VA Home Loans in Arizona

Buy Your Home with $0 Down Using Your VA Benefit

Why VA Loans

The Benefit You Earned, Put to Work in Arizona

VA loans are one of the most powerful financing tools available, guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, and surviving spouses. They make it possible to buy a home with no down payment and no monthly mortgage insurance. Croft & Co Lending helps you understand your entitlement and use it to its full advantage.

  • $0 Down Payment

    Most eligible borrowers can finance 100% of the purchase price, with no down payment required to buy a home in Arizona.

  • No Monthly Mortgage Insurance

    Unlike FHA and many conventional loans, VA loans never require monthly mortgage insurance, which keeps your payment lower.

  • Competitive Rates

    VA loans typically offer some of the most competitive interest rates available, along with flexible credit guidelines.

Loan officer reviewing VA loan paperwork with a veteran
peopleWe Honor Your Service
Why Choose Croft & Co

Your Trusted VA Loan Partner in Arizona

VA loans come with unique steps like obtaining your Certificate of Eligibility and meeting the VA's appraisal requirements. We handle the details and explain everything in plain language so your earned benefit works as hard as you did.

Whether this is your first time using your VA benefit or you're reusing your entitlement, we make sure you get every advantage you're entitled to and a smooth path to closing.

  • No down payment for eligible buyers
  • No monthly mortgage insurance
  • Help obtaining your Certificate of Eligibility
  • Support for first-time and repeat VA buyers
Veteran receiving the keys to a new home
peopleA Straightforward Process
How It Works

From Eligibility to Closing Day

We start by confirming your VA eligibility and getting you pre-approved so you can shop with confidence. From there we coordinate your VA appraisal, finalize underwriting, and prepare everything for a smooth closing.

You'll have a dedicated point of contact throughout who keeps you informed and answers your questions. Our job is to make using your VA benefit as easy and rewarding as it should be.

  • Fast eligibility check and pre-approval
  • Coordination of your VA appraisal
  • Clear, transparent communication
  • On-time closings you can count on
Client Success Stories

Trusted by Arizona Veterans and Service Members

We're proud to help those who served buy their homes. Here's what a few of our VA loan clients had to say:

  • Robert MU.S. Army Veteran

    Croft & Co made using my VA benefit simple. They handled my Certificate of Eligibility and got me into my home in Glendale with no down payment. As a veteran, I really appreciated how respectful and thorough they were.

    Google
  • Daniel KActive-Duty Service Member

    I had used my VA loan once before and wasn't sure I could use it again. Tyler's team walked me through reusing my entitlement and found me a great rate with no mortgage insurance. Smooth process start to finish.

    Google
  • Linda SSurviving Spouse

    As a surviving spouse I qualified for a VA loan and didn't even realize it. The team was kind, patient, and got me into a home I love. I can't thank them enough.

    Google
Ready to Use Your Benefit?

Start Your VA Loan Today

You earned your VA home loan benefit, and Croft & Co Lending is here to help you put it to work with $0 down and no monthly mortgage insurance. Reach out today and let's check your eligibility.