At Independent Home Finance, Inc., we’re honored to serve veterans in California, Colorado, and Texas by providing VA Loans designed to support homeownership and financial flexibility. With decades of experience helping veterans navigate the home-buying process, our team is here to help you leverage your benefits to secure a new home, refinance, or even consolidate debt.
What is a VA Loan?
A VA Loan is a long-term financing option for veterans, active-duty service members, and eligible spouses seeking to purchase a home or refinance an existing mortgage. Backed by the U.S. Department of Veterans Affairs, VA Loans are offered by qualified lenders like us, ensuring you receive trusted, reliable support every step of the way.
Key Benefits of VA Loans
Zero Down Payment
VA Loans allow financing of up to 100% of the home’s value without requiring a down payment.
Lower Interest Rates
Enjoy fixed 30-year rates often below other financing options.
No Mortgage Insurance
VA Loans eliminate the need for monthly mortgage insurance payments, helping keep your overall payments lower.
Flexible Credit Requirements
Consolidate debt or fund other expenses by cashing out up to 100% of your home’s value, potentially lowering your monthly obligations.
A VA Loan offers eligible veterans and service members the opportunity to purchase or refinance a home with up to 100% financing, no monthly mortgage insurance, and competitive rates, making homeownership more accessible and affordable.
Are You Eligible for a VA Loan?
Understanding eligibility is key. To qualify, you must have received an honorable discharge and meet one of the following service criteria:
- 90 consecutive days of active service during wartime, or
- 181 days of active service during peacetime, or
- 6 years of service in the Reserves or National Guard, or
- Surviving spouse of a service member who passed away in the line of duty or due to a service-related disability.
Need help determining your eligibility? Our team at Independent Home Finance, Inc. can quickly verify your qualifications and help you move forward confidently.
Why Choose a VA Loan for Debt Consolidation?
For many veterans, using a VA Loan to consolidate debt can offer much-needed relief from high monthly payments or unexpected financial obligations. By consolidating debt through a VA Loan, you can streamline monthly obligations, reduce high-interest debt, and regain control over your financial health. Contact us to discuss your specific scenario and explore the most effective way to manage your debt with a VA Loan.
Common VA Loan Questions:
Documentation Needed to Start Your VA Loan Application
Getting started with a VA Loan is simple. Here’s what you’ll need:
- Completed Loan Application (start online in just 15 minutes through this link)
- Current Mortgage Statement or Purchase Agreement
- Homeowners Insurance Declarations Page
- Driver’s License and Social Security Card
- Pay stubs covering the last 30 days
- W2s and tax returns covering the past two years
- DD214 and/or Certificate of Eligibility (COE)
Why Choose Independent Home Finance, Inc. for Your VA Loan?
Our team is personally committed to helping veterans understand and optimize their VA Loan benefits. With extensive experience and knowledge of the VA Loan process, we’re here to guide you through each step, answer your questions, and ensure you have all the information you need to make informed financial decisions.
Whether you’re buying your first home, refinancing, or considering debt consolidation, we’re here to help you maximize the unique advantages of a VA Loan.
Contact Independent Home Finance, Inc. Today!
Ready to begin your VA Loan journey in California, Colorado, or Texas? Connect with our knowledgeable team for a free consultation to see how a VA Loan can work for you.
What our clients are saying
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Mr. Kyle was responsive to my requirements and concerns with cooperation and friendliness that I appreciated. It was a pleasure doing business with him and his organization.
Tyrone Ware
Tim is an excellent resource on all things home finance and extremely gracious with his time and assistance with advice on how to improve one's credit profle and scores.
James Lawrence
Very helpful and so easy to talk to, highly recommend. He actually cares!
Paul Carpenter
Tim provided us with amazing service, we are 100% satisfied and highly recommend
Richard Foden
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After speaking with Tim, I learned that while he doesn’t currently service my state, he generously shared a wealth of information and directed me to a company that can meet... read more
dorshalee
Tim worked quickly and did a great job getting our loan approved and through underwriting.
Ralph Trigg
Tim is super helpful and very resourceful. He is very professional and knowledgeable.
Lina Mikhal
Tim is the best! If he can't fund your project, no one can, very, very knowledgeable too!!!
Keith Ayers
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If you think you can’t get a mortgage or a refi with cash out, think again. I was impossible, and it got done with no hiccups. Highly recommend!
Daniel
Extremely knowledgeable and willing to go extra mile. Highly recommend. Tim is a true professional in his field.
Noah Nazzaro
Tim Kyle was extremely well informed and tremendously helpful. He anticipated my needs, provided well thought out feedback, and gave me answers to questions I didn't even know to ask.... read more
Jay Daughtry
Tim Kyle responded promptly and offered a few options for our situation. He was friendly and knowledgeable. Highly recommend Tim.
Allen Evans
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Tim Kyle is extremely knowledgeable and is able to share that knowledge with you in a way that is easy to understand. I never felt like I was asking “dumb... read more
Kathleen Gair Levin
Tim was amazing! He made what seemed impossible, possible! He sure has talent and is very knowledgeable! Will be referring more clients to him in the future!! Thanks again, Tim!
Marianna Gutierrez
I recently worked with Independent Home Finance Inc. to get a second mortgage, and I was extremely impressed. They took the time to understand my needs and walked me through... read more
Nick Castellano
Tim is amazing to work with!! My family and I have been working with him for years and he always gets the best rates and deals. His attention to detail... read more
Bryan Centrone
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Tim Kyle has been my go to home finance specialist for the past 4 years. He is very detail oriented with expertise across multiple related areas. He provides... read more
Joyce Veasley
They did a great job getting our loan. Everything went smoothly. Thanks Again Ian and Tim, you guys are the best. Will Definitely refer anyone we know who needs your... read more
william schulke
To anyone seeking guidance and exceptional customer service with loans and refinancing, my wife and I highly recommend you contact Independent Home Finance, Inc, I've worked with Tim on several... read more
Michael Berry
Tim was amazing in helping me get my loan done. I got denied from four other companies, who all said they couldn’t do it - but Tim figured out a... read more
Gary Patterson
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