NMLS 108686 • SINCE 1996 • VA LOANS • 0% DOWN NO PMI • 100% LTV CASH-OUT • IRRRL 0.5% FEE • 2026 $1,063,750
★★★★★ 37 YRS VA • FAST 14-21 DAYS • (253) 472-1500
VA LOANS WASHINGTON • VA PURCHASE 0% DOWN • VA CASH-OUT 100% LTV • VA IRRRL 0.5% FEE • 2026 LIMIT $1,063,750
VA Loans – Washington State Source 0% Down No PMI • 100% LTV Cash-Out • IRRRL 0.5% Fee – $1,063,750 / $0 Down No Cap Full*
Fast, low-cost VA home loans Washington State – VA purchase 0% down no PMI seller up to 4% concessions, VA cash-out up to 100% LTV debt consolidation FHA/conventional to VA refi, VA IRRRL 0.5% fee no appraisal no income docs VA to VA only. Full entitlement $0 down no cap per Blue Water Navy Act 2020* – wholesale VA rates shop 10+ lenders – 14-21 day close when paperwork ready.
VA PURCHASE / BENEFITS
0% Down No PMI Seller 4%*
Full $0 down no cap* – No early payoff – COE in minutes
VA CASH-OUT / IRRRL
100% LTV / 0.5% Fee No Appraisal*
Conventional 80% max FHA 80% max VA 100% – IRRRL VA to VA 0.5% fee*
2026 LIMITS / CREDIT / CLOSE
$1,063,750 / $832,750 – 580+ – 14-21 Days
King/Pierce/Snohomish $1,063,750 baseline $832,750 – Residual – Tidewater
ALL 3 VA LOAN TYPES – FAST 14-21 DAY CLOSE – COE IN MINUTES
VA Loans – What You Need
COE in minutes – same day pre-approval when paperwork ready
REQUIRED:
• COE – we pull in minutes / DD214 Member 4
• W2s 2 yrs / Pay stubs 30 days / LES
• Bank stmts 2 mo all pages / Photo ID
• Purchase contract – or Mortgage statement cash-out
• Homeowners insurance – COE shows exempt*
• W2s 2 yrs / Pay stubs 30 days / LES
• Bank stmts 2 mo all pages / Photo ID
• Purchase contract – or Mortgage statement cash-out
• Homeowners insurance – COE shows exempt*
VA Loans – Purchase 0% Down, Cash-Out 100% LTV, IRRRL 0.5% Fee
VA Purchase – 0% Down No PMI Seller 4% Concessions
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0% Down No PMI No Early Payoff – Full $0 down no cap no limit per Blue Water Navy Act 2020* – vs Conventional 3-5% down + PMI, FHA 3.5% + MIP
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Seller Up to 4% Concessions – Seller can pay up to 4% closing costs + reasonable custom* – helps closing costs
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Funding Fee 2.15% / 3.3% / Exempt – Can finance – disabled veteran exempt VA disability most likely exempt saving thousands* – COE shows exempt
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Eligible Properties – Single family, townhomes no VA approval, condos VA approved we check, manufactured / modular / new construction, 1-4 units must occupy one
VA Cash-Out 100% LTV – Debt Consolidation – FHA/Conv to VA Refi
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100% LTV vs Conventional 80% Max FHA 80% Max – Tap equity – debt consolidation credit cards auto student loans – FHA/conventional to VA refi*
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Funding Fee 2.15% / 3.3% / Exempt – Can Finance – 2.15% first cash-out 3.3% subsequent – disabled exempt saves thousands* – skip payment 30-60 days
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Close 14-21 Days – Skip Payment – First payment 30-60 days after close – Washington deed of trust escrow Chicago Title First American mobile notary
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Paperwork – COE DD214 – W2s 2 yrs pay stubs 30 days bank stmts 2 mo all pages photo ID mortgage statement homeowners insurance
VA IRRRL 0.5% Fee – No Appraisal No Income Docs – VA to VA Only
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0.5% Fee – No Appraisal No Income Docs* – VA streamline refi VA to VA only – must have existing VA loan – requires 0.5% lower rate benefit* – non-credit qualifying available
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Investment Property Allowed If Previously Primary – Must certify previously occupied primary – second home allowed if previously primary* – no cash out, minor $6k max back
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Special Pricing – Disabled Exempt – Skip Payment – Funding fee 0.5% IRRRL special pricing disabled veteran exempt saving thousands* – skip payment 30-60 days – close 14-21 days – no appraisal saves $600*
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Paperwork Simple – Mortgage statement + COE + Photo ID – no appraisal no income docs – quick quote how much save
2026 Limits – Full vs Partial – Eligibility – Credit
County2026 Limit
King/Pierce/Snohomish$1,063,750
Thurston + Most Counties Baseline$832,750
Full Entitlement = $0 down no cap* – Never used, paid off & sold, repaid VA full, basic $36k on COE = full – VA guarantees 25% over $144k no limit.
