I started out working with Amanda Ayoub and she was very attentive and considerate. She sensed my apprehension but was aware of my need to secure a loan to do some things to my house. She was expedient and disciplined in her approach and our journey was flawless. By the time she delivered me to Sue Beidoun, I felt like we had known each other a lifetime because of the level of comfort I felt. Sue B was no less focused and very intent on crossing the finish line with my home loan aspiration. This team, Amanda A and Sue… Read more →
VA loans. Giving back to those who gave.
LitFinancial is proud to service all who served. VA Loans clear the traditional roadblocks of mortgage loans making it easier for veterans and the family of veterans to achieve homeownership.
Best for veterans and their families financing a home without traditional loan requirements or downpayments.
No SSN required. Zero impact to credit.
Your information is never sold.
★★★★★Rated 4.9/5 stars
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No Social Security number needed.
No effect on your credit score.
Your details are never shared or sold.
Takes under a minute to finish.
What is a VA Loan?
A VA Loan is issued by the Veterans Affairs administration to a veteran, service-member, or the family or spouse of either party. They typically require no downpayment aside from a VA loan funding fee, which is a small percentage of the total loan.
Is this loan right for me?
Well, if you’re a veteran, service-member, or a spouse of a veteran or service-member — yes. If not, then no. VA Loans are uniquely favorable to the borrower because the borrower, or their spouse, has enlisted to protect America. VA Loans are reserved for those who have made that commitment.
How can LitFinancial help?
VA Loans might not be as tricky when it comes to wrangling down payments and private lending. But the difference is in the details. LitFinancial’s expert brokers can help negotiate funding fees, interest rates and more to get you the most favorable terms.
Frequently Asked Questions
Let's help make things clearer.
A VA loan is a mortgage for eligible veterans, active-duty service members, and some military spouses. It offers great benefits, including no down payment.
Most VA loans require no down payment at all.
No. VA loans do not require monthly mortgage insurance, which helps keep payments low.
It’s a one-time fee that helps keep the VA loan program running. Some veterans are exempt, especially those with a service-connected disability.
Most lenders prefer a score around 620, but guidelines are often more flexible than other loan types.
Veterans, active-duty members, National Guard, Reserves, and surviving spouses may be eligible depending on service history.
No. VA loans are for primary residences only—you must live in the home.
Single-family homes, condos (VA-approved), townhomes, and even multi-unit homes (up to 4 units) if you live in one.
Yes. You can use your VA loan benefit multiple times, as long as you restore your entitlement.
Sometimes yes. In certain situations, you can have two VA loans at once if you have enough remaining entitlement.
There are no official loan limits if you have full entitlement. Your approval is based on your income, credit, and debts.
Yes. VA loans require a VA appraisal to check value and ensure the home meets basic safety standards.
Most VA loans close in about 30 days, similar to other loan types.
Yes. Family can give you money to help with closing costs or expenses.
VA loans limit what you can be charged, and sellers can pay many of your costs—making them very affordable.
Usually not, unless you’re buying a multi-unit home.
Yes. The VA offers simple refinance options, including an IRRRL (Streamline Refinance) with minimal paperwork.
You can, but the home must meet VA safety standards. Some buyers use a VA Renovation Loan.
You can still qualify. VA loans are flexible—there are waiting periods, but they’re often shorter than other loan types.
If you’re eligible, VA loans are usually one of the best options—no down payment, no mortgage insurance, and flexible guidelines.
Get started with our quote tools.
Whether you’re estimating your mortgage costs, seeking to simplify and save through debt consolidation, or aiming to explore and compare various loan options tailored to your needs, our intuitive tools are here to guide you every step of the way.
No SSN required. Zero impact to credit. Your information is never sold.
Why choose LitFinancial?
Experience Matters
When it comes to loan officers, we are experienced experts and take pride in leveraging our knowledge to help you every step of the way.
We Are Your Advocate
Our loan officers are advocates through -out your lending journey. From finding the right mortgage plan, to proactively engaging with key stakeholders on your behalf.
Relentlessly Seeking Solutions
We are committed and passionate about helping borrowers find their best financial fit. We tap our trusted network to look at any and all options.
Lit For Life
Our approach to advising is finding the best solution for each client’s life. We will also be there as your needs change through different life stages.
Advising You Like You’re Family
We are a mortgage partner that takes the time to listen to your needs and goals. We care about each client that tailor our advice for your best outcome.
Leading the Industry
We are constantly modernizing lending models, streamlining treasury operations, and increasing transparency across mortgages. This allows us to bring innovative products and better service to you.
Chris Solinski, Branch Manager
“Nothing is impossible. The word itself says ‘I'm possible!’”
People like LitFinancial
When you love what you do, it shows.
I worked with Sue and Niki from Lit Financial, and they were awesome! Their communication and customer service were impeccable from start to finish. They helped me through the challenging refinancing process with professionalism, patience, and care. They were always available to answer my questions and kept me informed every step of the way. I truly appreciate all of their hard work and would highly recommend Sue, Niki, and Lit Financial to anyone looking for financing. They made the entire process as smooth and stress-free as possible. Read more →
I refinanced my house recently and now having worked with both Mark H and Sue from LIT Financial I would absolutely recommend them. They both were very easy to work with, explained anything I asked and didn’t make me feel like I was getting worked over somehow like I have had with ALOT of other companies. It was just a nice experience, and I’ll absolutely be using them again if/when the time comes. Thanks again to those two. Read more →
I had an amazing experience working with my mortgage bankers Sue and Lex, throughout the process of purchasing my vacation home. From start to finish, they were professional, knowledgeable, and always available to answer any questions I had. They made what could have been a stressful process feel smooth and straightforward, and I truly felt like they had my best interest in mind every step of the way. Their communication was excellent, and they kept everything on track and on time. I’m beyond grateful for their help in making this purchase possible. I highly recommend them to anyone looking for… Read more →
Steve is incredible! I had the best experience working with Steve, and he has been my go-to loan officer ever since. As a Realtor, I strive to provide my clients with the best support and a top-notch experience, and I only recommend the best professionals in the mortgage industry. If you want the best loan officer, reach out to Steve — you won’t be disappointed! Read more →