VA Loans — Valor Program
Zero down payment. No private mortgage insurance. Competitive rates. The VA home loan benefit is one of the most powerful financial tools available to veterans — and our Valor Program makes sure you use every bit of it.
VA Loans — Valor Program
The VA home loan benefit is one of the most valuable — and most underutilized — financial tools available to those who served. Blue Arrow Lending's Valor Program is dedicated to helping veterans, active-duty service members, National Guard members, reservists, and surviving spouses make the most of this earned benefit. Our team specializes in VA loans — we understand the COE process, VA appraisal quirks, and every nuance that affects your closing.
Key Requirements
Benefits
- ✓Zero down payment — Purchase a home without saving tens of thousands — a benefit earned through your service.
- ✓No private mortgage insurance — Save $200–$400+ per month vs. FHA and low-down conventional loans.
- ✓Competitive rates — VA loans typically offer some of the lowest rates available due to the government guarantee.
- ✓Reusable benefit — Your VA entitlement can be used multiple times and restored when you sell or pay off a VA home.
- ✓No prepayment penalty — Pay off your VA loan early at any time with zero penalty.
- ✓VA IRRRL streamline refi — Already have a VA loan? Refinance easily with minimal documentation and no appraisal in most cases.
The Valor Program Difference
At Blue Arrow Lending, we don't just process VA loans — we specialize in them. Our Valor Program means Jenn's team deeply understands how to structure your loan, communicate with VA appraisers, and navigate the entitlement system to your maximum benefit. Veterans deserve to work with a team that treats this benefit with the respect it has earned.
VA Funding Fee: What You Should Know
Most VA borrowers pay a one-time funding fee: 1.25%–2.15% for first-time use with 0% down (lower if you put something down). The fee can be financed into the loan. Critically: veterans with a service-connected disability rating of 10% or higher are exempt from the funding fee entirely — a fact many lenders fail to proactively communicate. Our team verifies your exemption status upfront, every time.
Frequently Asked Questions
Generally: veterans with 90+ consecutive days of active duty during wartime or 181 days during peacetime, National Guard/Reserve with 6+ years of service, and surviving spouses of veterans who died in service or from a service-connected disability. Our team will verify your eligibility quickly.
Our team handles this for you. We can often obtain your COE electronically within minutes using VA's WebLGY system. You don't need to obtain it yourself before applying with us.
Yes. Your VA entitlement is reusable. If you've paid off a prior VA loan and sold the property, your full entitlement is restored. You can also have more than one VA loan simultaneously in some circumstances.
The VA funding fee may be deductible as mortgage interest. Consult your tax advisor for guidance specific to your situation. Veterans with a service-connected disability rating may have the fee waived entirely.
From application to closing
Apply Online
Complete our secure 5-minute digital application at no cost or obligation.
Team Review
Our team analyzes your situation and recommends the ideal program, term, and rate strategy.
Pre-Approval
Receive a credible pre-approval letter — often within 24 hours — that makes your offer stand out.
Close & Move In
We guide you to the closing table in 21–30 days with zero surprises. Then celebrate.
Your service earned this benefit. Use it.
Our Valor Program team is ready to help you apply your VA benefit to purchase or refinance — with zero down, no PMI, and the respect your service deserves.