VA Loans

Empowering Veterans with VA Loans

You've served our country with unwavering dedication and commitment. Now, it's time for us to serve you in return. At Luminate Home Loans, we understand the unique challenges and aspirations of veterans like you. Let us be your guiding light on this exciting journey toward homeownership.

The Benefits of a VA Loan vs. Other Loans

Choosing a VA loan from Luminate Home Loans comes with a host of benefits tailored to honor your service:

0% Down Payment

Thanks to your service, there’s no minimum down payment required with a VA loan.

Fewer Restrictions

If you've encountered hurdles meeting the qualifications for a traditional loan, a VA loan offers greater flexibility.

Discounted Closing Fees

The maximum seller-paid closing costs are capped at just 4%.

No Mortgage Insurance

Unlike conventional loans, a VA loan doesn't saddle you with monthly mortgage insurance payments.

Disabled Veteran Benefits

Veterans considered at least 10% disabled by the Veterans Administration are exempt from the VA Funding Fee.

Various Loan Types

VA loans can be used for a variety of home options to suit your specific needs.

SEE IF YOU QUALIFY

Want to learn more about VA Loans or see if you qualify? Just send us a message, and we'll be in touch!

What is a VA Home Loan?

If you're wondering what a VA home loan is, let's shed some light on it. VA stands for the U.S. Department of Veterans Affairs, and a VA loan is a mortgage offered by lenders, like Luminate Home Loans, but with a valuable government guarantee. This guarantee sets VA loans apart and makes them an excellent option for those who have served our nation.


The VA loan program was specifically designed to provide long-term financing to eligible American heroes like you. The government's promise to repay the lender for any missed payments allows us to offer terms that are exceptionally favorable to you. It's our way of expressing gratitude for your dedication and service to our country.

Who Qualifies for a VA Loan?

A VA loan is exclusively available to qualified U.S. veterans and active-duty military personnel. In some cases, surviving spouses of veterans may also be eligible, provided they do not remarry.


At Luminate Home Loans, we take a "no bull" approach to help you assess whether a VA loan is the right choice for your financial goals. We prioritize transparency and clarity, ensuring that you make an informed decision after your honorable service.

Apply for a VA Loan

VA Property Guidelines

When you're considering a VA loan, it's essential to ensure that the property meets specific guidelines:


  • Structure of Home: The home's structure must be sound and free from significant defects.
  • Water Heater: The property should have its own functioning water heater.
  • Septic System: A working septic system is required.
  • Roof Condition: There should be no evidence of leaks or structural issues in the roof.
  • Termite Inspection: The property must be free of any termite infestations.
  • Paint Condition: Peeling or chipping paint should not be present.


At Luminate Home Loans, we're committed to helping veterans like you secure the ideal property that meets these guidelines, ensuring a smooth and hassle-free homebuying process.

Your service to our nation has unlocked the opportunity to experience homeownership with the support of a VA Loan. At Luminate Home Loans in Westminster, Colorado, our team is dedicated to making your journey towards homeownership as smooth and rewarding as possible.


Let us be the guiding light on your path to owning a home. Contact us today, and together, we'll illuminate your path to homeownership

Greg Selters

Branch Manager

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