VA loans are backed by the Department of Veterans Affairs and offer some of the best mortgage terms available. Veterans, active-duty service members, National Guard and Reserve members with qualifying service, and eligible surviving spouses can purchase a primary residence with no down payment and no monthly mortgage insurance. Q Home Loans proudly serves military families at Fairchild Air Force Base and throughout the Spokane region — we understand PCS timelines and can often close VA loans in as few as 21 days. Contact us to obtain your Certificate of Eligibility and explore your options.
Finance 100% of the purchase price. No down payment required for qualified borrowers — one of the most powerful benefits of military service.
Save hundreds per month compared to FHA or conventional loans with low down payments. VA loans never require private mortgage insurance.
VA loans consistently offer lower interest rates than conventional and FHA loans, saving you thousands over the life of the loan.
Your VA loan benefit isn't one-and-done. Use it multiple times throughout your lifetime — for each PCS move or when upgrading homes.
When you sell, a qualified buyer can assume your VA loan and keep your rate — a powerful selling advantage in a high-rate market.
Our team serves military families at Fairchild Air Force Base. We understand PCS timelines and close VA loans fast — often in 21 days.
VA loans are guaranteed by the Department of Veterans Affairs, meaning the VA promises to repay a portion of the loan if you default. This guarantee allows lenders to offer better terms. You'll pay a one-time VA funding fee (1.25%-3.3% of the loan amount depending on service type and down payment), which can be rolled into the loan. Disabled veterans are exempt from this fee. There's no monthly mortgage insurance, which saves hundreds per month compared to FHA or conventional loans with less than 20% down.
Currently serving and looking to buy a home near their duty station
Honorably discharged and ready to use their earned benefit
Previously used VA loan and want to use the benefit again
Eligible surviving spouses of service members who died in service or from service-connected disabilities
Get answers to common questions about va loans.
Explore other financing options that may fit your situation.
Q Home Loans specializes in va loans for homebuyers and investors in Washington. Get expert guidance and competitive rates.