VA
DOWN PAYMENT: 0%
Credit Requirements:
No delinquent or derogatory payments in last 12 months
Debt to Income Ratio:
41%+ (higher on a case by case)
Minimum Loan Amount:
None
We have over 20 years experience in originating VA Purchase Mortgage Loans for Veterans. Dealing with professionals who take the time to fully educate you on the benefits and process of a mortgage loan for Veterans makes all the difference. We have developed a proprietary consultation and folder to provide you with to ensure that all mission critical information is covered. Don’t worry, we will educate you about the VA purchase loan and process and how your Veteran or active duty status applies.
VA Hybrid ARM
Sometimes I am asked why would a veteran chose to do a VA Hybrid ARM loan? Because its smart money. Pay your mortgage balance down faster, free up cash flow to get out of debt, and refinance when you are ready.
VA IRRRL
The VA streamline refinance loan is such a great benefit to veterans. We can help you determine how much you can save in minutes. We need just a few documents and no appraisal. Rates are at all time low. Lets get started. We make it really easy.
Choose an option below to
Get Pre-Qualified:
Purchase
First-time homebuyer? Looking to get a second home?
Refinance
Save money, get extra cash, lower your rate...we've got you covered!
© 2025 Low VA Rates, LLC™ d/b/a Garett Law Mortgage.
Low VA Rates, LLC is not affiliated with any U.S. Government Agency nor do we represent any of them. Corporate Address: 384 South 400 West, Suite 100, Lindon, UT 84042, 801-341-7000. VA ID 979752000 FHA ID 00206 Alaska Mortgage Broker/Lender License No. AK-1109426; Arizona Mortgage Banker License #0926340; California DBO Finance Lenders Law License #603L038; Licensed by the Delaware State Banking Commission License #018115; Georgia Residential Mortgage Licensee License #40217; Illinois Residential Mortgage License #MB.6761021; Licensed by the New Jersey Department of Banking and Insurance, Ohio Mortgage Loan Act Certificate of Registration #RM-501937.000; Oregon Mortgage Lending License # ML-5266; Rhode Island Licensed Mortgage Lender License #20143026LL; Texas License LOCATED at 201 S Lakeline Blvd., Ste 901, Cedar Park, TX 78613; EAH061020 NMLS ID# 1109426 NMLS Consumer Access www.nmlsconsumeraccess.org.
Click on these links to access our Privacy Policy and our Licensing
Information. Consumer's total finance charges may be higher over the life of the loan.
Consumer NMLS Access - NMLS #1109426. NMLS#: 20750, Branch NMLS#: 1338334.
TEXAS MORTGAGE COMPANY DISCLOSURE:
"CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE
LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS
AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A
WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND,
PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV."
*Annual savings calculator based on 2015 monthly average savings extrapolated year-to-date.
