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Guidance for your VA home loan journey

VA Loan Options

Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.

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No obligation, no credit check

1-Minute request

Explore your VA loan benefits

VA Eligibility

Home Purchase

Refinance Options

Streamline IRRRL

Cash-Out Refinance

VA Loan Overview

The VA Loan is a valuable tool that military members and veterans may use to pursue home ownership.

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VA Loan Eligibility

The VA home loan program is one of the most impactful benefits available to U.S. military Veterans.

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VA Purchase Loan

A VA Purchase Loan is a mortgage program designed specifically for eligible Veterans.

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VA Loan Refinance

There are two main ways to refinance your VA loan.

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Streamline (IRRRL) Refinancing

A Clear Guide to the VA Interest Rate Reduction Refinance Loan.

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VA Cash-Out Refinancing

Refinance your home loan and tap into the equity.

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- Quick 1-minute loan request

Let's start with where you are

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- Step 1 of 25

What’s your main goal right now?

I want to purchase
I want to refinance

Why do you want to refinance?

Lower my rate
Take cash out
Pay off debts
Change loan term
other

What is your (or your spouse's) branch of military service?

Army
Marine Corps
Navy
Air Force
Coast Guard
National Guard
Military Spouse
Other VA Eligibility
No Military Experience

Regular Military, Reserves, or National Guard?

Regular Military
Reserves
National Guard

If multiple, select the option that best describes the majority of your military service.

Are you or your spouse currently serving?

Currently Serving
Separated

Where are you currently stationed?

Inside the U.S.
Outside the U.S.

What is the estimated value of your property?

Selected Value: $0

Use the slider to select the price range of homes you're interested in (it's OK to estimate)

What is the approximate purchase price of the new property?

Selected Value: $0

(It's OK to estimate)

Have you received orders to PCS?

No, this is not a PCS move
Yes, this is a PCS move

What type of home is it?

Single Family
Townhouse
Condominium
Multi-Family
Mobile
New Construction

What is the use of the home?

Primary Residence
Vacation Property
Investment Property

Where are you in the home buying process?

Signed a purchase contract
Found a home
Looking to buy within one month
Looking to buy in 1 to 3 months
Looking to buy in more than 3 months

Do you currently own a home?

Yes, I own
No, I am renting
No, other arrangements

Is this your first time purchasing a home?

How much do you have for a down payment?

Selected Value: 0%

(It's OK to estimate)

Single Item

Down Payment: $0.00

What is the balance of your first mortgage?

Selected Value: $0

(It's OK to estimate)

What is the interest rate of your first mortgage?

Selected Value: 0

(It's OK to estimate)

How much additional cash do you wish to borrow?

Selected Value: $0

(It's OK to estimate or if no cash-out leave at $0)

What is your household gross (before taxes) annual income?

Less than $30,000
$30,000 - $50,000
$50,000 - $75,000
$75,000 - $100,000
Greater than $100,000

What type of loan is your current mortgage?

Conventional
VA
FHA
USDA
I don't know

Have you ever used a VA Loan before?

Are you currently receiving VA Disability Income?

Yes
No
I'd rather not say

is from household

Do you have a disability rating of 10% or higher from the VA?

Yes
No
I'd rather not say

Your disability rating may exempt you from the VA Funding Fee, a governmental fee applied to every VA purchase and refinance loan. This fee goes directly to the Department of Veterans Affairs.

What is your credit score?

Excellent 740+
Good 700-739
Average 660-699
Fair 600-659
Poor < 600

Where is the home located? *

City or Zip Code

What is your first name? *

What is your last name? *

What is your email address? *

What is your phone number? *

Communications Policy. *

I agree to the Communications Policy.

We may communicate with you in a variety of different ways including by email, voicemail, mail, text and SMS messaging, and in person. Some communications occur through multiple channels. Such communications are confidential and only intended for you or persons authorized to act on your behalf. By using the Service, you acknowledge the following communications-related practices. By providing a telephone number and submitting the form you are consenting to be contacted by SMS text message (our message frequency may vary). Message & data rates apply. Reply STOP to unsubscribe from further messaging. Reply HELP for more information. See our Privacy Policy

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About Us

Founded in 1996, 1st Capitol Mortgage, Inc. is a full service mortgage brokerage with 1000s of happy customers we call friends.

We operate under The Turnkey Foundation Inc. DBA 1^st Capitol Mortgage.

Company NMLS #205695

Equal Housing Opportunity

8408 Port Royal Ln
McKinney, TX 75072
972-755-0102
Email Us Today

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The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.