VA Home Loan

The VA Home Loan helps service members, veterans, and eligible surviving spouses to become homeowners. As part of our mission to serve you, we provide housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

VA Home Loans are provided by private lenders, such as ourselves! The D.O.D. Veterans Affairs guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

Before you buy, be sure to read the VA Home Loan Buyer's Guide. This guide can help you under the homebuying process and how to make the most of your VA loan benefit.

Download the Buyer's Guide
Veterans House

FOR VETERANS by VETERANS

E Mortgage Capital Veterans Badge

Here at E Mortgage Capital, service is our #1 pillar.
There is no singular group of individuals that have embodied that behavior, more than our Military Veterans. We are honored to be called home for multiple Veterans that we call family.

Rest assured, if you are a veteran looking for help with purchasing, building, modifying or restoring your home, you will be taken care of.
Who better to do that, than someone that has walked in your shoes?

For Veterans by Veterans.

Aaron Coleman

Aaron Coleman

Branch Manager

Edward Johnson

Edward Johnson

Branch Manager

Gregory Wagner

Gregory Wagner

Division Manager

Elliott Miranda

Elliott Miranda

Division Manager

Gabrielle Trachtman

Gabrielle Trachtman

Division Manager

Wilson Pibernus

Wilson Pibernus

Division Manager

Secondary Language: Spanish

Arthur Brison II

Arthur Brison II

Division Manager

Bernardo Dacasin

Bernardo Dacasin

Division Manager

Secondary Language: Tagalog

Barry Mathis

Barry Mathis

Loan Officer

David Hwang

David Hwang

Loan Officer

Secondary Language: Korean

Jared Dayoub

Jared Dayoub

Loan Officer

John Smith

John Smith

Loan Officer

Brent Zadina

Brent Zadina

Loan Officer

Dana Peterson

Dana Peterson

Loan Officer

Adam Turrubiartes

Adam Turrubiartes

Loan Officer

Secondary Language: Spanish

Justin Wright

Justin Wright

Loan Officer

Marcello Byrd

Marcello Byrd

Loan Officer

Jonas Leal

Jonas Leal

Loan Officer

Secondary Language: Spanish

Sandra Akaaboune

Sandra Akaaboune

Loan Officer

Jamaal Smith

Jamaal Smith

Loan Officer

Ready to Invest in your Future Dream Home?

The VA Loan is reserved for active duty, reservists, and military veterans. It is backed by the U.S. Department of Affairs. Active members of the military or veterans with an honorable discharge along with their family members are eligible to apply.

VA Home Loan

Down payment is not mandatory (it can be as low as 0%)

No need to sign for a mortgage insurance

More accessible credit requirements

You can choose your term options between 8 and 30 years

VA Home Loan is perfect for you?

A Loan Manager will contact you

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Not the Loan You're Looking for?

Nevermind, check out our other options

Conventional Home Loan

Home Purchase (Down payment as low as 3%)

No Private Insurance required with 20% down payment

Flexible Term Options Available for 8-30 Years

FHA Loan

Features initial down payment of 3.5%

Offers more flexible credit options to our borrowers

Requires additional mortgage insurance

Flexible Term Options Available 8-30 Years

Jumbo Loan

Higher loan amounts that exceed conventional county limits

Higher reserve requirements

More restrictive debt to income ratio requirements

Flexible Term Options Available 8-30 Years

Other - USDA and Non-QM

Alternative income methods verification accepted

Allows for interest only payment

Ideal for self-employed borrowers

Flexible Term Options Available 8-30 Years

Frequently Asked Questions About Home Loans

Can't find the answer you're looking for? Reach out to one of our qualified loan officers team.

  • What documentation should I have to request a mortgage?
    1. Tax returns - You will need to fill in a Form 4506-T, and provide your tax forms (the last 2 years should suffice).

    2. Pay stubs, W-2s, or other proof of income -These include your recent salary stubs. If you are self-employed you must provide two recent tax return forms as well as profit or loss forms.

    3. Bank statements and other assets - This includes proof of your possessions, assets, as well as other investment assets such as life insurance.

    4. Credit history - Details of your credit history, including any episodes of bankruptcies or foreclosures.

    5. Gift letters - If any friend or family member wants to help you with the down payment by offering you some cash you must provide a “gift letter” which states that the money is a gift and not a loan.

    6. Photo ID - Recently taken personal photo passport style.

    7. Renting history - Your history as a tenant on rent to guarantee you can pay your rent bills on time.
  • How long does the process take?
    If all the documentation is in order and no unexpected issues are encountered, the process from the initial contact to the refinance approval can take as little as 10 days.
  • What are HOA fees?
    The HOA Fees aka Home Owners Association Fees are monthly payments for the maintenance of the common areas and amenities if you live in a joint association such as a block of flats or condominium association.
  • What is a down payment?
    A down payment is a type of payment, often in cash, made in the early stages of a purchase of a home. Our down payments can be as low as 3% depending on the type of loan except for the VA Loans (Veterans only), with a 0% down payment required.
  • What is the principal?
    The principal is the money that you originally agreed to pay back on a home loan or mortgage refinance.
  • What is the loan term?
    A loan term is the period of time a borrower takes to completely pay off a loan when payments are made out regularly and as previously agreed by both parties.