Zapa Mortgage

VA Loans: The Best Way for Veterans to Buy a Home

Achieve your dream of homeownership with zero down payment and competitive interest rates.

Unlock Your Path to Homeownership with VA Loans

Are you a veteran, active-duty service member, or eligible spouse looking to achieve the American dream of homeownership? VA loans might be the solution you’ve been searching for. At Zapa Mortgage, we are dedicated to helping our nation’s heroes secure comfortable and affordable homes through VA loans.

What Are VA Loans?

VA loans, also known as Veterans Affairs mortgages, are a government-backed home loan program designed to assist eligible service members and veterans in obtaining homeownership. These loans offer several significant benefits:

No Down Payment

VA loans typically require no down payment, making homeownership more accessible.

Competitive Interest Rates

VA loans often feature competitive interest rates, helping you save over the life of your loan.

No Private Mortgage Insurance (PMI)

Unlike conventional loans, VA loans don't require costly PMI, reducing your monthly expenses.

Flexible Credit Requirements

VA loans tend to be more forgiving of credit issues, making them accessible to a broader range of borrowers.

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Types of VA Loans

There are two main types of VA loans​

Purchase Loans

  • Primary residence
  • Secondary residence
  • Investment property

Refinance Loans

  • Refinance an existing mortgage
  • Lower monthly payments
  • Take cash out of home equity
Who Is Eligible for VA Loans?

Active-duty Service Members

    Served at least 90 days of active-duty service during wartime or 180 days of active-duty service during peacetime.


    Whether you served during peacetime or wartime, your dedication to our nation qualifies you for this homeownership benefit.

National Guard and Reserve members

    This includes members of the Army National Guard, Air National Guard, Army Reserves, Navy Reserves, Marine Corps Reserves, and Air Force Reserves.

Certain Eligible Spouses

    VA loans extend their benefits to surviving spouses of service members who died in the line of duty or as a result of a service-related disability.
Why Choose Zapa Mortgage for Your VA Loan?

At Zapa Mortgage, we specialize in helping veterans and active-duty service members achieve their homeownership goals. Here's why you should choose us:

Our experienced team understands the intricacies of VA loans and will guide you through the process with care.

We tailor our services to meet your unique needs and financial situation.

We make the loan application process as smooth and efficient as possible, so you can move into your new home quickly.

Your satisfaction is our priority. We're here to answer your questions and address your concerns every step of the way.


Get Started Today!

Contact us today to learn more about VA loans and start the application process.

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Bilal Ameen
Bilal Ameen
Hamza and team were super helpful! Amazing work got my home loan done in 14 days which is unheard off. Super responsive and respectful, highly recommended!
Eugeni Entchev
Eugeni Entchev
I would say they definitely did everything possible to make it work and close on time.
Gulshan Hoti
Gulshan Hoti
It was an excellent experience working with Zapa team,everything was smooth and kept me posted throughout the entire process,they went above and beyond and we closed on everything before the anticipated date,definitely recommended.Look no further than Zapa mortgage.
Kashif Soomro TX-Houston
Kashif Soomro TX-Houston
Very nice team They closed my house in 9 working days only Dedicated to their field helped me to get lowest interest rate in today’s market I have recommended my friend as well
Waleed Ashfaq
Waleed Ashfaq
I had an outstanding experience with them specifically Saif, Hamza and Edi bhai. Their expertise and professionalism were evident from the start. They guided me through the entire process with ease, ensuring I understood every step. They secured a fantastic mortgage rate that exceeded my expectations. I highly recommend their excellent services to anyone seeking a mortgage.
Arif Aziz
Arif Aziz
Very good and professional service. Hamza was excellent and very helpful.
Mohammed Zaheer
Mohammed Zaheer
Edi and team did a good job
Jamil Karim
Jamil Karim
I am very happy to work with Zapa Mortgage team very sincerely and hardworking team especially hamza Bahi and Edi Shaikh Shahab also thought a lot They did my loan work on time, and now i am very happy to my new home. I say the best mortgage company is this Thanks to Zapa Mortgage Team
It was great working with Zapa mortgage, I was able to close on time and was guided by then throughout the process. I would definitely recommend them 👍

Frequently Asked Questions!

To qualify for a VA loan, you must meet the following requirements: 1-Be a veteran or service member who meets one of the eligibility requirements listed above. 2-Have a valid Certificate of Eligibility (COE). 3-Meet the credit and income requirements of your lender.

A COE is a document issued by the VA that confirms your eligibility for a VA loan. You can obtain a COE online or by mail from VA website or local VA office.

The amount you can borrow with a VA loan depends on a number of factors, including your income, debt, and the value of the home you are buying. However, VA loans do not have any conforming loan limits, so you can borrow more than the Fannie Mae and Freddie Mac limits.

The credit requirements for a VA loan vary from lender to lender. However, VA loans generally have more flexible credit requirements than conventional loans. This means that veterans with less-than-perfect credit may still be able to qualify for a VA loan.

The time it takes to get a VA loan varies depending on the lender. However, the VA has a goal of processing all VA loan applications within 30 days.



Questions & Answer
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Additional content for first-time homebuyers

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