 02 Feb 18
Without a doubt, the most professional and positive home mortgage experience I've had. The entire USAVA team works together to get you the best rates and lenders available. Amanda Graham, in particular, was great! She kept us informed every step of the way--even though she had just had her baby! It's funny, we stumbled into USAVA by accident--and it was the most fortunate "accident" we've ever had.
G Smith
G Smith
03:50 09 Jun 18

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Why Choose USA Home Loans?


We're a Military Focused Lender We Are A Military Focused Lender

USA Home Loans specializes in VA loans which gives us the opportunity to provide the absolute best service possible to those who have proudly served our country. We also partner with local and national organizations where we give back to those that bravely serve our country.

VA Lending and Refinancing Specialists VA Lending Expertise

Our expert team specializes primarily in VA loans. We have the knowledge to educate you on your options and the experience to find the best possible loan solution for you.

We will work with you throughout the entire loan process to provide a smooth transaction and ensure your complete satisfaction.