Buy a home with 0% down, no PMI, and low VA rates or refinance your VA loan by lowering your rate or tapping your home equity. We fund loans in-house and shop lenders across the country to find your fit.
Veteran-specialist loan officers, fast closings, and low rates.
Buy with nothing down and no monthly mortgage insurance.
Most Agave VA loans fund in under 25 days end to end.
Lower your rate with minimal paperwork via VA IRRRL.
One team from quote to keys — no handoffs.
Our straightforward process brings fast quotes, a simple online experience, easy e-signs, and expert advice every step of the way.
Get started online or on the phone in minutes.
We shop top lenders and loan programs to deliver simple and easy-to-understand numbers.
Upload docs, e-sign securely, and get your approval fast.
Review and sign your closing documents. Enjoy low rates, new savings, or the keys to your new home!
Pick the officer you click with — every Agave LO is dedicated to your file from quote to close.
Jena is a skilled Presidents Club Mortgage Loan Originator with more than 3+ years of experience, offering personalized service for both purchase and refinance mortgages.
Greyson has a proven track record of securing favorable rates and terms for his clients with 2+ years of experience.
Hanna and Agave Home Loans will guide you through the home buying or refinance process with ease and transparency with 8+ years of experience.
Talk to a VA-specialist loan officer today — no credit pull, no obligation.
The process from beginning to end was easy and fast. Raylene was patient with me as I got stuff ready to be able to proceed with loan process. Both Raylene and Thomas made themselves easily accessible to reach at any time and their response came quick.
Low rates, online process, and an easy closing on my VA IRRRL.
Amazing company. Loren and Alex are on point. Stayed in contact all day every day through the process. Couldnt have asked for a more better team and a better experience.
Quick answers about VA loans, eligibility, and how Agave compares.
We provide the options, you make the choice. Our home loans are backed by expert guidance, competitive rates, and complete transparency.
Modern tools and a streamlined process help you close quickly without the confusion or extra costs.
VA loans are available to veterans, active-duty service members, and members of the National Guard and Reserve who meet the service requirements, along with some surviving spouses. Eligibility is confirmed with a Certificate of Eligibility from the VA, which we can help you request. Service length requirements vary depending on when and how you served, so if you're not sure whether you qualify, that's one of the first things we'll check — usually in the same conversation where we look at your rate.
No. For most eligible borrowers with full entitlement, a VA loan requires no down payment at all, and there's no monthly mortgage insurance either. What the VA charges instead is a one-time funding fee: currently 2.15% of the loan amount on a first purchase with less than 5% down, dropping to 1.5% if you put down 5% and 1.25% at 10% or more. If you receive VA compensation for a service-connected disability, you're exempt from the funding fee entirely.
We're both a mortgage broker and a lender. That means we can fund your loan ourselves or shop it across multiple lenders and banks for competitive rates and programs, while keeping more control over the process. You'll work with the same loan officer and processor from your first quote through closing, so you're not re-explaining your situation to someone new. Our goal is to lay out the pros and cons of each option so you can choose what fits your situation.
Most Agave VA loans fund in under 25 days end to end. Two VA-specific steps affect the schedule: obtaining your Certificate of Eligibility, which is usually quick and which we can request on your behalf, and the VA appraisal, which follows its own process and timing. The largest variable is normally how quickly documents come back. We'll tell you up front what we need and flag anything that could slow the file down before it does.
Yes, and there are two routes. A VA Interest Rate Reduction Refinance Loan, or IRRRL, is the streamline option for lowering your rate — it typically needs less documentation than a standard refinance, and the funding fee is 0.5%. A VA cash-out refinance lets you access your home's equity, and it can also be used to move a non-VA loan into a VA loan, with a funding fee of 2.15% on first use. We'll run both against your current loan and show you whether either one actually saves you money.
Disclaimer: By refinancing your existing loan, your total finance charges may be higher over the life of the loan. This is not a commitment to lend or an offer to extend credit. All loans are subject to credit approval, underwriting, and program guidelines. Not all applicants will qualify. Rates, fees, terms, and programs are subject to change without notice and may vary based on credit history, loan-to-value (LTV), property type, occupancy, loan amount, loan purpose, and other factors. Any rates, payments, or savings examples shown are for illustrative purposes only, are based on assumptions that may not apply to your situation, and are not a quote or guarantee of available terms. Your actual rate and payment will depend on your individual circumstances. Maximum LTV varies by loan program, property type, and occupancy, and stated LTV limits may not be available for all borrowers or programs. Additional restrictions, conditions, and requirements may apply. Contact us for a personalized quote.
Agave Home Loans offers low, competitive rates on a full range of mortgage products, including VA, FHA, conventional, jumbo, cash-out, HELOC, home equity, and more. Based out of Phoenix, Arizona, we help homeowners and homebuyers nationally to refinance, access home equity, and purchase. Our team is committed to an easy and online home loan experience at every milestone.
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