Call anytime  ·  Office 480-967-TAUM (8286)

Cell 480-797-4898  ·  Toll free 1-877-967-8286

For those who served

VA loans for Arizona veterans and service members.

You earned your VA home loan benefit. We help you use it well, whether you're buying near Luke Air Force Base, relocating to Davis-Monthan in Tucson, or refinancing a home you already own. As a broker, Marketline compares VA loans from several lenders, and you work with one person, Taum, from your Certificate of Eligibility to closing.

Start Your Application · Request a Free Consultation

What makes a VA loan different

  • Backed by the U.S. Department of Veterans Affairs and available to eligible veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses.
  • No monthly private mortgage insurance.
  • Down payment requirements are often lower than other loan types. We'll show you exactly what applies to you.
  • VA limits certain closing costs a veteran can be charged.
  • With full entitlement, VA does not cap the loan amount. Your income and credit still set what you qualify for.
  • The benefit can be used more than once over your lifetime.

Arizona details we plan for

Military communities. We work with buyers connected to Luke AFB in the West Valley, Davis-Monthan AFB in Tucson, Fort Huachuca in Sierra Vista, and MCAS Yuma, plus the many Arizona veterans who have long since retired from service.

HOA communities. Most newer Valley neighborhoods have an HOA. Dues count toward your qualifying payment, and condos need to be on VA's approved list or go through approval.

Solar. Leased solar panels and power purchase agreements need review and transfer paperwork, so we start it early.

Pools. VA appraisers look for safety and condition issues. Anything flagged has to be fixed before closing.

The VA funding fee. Most borrowers pay a one-time funding fee that can be financed. Veterans receiving VA disability compensation are generally exempt. We'll confirm your status from your Certificate of Eligibility.

How the process works

  1. Get your Certificate of Eligibility. We can usually request it for you online.
  2. Pre-approval. We review your income, credit, and entitlement and compare VA options from several lenders.
  3. Find your home. Your pre-approval letter shows sellers you're ready.
  4. VA appraisal and underwriting. We stay in touch with your agent and the title company the whole way.
  5. Close and move in.

Arizona VA loan FAQ

Who is eligible for a VA loan in Arizona?

Eligibility comes from your service history, not where you live. Veterans, active-duty service members, National Guard and Reserve members who meet service requirements, and certain surviving spouses may qualify. Your Certificate of Eligibility confirms it, and we can help you request one.

Is there a VA loan limit in Arizona?

For borrowers with full entitlement, VA does not set a loan limit. If part of your entitlement is tied up in another VA loan, the county conforming limit is used to work out your remaining entitlement. In every Arizona county that limit is $832,750 for a one-unit home in 2026.

Can I use a VA loan on a condo or a home with an HOA?

Yes. Homes in HOA communities are common VA purchases. Condos must be in a VA-approved project or go through approval, which we check before you write an offer.

Do I have to pay the VA funding fee?

Most borrowers pay it, and it can usually be financed into the loan. Veterans who receive VA disability compensation and certain other borrowers are exempt. Your Certificate of Eligibility shows your status.

Can I refinance my current VA loan?

Yes. VA offers a streamlined refinance (IRRRL) for existing VA loans and a cash-out refinance. We'll compare both against your goals and current costs.

Talk with Taum about your loan. Free consultation, no pressure. Office 480-967-TAUM (8286) · Cell 480-797-4898 · Apply Now

David "Taum" Hemmingsen · Owner · Banker · Broker · NMLS #51267 · AZ MLO License #0910918

Marketline Mortgage, LLC · NMLS #1842 · Arizona Mortgage Broker License #MB-1049666 · 16427 N Scottsdale Rd, Ste 410, Scottsdale, AZ 85254 · NMLS Consumer Access · Equal Housing Opportunity

This is not a commitment to lend. All loans are subject to credit approval, property eligibility, and program guidelines, which can change.

More areas and programs: Loan Programs · Phoenix · Scottsdale · Cave Creek · FHA Loans · First-Time Buyers