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  • Just closed another deal with DK Home Loans and the Krushinsky Team! Tough deal with lots of negotiation and other issues but DK team made their part easy! Responsive, professional, and just great to deal with the whole way through. Thx again DK team! Noel Pulanco - February 9, 2020
  • Awesome Company! We were very pleased with the high level of professionalism and knowledge throughout the entire loan process! John P Francis - January 25, 2020
  • I bought my first house at the age of 26 and was very impressed with the professional atmosphere DK home loans representatives gave me. The communication and continual questions I had made my home owership a smooth and very informative process. Thanks again Armand Hernandez - January 16, 2020
  • David Krushinsky is hands down the best at what he does, and truly epitomizes customer service, something that is really hard to find today! David and his team are true professionals that provided exemplar advice and communications, he is also extremely responsive throughout the entire mortgage process! We really could not have done this without… Gary Pelleran - December 21, 2019
  • I would recommend David and his team for purchasing a new home or refinancing I have refinance with David twice he is very knowledgeable and trustworthy man if you have any questions he will answer them right away I couldn't ask for a better person to make the refinance experience pleasurable. He is a true… Debbie A. - September 27, 2019
  • Thanks David your the best!!! Hope to work with you again , if anybody is looking to buy a home I’ll send them your way 👍 Joel martinez jr - September 26, 2019

What is a VA Home Loan?

VA home loans are ones guaranteed by the U.S. Department of Veterans Affairs. They were created by the government in 1944; since then, more than 24 million VA loans have been originated, helping veterans, active duty military members and their families purchase or refinance a home.

The fact that these loans are backed by a government agency makes lenders feel more comfortable in offering them, as they pose less risk. As a result, it’s possible to get a VA loan in Phoenix without a down payment, and with sometimes-looser credit requirements.

The basic intention of the VA home loan program is to supply home financing to eligible veterans and to help veterans purchase properties with no down payment. The loan may be issued by qualified Phoenix lenders.

VA Loan Requirements

  • Have at least 90 consecutive days of active service during wartime or at least 181 consecutive days of active service during peacetime.
  • Have more than six years of service in the National Guard or Selective Reserve.
  • Be the surviving spouse of a service member who died while on active duty or from a service-connected disability and you have not remarried or remarried after age 57 or Dec. 16, 2003. Spouses of prisoners of war or service members missing in action are also eligible.
  • Meet the lender’s requirements for credit and income. The VA doesn’t set a minimum credit score for VA loans, but lenders can set their own minimum standards. The lender will also consider your income and debts to evaluate your ability to repay the mortgage.
  • Borrowers need to show they have the income to make the mortgage payments and they shouldn’t have a huge debt load.
  • While there is no minimum credit score requirement, borrowers might have a hard time getting approved by a lender if they don’t have at least a 620 FICO Score.
  • The property you want to buy must meet safety standards and building codes and will be your primary residence.
  • In order to go through the process, you need to obtain a VA Certificate of Eligibility (COE). Without this certificate, you won’t be able to get your loan.

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© 2023 8 Blocks LLC All Rights Reserved. David Krushinsky NMLS# 202115 | This is not a commitment to lend. Prices and guidelines are subject to change without notice. Some products may not be available in all states. Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a finance decision.(www.nmlsconsumeraccess.org) This is provided by DK Home Loans, LLC | Corp NMLS ID# 1779290 | Arizona Lic# MB-0949619 | Idaho MBL-2081779290 | 8282 W Cactus Rd, Ste E146 Peoria, AZ 85381 | 602-456-2195 | Equal Housing Lender - NMLS Consumer Access / Legal Disclaimer - This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Other limitations may apply. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site. All Zillow rate data and Zillow reviews are © of Zillow, Inc. 2006-2023. Powered by Lenderd.com

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