1. Expert VA Lending Team

Through our NAF Heroes program, I have been certified as VA lending specialist. This means that our team has undergone specialized training in VA loans, giving me the expertise to navigate the unique financial situations that Veterans and active-duty military personnel often face. Whether it's answering your questions or guiding you through the VA loan process, you’ll work with a team who understand the military community’s needs.

2. VA Loan Advantages

NAF offers VA loans with unparalleled advantages that make homeownership more accessible and affordable for Veterans and active-duty service members:

• No Loan Limits: You won’t be restricted by loan limits, giving you the freedom to finance the home you need.
• Funding Fee Exemptions: We help you explore eligibility for funding fee exemptions, reducing your upfront costs.
• No Monthly Mortgage Insurance: Save on monthly payments, as VA loans do not require mortgage insurance.
• Low or No Down Payment Options: Our VA loan programs allow for little to no down payment, ensuring that financial barriers don’t stand in your way.

3. Specialized VA Loan Products

NAF provides more than just traditional VA loans. We offer unique options designed specifically to meet the needs of Veterans and service members:

• VA Renovation Loans: This program allows you to roll both the home purchase price and the remodeling costs into a single mortgage. You can finance 100% of the home’s value, making it easier to create your dream home from day one.
• VA One-Time Close Loans: For those looking to build a home, our VA One-Time Close loan allows you to finance the construction of a new home with a single loan, simplifying the building process.
• Financing for Veterans with No Credit Score: NAF recognizes that military service can sometimes impact credit histories. That’s why we offer flexible credit score requirements, with approval options for Veterans with scores as low as 500. We even consider alternative credit sources to ensure you can still access home financing.

4. Fast Solutions & No Overlays

NAF is a direct lender and servicer of VA loans, meaning there are no overlays or unnecessary restrictions to slow you down. Our streamlined process allows for faster approval times and quick answers, ensuring that we deliver the best possible financing options without roadblocks.

5. NAF Cash Program for Competitive Offers

In today’s competitive housing market, having the ability to submit an all-cash offer can give you a significant edge. If you find yourself loosing offer after offer due to competition - NAF Cash may be a solution you want to look into. With our NAF Cash program, Veterans can submit offers with as little as 0% down and up to a $2 million purchase price. This option can speed up the buying process, increasing your chances of securing your dream home. Sellers love cash offers, and with NAF Cash, you’ll have a greater likelihood of winning bids in a competitive market.

6. We Service Our VA Loans

At NAF, we retain servicing for all the VA loans we fund. This means you won’t be handed off to a third-party company after your loan closes. We stay in touch with you through automated post-close campaigns, co-branded with your buyer’s agent. Our ongoing relationship ensures that you have continued support throughout your homeownership journey and have a local lender and agent to be at your resource along the way.

Located in Kitsap County, we are proud to serve our local community of Veterans and active-duty service members. By working with a local lender who understands your specific needs, you can trust that we’ll provide the best VA loan experience possible. Our commitment to excellence in service, local knowledge, and specialized VA loan programs makes us the top choice for military home loans in the region.

Ready to Get Started?

If you're a Veteran or active-duty service member looking to buy or refinance a home, let my team and I guide you through the process. Our team is standing by, ready to assist you with all your home financing needs. Contact us today or even schedule an appointment virtually or at my office in Poulsbo, WA to learn more about how we can help you take advantage of these incredible VA loan benefits.

Proudly serving those who have served our country, one home at a time.