Check today's VA loan rates - see what you qualify for

You've Spent Years
Protecting Others

It's time to protect your family's future. Use your VA benefit for $0 down, no PMI, and competitive rates.*

500+ Veterans Helped
21-Day Avg Close
5.0 Star Rating

Free, 2 minutes, no credit check required

$0

Down Payment Required

No PMI

No Mortgage Insurance

21 Days

Average Close Time

*Savings vary based on loan amount, credit profile, and market conditions. Not all applicants will qualify. Subject to credit approval. Equal Housing Lender. NMLS #1570582

Licensed in11 States
Veterans Helped500+
Average Rating5.0★
Close In21 Days

Simple, Veteran-Focused Process

From eligibility check to closing, we guide you every step of the way.

1

Check Your Eligibility

Answer a few quick questions to confirm your VA loan eligibility. No hard credit pull required.

2

Get Pre-Approved

A VA loan specialist reviews your situation and provides a pre-approval letter so you can shop with confidence.

3

Find Your Home

Work with your real estate agent to find the perfect home, knowing exactly what you can afford.

4

Close & Get Your Keys

We coordinate with all parties to get you to closing fast—typically in 14-30 days.

Find the Right Loan for Your Situation

Whether you're buying your first home or refinancing your current one, we'll match you with the best option for your goals.

Popular

VA Loans

Buy with $0 down payment, skip PMI entirely, and get competitive rates backed by your VA benefit.

Learn more

Conventional Loans

Not a veteran? We have competitive conventional options for first-time buyers and investors alike.

Learn more

Refinancing

Already own? Lower your payment, shorten your term, or access your equity. VA IRRRL refinancing available.

Learn more

Why Veterans Choose Exceed Financing

Most lenders treat VA loans as an afterthought. We built our entire company around them. That focus means better rates, faster closings, and loan officers who actually understand your benefits.

VA Loan Specialists

We focus on VA loans, not everything under the sun. Our deep expertise means we catch opportunities other lenders miss.

As Fast as 14 Days

Our streamlined process closes loans in as few as 14 days. When you find the right home, we move fast.

One Point of Contact

Your dedicated loan officer from application to closing. No getting passed around or repeating your story.

Rate Check Advantage

Got a quote? Let us compare it and explore better options. No pressure, just clarity.

The VA Loan Advantage

Down Payment
$0vs 3-20%
PMI Required
Noneever
Interest Rates
CompetitiveVA-backed
Closing Speed
21 Daysaverage

From Application to Keys in 14-30 Days

Here's exactly what to expect during your VA loan journey. We keep you informed every step of the way.

Pre-Approval

1-3 days

Apply online, we verify your eligibility and pull your COE

Home Shopping

At your pace

Find your perfect home with your pre-approval in hand

Processing

7-14 days

VA appraisal, document verification, title search

Underwriting

3-7 days

Final review and loan approval

Closing

1 day

Sign documents and fund your loan

Move In!

Same day

Get your keys and start your new chapter

Average total time: 14-30 days • We've closed in as fast as 14 days when needed

Real Veterans. Real Savings.

These aren't marketing testimonials. These are real numbers from veterans who trusted us with their home purchase.

1 Month Close

“AJ was great! He helped us refinance our home loan to a lower interest rate and we also got money out for home improvements. We closed in a month!”

M

Matthew Valder

Refinance

First Home

“AJ and his team were fabulous to work with. My husband and I were first time home buyers and had no idea what the process looked like.”

M

Maria Petroni

First-Time Homebuyer

Effortless

“I was pleasantly surprised at how effortless AJ and his team made the home buying process.”

D

Daniel Tolbert

Homebuyer

Great Team

“Me and my partner really enjoyed working with AJ and the company! They have a really great team!”

A

Alycia Torres

Homebuyer

Proactive

“AJ was very helpful and proactive in coming up with different scenarios during my house search.”

M

Mohit Athwani

Homebuyer

500+

Veterans Helped

$0

Down Payment

21 Days

Avg. Close Time

5.0/5

Client Rating

VA Loan Questions, Answered

Get answers to the most common questions about VA loans.

Yes! Many eligible veterans can purchase a primary residence with no down payment through a VA loan, subject to lender requirements and the property appraisal. This is one of the most powerful benefits of the VA loan program.

No. VA loans do not require monthly private mortgage insurance (PMI), which can significantly reduce your monthly payment compared to FHA or conventional loans with less than 20% down.

In many cases, yes. VA entitlement can often be restored or reused. You may be able to have multiple VA loans at once or restore your entitlement after paying off a previous VA loan. We can help you review your specific entitlement situation.

No. Our initial VA eligibility check does not involve a hard credit pull. We only perform a credit check when you decide to move forward with a full loan application.

Yes, VA loans can often be used for 2-4 unit properties as long as you live in one unit as your primary residence. This is a great strategy for house hacking—letting rental income help cover your mortgage.

Timelines vary, but many VA purchases close in about 14-30 days once you are under contract and fully documented. We pride ourselves on fast, reliable closings and keep you updated throughout the process.

Every Month You Rent, You Pay Your Landlord's Mortgage

Use your VA benefit to pay your own instead.

$0 down payment, no PMI, and competitive rates backed by the VA.

Your benefit doesn't expire. See what you qualify for today.

Average response time: Under 2 hours

2 minutes • No credit check • No obligation

Licensed in CA, NV, OR, TX, GA, TN, AZ, CO, NC, SC, FL