Partial: Active VA loan / not restored – Formula: County limit x 25% – Used = Remaining – Example $70k used county $832,750 x 25% $208,187 – $70k = $138,187 remaining* – May need down 25% difference if exceeds.
Who Is Eligible: Veterans / Active 90 days wartime 181 days peacetime / 6 yrs Guard Reserve / Un-remarried surviving spouse* – COE we pull in minutes – DD214 Member 4 / NGB22 / Statement of Service – VA disability award letter if exempt*.
Credit / Residual / Tidewater: 580+ most wholesale – no max DTI per VA overlay 50-60% – residual income family size region – Tidewater appraisal process*.
Partial: Active VA loan / not restored – Formula: County limit x 25% – Used = Remaining – Example $70k used county $832,750 x 25% $208,187 – $70k = $138,187 remaining* – May need down 25% difference if exceeds.
Who Is Eligible: Veterans / Active 90 days wartime 181 days peacetime / 6 yrs Guard Reserve / Un-remarried surviving spouse* – COE we pull in minutes – DD214 Member 4 / NGB22 / Statement of Service – VA disability award letter if exempt*.
Credit / Residual / Tidewater: 580+ most wholesale – no max DTI per VA overlay 50-60% – residual income family size region – Tidewater appraisal process*.
★★★★★ VA Reviews – VAHomeLoans.com
★★★★★ VA REVIEWS →★★★★★
"As a first time home-buyer, you helped make my purchase smooth and extremely well-informed. Despite working with possibly the most difficult type of home purchase (HUD foreclosure)... we were able to do it within four weeks."
1LT Sam M. Yoo – Puyallup, WA – VA Purchase 0% Down
4 Weeks – HUD – 0% Down No PMI – Seller 4%
★★★★★
"I have owned 2 homes in the past and never have I dealt with such an amazing and efficient loan officer. I met with Kevin once, that was it! 3 calls, 5 emails, loan issued in 2 weeks – 100% LTV cash-out."
Tommie – Port Townsend, WA – VA Cash-Out 100% LTV
2 Weeks – 3 Calls 5 Emails – Amazing & Efficient
★★★★★
"When rates dropped, Kevin did IRRRL 0.5% fee, no appraisal, no income docs. Investment property allowed because I previously lived there. Saved $600 appraisal + thousands."
James K. – Lacey, WA – VA IRRRL 0.5% Fee
No Appraisal No Income Docs – 0.5% Fee – Skip Payment
★★★★★
"Kevin made VA home buying easy. COE pulled in minutes, pre-approval same day. We got offer accepted because we had real pre-approval letter, not pre-qual. Closed in 18 days!"
SGT Michael R. – JBLM / Lakewood, WA – VA Purchase
18 Days – 0% Down – Seller Paid 3% – Same Day Pre-Approval
★★★★★
"Active duty at JBLM – PCS on short notice. Kevin understood BAH, BAS, military pay. Pre-approval in hours, not days. We closed before report date. VA specialist for real."
SSG Williams – JBLM / Steilacoom, WA – VA Purchase
JBLM BAH Friendly – PCS Fast Close – 0% Down
★★★★★
See All VA Reviews
VAHomeLoans.com – Since 1996
37 years VA – COE in minutes
★★★★★ VA REVIEWS →
37 years VA – COE in minutes
*All Tech Mortgage Inc. NMLS 108686. 2819 Chambers Bay Dr, Steilacoom, WA 98388. Rates subject to change. VA eligibility required – COE required – VA funding fee 2.15% first use 3.3% subsequent 0.5% IRRRL can finance disabled veteran exempt – Full entitlement $0 down no cap per Blue Water Navy Act 2020 per lender approval – Partial entitlement bonus formula County limit x 25% – Used = Remaining – Example $70k used county $832,750 x 25% = $208,187 minus $70k = $138,187 remaining – 2026 FHFA limits King/Pierce/Snohomish $1,063,750 baseline $832,750 Thurston $832,750 – Seller up to 4% concessions plus reasonable custom* – VA purchase 0% down no PMI no early payoff – VA cash-out 100% LTV conventional 80% max FHA 80% max VA 100% – VA IRRRL 0.5% fee no appraisal no income docs VA to VA only investment property allowed if previously primary – Credit 580+ most wholesale – No PMI no early payoff – Not affiliated with VA – Equal Housing Lender – Secure app hosted by my1003app.com – 37 years VA lending experience – wholesale VA rates – BAH friendly – JBLM Fairchild AFB Naval Base Kitsap Whidbey – 14-21 day closings when paperwork ready – www.vahomeloans.com – VA loans Washington State.