You served our country. Now let your benefit serve you.
$0 down. No private mortgage insurance. Competitive rates built for Veterans, active-duty service members, and surviving spouses across Arizona. From Peoria to Phoenix, Tucson to Yuma — we're the local team that handles your VA loan with the clarity, efficiency, and respect your service has earned.
ASJ Mortgage Solutions, LLC — NMLS #1909669. Not affiliated with the U.S. Department of Veterans Affairs or any government agency. Not a commitment to lend; all loans subject to credit approval.
- $0 Down PaymentBuy your Arizona home without a large upfront cost.
- No PMI — EverSave every month compared to conventional loans.
- Reusable BenefitYour VA entitlement can be used again and again.
- Local Arizona ExpertsBased in Peoria. Trusted across the state. Real people, straight answers.
The strongest home loan benefit in America — built for those who served
Backed by the U.S. Department of Veterans Affairs, VA loans have helped more than 24 million service members and Veterans become homeowners since 1944. Here's what your benefit unlocks in Arizona.
No Down Payment
Purchase a primary residence with $0 down — keep your savings for moving, furnishing, and your family.
No Private Mortgage Insurance
Unlike FHA and low-down conventional loans, VA loans never charge monthly PMI.
Competitive Interest Rates
VA loan rates are often lower than FHA or conventional financing thanks to the VA guaranty.
Limited Closing Costs
The VA caps lender fees and restricts certain charges to protect your bottom line.
Flexible Credit Guidelines
The VA sets no official minimum credit score (lender standards apply), and recovery paths exist after bankruptcy or foreclosure.
No Prepayment Penalty
Pay your mortgage off early — or refinance later with a VA IRRRL — without extra fees.
The home you've earned is waiting
Royalty-free photography via Unsplash.
VA loan eligibility, in plain English
You may be eligible for a VA home loan in Arizona if you meet at least one of these service requirements:
- ✓90+ days of active service during wartimeIncluding active-duty members currently serving.
- ✓181+ days of active service during peacetimeHonorably discharged Veterans across all branches.
- ✓6+ years in the National Guard or Selected ReserveArizona Guard and Reserve members — this benefit is yours too.
- ✓Surviving spousesOf a service member who died in service or from a service-connected disability (eligibility rules apply).
Every VA loan type, under one Arizona roof
No two borrowers are the same — and neither are their loans. We match the right VA program to your goals.
VA Purchase Loan
Buy a primary residence anywhere in Arizona with no down payment and no PMI. Ideal for first-time buyers and PCS moves alike.
VA IRRRL (Streamline Refinance)
Already have a VA loan? Replace it with a lower rate or fixed term with reduced documentation — often no new appraisal required.
VA Cash-Out Refinance
Tap into your Arizona home's equity for improvements, debt payoff, or other needs — even if your current loan isn't a VA loan.
VA Renovation & Supplemental Loans
Buy or refinance and roll approved renovation costs into your loan, or finance improvements on top of an existing VA mortgage.
VA loans across Arizona — from a team based right here in Peoria
We're not a national call center. We're Arizona locals who know the neighborhoods, the market, and the bases — and we serve Veterans and military families in every corner of the state.
Cities we serve
Proudly serving military communities near
"We keep it simple, honest, and personal. That's the ASJ way."
"He was thorough in the loan process and kept me updated all the way. I got competitive quotes both times. Will definitely work with him again."
Get pre-qualified for your Arizona VA loan
Answer a few quick questions below and a local ASJ loan advisor will reach out with your options. No pressure, no jargon — just straight answers about the benefit you've earned.
By submitting, you agree to be contacted by ASJ Mortgage Solutions, LLC by phone, text, or email regarding your inquiry. Consent is not a condition of purchase. Message and data rates may apply. Completing this survey does not constitute a loan application, pre-approval, or commitment to lend.
Arizona VA loan FAQs
Do VA loans in Arizona really require no down payment?
Yes. Eligible Veterans, active-duty service members, and qualifying surviving spouses can typically purchase a primary residence with $0 down and no PMI, subject to entitlement, credit approval, and lender guidelines.
Can I get another VA loan if I've had one before?
Yes. As long as prior loans are paid off (or certain conditions are met), your eligibility can be restored. Your VA entitlement is a reusable benefit.
What is the VA funding fee, and can it be waived?
The VA funding fee is a one-time fee — generally 1.25% to 3.3% of the loan amount — that can usually be rolled into the loan. Veterans receiving VA disability compensation and certain surviving spouses may be exempt.
Is there a maximum VA loan amount?
The VA does not set a maximum. Your loan amount depends on the property value, your entitlement, and lender guidelines — which matters in higher-priced Arizona markets like Scottsdale and Paradise Valley.
Can I use a VA loan for a vacation home or investment property?
No. VA loans are for primary residences only, and the property must meet VA safety standards.
Are children of Veterans eligible for VA loans?
No. Only eligible service members, Veterans, and qualifying spouses may use VA loan benefits.
A mortgage should feel like progress — not pressure.
Buy smarter. Borrow better. Fast approvals, expert guidance, no guesswork — the benefit you earned, handled by Arizona locals who care about your outcome.
Get Pre-Qualified Now