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  • Home
  • For Utah Veterans
  • Utah Veteran Care
  • Utah Heros
  • For Utah 1st Responders
  • Utah 1st Responder Care
  • About Utah Heroes Lending
  • Our Realtors
  • Help Alan

We Help Utah Military, Veterans, Save on Homes

We Help Utah Military, Veterans, Save on HomesWe Help Utah Military, Veterans, Save on HomesWe Help Utah Military, Veterans, Save on HomesWe Help Utah Military, Veterans, Save on Homes

Contact us and CLAIM YOUR (up to) $3,000.00 CLOSING COST DISCOUNTS

Contact us and CLAIM YOUR (up to) $3,000.00 CLOSING COST DISCOUNTS

Contact us and CLAIM YOUR (up to) $3,000.00 CLOSING COST DISCOUNTS

Contact us and CLAIM YOUR (up to) $3,000.00 CLOSING COST DISCOUNTS

Contact us and CLAIM YOUR (up to) $3,000.00 CLOSING COST DISCOUNTS

Contact us and CLAIM YOUR (up to) $3,000.00 CLOSING COST DISCOUNTS

VA home loan benefits & guidelines

VA home loan guidelines

Home loans backed by the Department of Veterans Affairs (VA) help service members, Veterans and their spouses buy, refinance and renovate homes. Loans are often available with a no down payment option, lower closing costs, good rates and no minimum credit score. If you’re eligible for a VA loan, speaking with an experienced VA lender like Rate can help you take advantage of the savings* this program provides.

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* Rates current as of 6/1/2026 10:46 am, provided by Dan Munford, for Salt Lake County, UT, and are subject to change without notice.

Why choose a VA mortgage?

VA home loan guidelines

These are some of the advantages of a Rate VA mortgage.

  • No lender fee at closing: Rate has waived an average of $1,640 per VA loan by eliminating the origination fee.
  • No minimum credit score: Rate reviews full credit history to help more service members qualify.
  • 100% financing available: With Rate's exclusive Zero Down for Heroes program, qualified Veterans can purchase homes with a no down payment option.
  • Fast closings: Rate’s technology means VA loans could close in days. When time matters, we get it done.
  • World-class mortgage experts: Connect with a dedicated mortgage pro right from the Rate app to walk you through the process.

You’ll need to verify your eligibility for a VA loan with a military Certificate of Eligibility (COE), which Rate’s specialist can help obtain. Credit requirements are flexible, but you’ll need to prove employment with income statements and tax returns.

What are the available types of VA mortgages?

The Department of Veterans Affairs (VA) backs several loan options for qualified borrowers.                           Please reach us at Dan.Munford@Rate.com if you cannot find an answer to your question.

Use this option to purchase the home of your dreams!!!


A VA Cash-Out Refinance lets you tap into your home's equity to access cash, but credit score requirements may apply.


The VA Interest Rate Reduction Refinance Loan (IRRRL) with a complicated name offers a simple way to lower your interest rate and monthly payment. Also known as a VA streamline refinance, a VA IRRRL for borrowers who have a VA home loan has fewer steps and better terms. It is available to eligible active-duty service members, Veterans and surviving spouse.


A VA renovation loan could help you buy a fixer-upper and turn it into your dream home by combining the purchase price and home improvement costs into one loan. Backed by the U.S. Department of Veterans Affairs (VA), VA renovation loans are available with 0% down payment and low interest rates. You can even finance your VA funding fee and closing costs, saving more money upfront.


Take Advantage of Zero Down for Heroes

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Veteran Resources

VA LOAN APPLICATIONVA RatesCERTIFICATE OF ELIGIBILITYVA LENDINGUTAH VETERAN JOB SEARCHVETERAN CARELIFE AND BUSINESS COACHINGUTAH VETERANS GRANTSREVERSE MORTGAGE GUIDEUTAH VETERAN DISCOUNTS

Contact us and CLAIM YOUR (up to) $3,000.00 CLOSING COST REWARD

Contact us and CLAIM YOUR (up to) $3,000.00 CLOSING COST REWARD

Contact us and CLAIM YOUR (up to) $3,000.00 CLOSING COST REWARD

Contact us and CLAIM YOUR (up to) $3,000.00 CLOSING COST REWARD

Contact us and CLAIM YOUR (up to) $3,000.00 CLOSING COST REWARD

Contact us and CLAIM YOUR (up to) $3,000.00 CLOSING COST REWARD

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Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 © 2023 All Rights Reserved. | Dan Munford NMLS ID 139374 | Equal Housing Lender | 9350 South 150 East Sandy Utah 84070 | (801) 301-5626

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  • For Utah Veterans
  • Utah Heros
  • For Utah 1st Responders
  • About Utah Heroes Lending
  • Our Realtors
  • Help Alan

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