VA Loan Program – Honoring Those Who Served
At Michael Pendergist, we proudly serve the brave men and women who’ve served our country by offering dedicated VA Loan programs. Whether you’re stationed in Arvada, Colorado, transitioning to civilian life in Texas, or looking to purchase in Florida, our VA Loan program helps eligible veterans, active-duty service members, and surviving spouses secure affordable home financing—with no down payment, no private mortgage insurance, and competitive rates.
Affordable Homeownership with No Down Payment
VA Loans are one of the most powerful benefits available to military families. With zero down payment, limited closing costs, and no monthly PMI, VA Loans make it easier to buy a home in markets like Arvada, Kansas, or Arizona without the typical financial burden. We streamline the process and ensure that your military service is recognized with the mortgage benefits you’ve earned.
Flexible Options for First-Time or Repeat Buyers
Whether you’re purchasing your very first home, upgrading to a larger residence, or refinancing in states like Missouri, California, or Wyoming, the VA Loan program adapts to your evolving needs. We’ll help you determine your entitlement, confirm your eligibility, and guide you through every phase—from your Certificate of Eligibility (COE) to closing.
Key Benefits of Using Our Loan Programs
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Tailored Solutions for Every Situation
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Local Expertise with Multi-State Reach
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. Fast, Transparent, and Personalized Process
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Support for All Borrowers—Traditional or Unique
Personalized Service from a VA-Certified Lending Expert
Our mortgage process is built around service, transparency, and respect for your time. We handle VA-specific documentation, appraisals, and underwriting requirements so you can enjoy a streamlined experience. Whether you’re purchasing in Arvada or exploring opportunities in Arizona, Florida, or Texas, you’ll work with a team that understands the VA system inside and out.
Financial Clarity from Day One
Our team breaks down all costs, timelines, and expectations so you’re never caught off guard. From interest rates to down payment options and closing costs, we keep everything transparent. Whether you’re buying in Kansas or California, our loan experts keep you fully informed at every step.
We are known for
Personalized Purchase Loan Strategies
Trusted in 8 States Including Colorado
First-Time Buyer Friendly Options
Fast Pre-Approvals and Clear Communication
"FAQs"
We offer a wide variety of mortgage solutions including Purchase Loans, First-Time Home Buyer Loans, Down Payment Assistance, VA Loans, FHA Loans, DSCR Loans, USDA Loans, Jumbo Loans, Bank Statement Loans, Investor Loans, Renovation Loans, and Fix and Flip Loans. These are available to clients in Arvada, Colorado, and across Wyoming, Arizona, Texas, Florida, Missouri, California, and Kansas.
FHA Loans are great for buyers with lower credit scores and smaller down payments. VA Loans are exclusively for eligible veterans and active-duty service members, offering zero-down financing. USDA Loans provide 100% financing for buyers in eligible rural and suburban areas with moderate income.
Down Payment Assistance programs help cover part or all of your down payment and sometimes closing costs. These are often available through local or state programs in areas like Arvada, Texas, or Missouri and may come as grants or forgivable second loans.
Debt Service Coverage Ratio (DSCR) Loans are for real estate investors. These loans are approved based on the income generated by the property rather than the borrower’s personal income—ideal for those with strong cash-flowing assets in markets like Arizona or California.
Yes. If you’re self-employed and don’t have traditional income documents like W-2s, a Bank Statement Loan uses 12–24 months of personal or business bank statements to determine income. We help many clients in Arvada and across Florida and Texas with this option.
Yes. FHA Loans and some non-QM programs like Bank Statement or Hard Money Loans can accommodate lower credit scores. We assess your full financial picture to find the right loan product.
Simply reach out to our team to start your application. We offer an easy digital process, fast pre-approvals, and personalized support every step of the way—whether you’re buying your first home or scaling your investment portfolio.
Supporting Veterans Beyond the Mortgage
At Michael Pendergist, we do more than just provide VA Loans—we serve those who served us. Whether you’re purchasing in Arvada, Colorado, or relocating to Texas, Arizona, or Florida, we bring unmatched dedication and personal care to every veteran we assist.
