Business Details
7 Years
experience
Your Trusted VA Loan Partner
At American VA Loans, we specialize in simplifying the home financing process for veterans and active-duty service members. With over 50 years of collective experience in VA loan programs, our team of licensed experts is dedicated to helping clients navigate the complexities of VA mortgages. We prioritize personalized service, ensuring clients understand their options for purchases, refinances, and investment properties.Our streamlined approach eliminates unnecessary hurdles like appraisals and income verification in many cases, while our commitment to transparency ensures no hidden fees. Headquartered in California, we serve veterans nationwide, combining deep industry knowledge with a passion for supporting those who have served our country.
Services
VA Purchase Loans
VA Jumbo Loans
Conventional Loans
VA Streamline Refinance
Home Purchase Assistance
Refinancing Options
Investment Home Loans
Mortgage Consultation
Certificate of Eligibility
Rate Quotes
Details
- Year established: 2019
Highlights and features
- We have over 50 years of combined experience with VA Loans.
- Our team provides full rate quotes with no credit check.
- Licensed VA loan experts available for direct consultation.
- Streamlined process closes loans in as fast as 10 days.
- Dedicated to serving veterans and their families nationwide.
Services
VA Purchase Loans
VA Purchase Loans enable veterans to buy homes with zero down payment and no private mortgage insurance. These loans offer competitive interest rates backed by the VA, allowing financing up to 100% of the home's value. Our team guides clients through purchases of single-family homes, condos, and multi-unit properties while ensuring compliance with VA requirements.
VA Jumbo Loans
VA Jumbo Loans exceed standard VA loan limits, currently up to $3 million. These loans maintain VA benefits like zero down payment for qualified borrowers while accommodating higher property values. We assist clients in navigating stricter credit and income requirements while leveraging VA guarantees to secure favorable terms compared to conventional jumbo loans.
VA Streamline Refinance
The VA Streamline Refinance (IRRRL) lowers existing VA loan rates with minimal documentation. No appraisal or income verification is required, and closing costs can be covered at closing. This process typically completes in under 30 days, helping veterans reduce monthly payments or shorten loan terms without out-of-pocket expenses.
Conventional Loans
Conventional loans provide flexible options for non-VA-eligible borrowers. Available as fixed or adjustable-rate mortgages, these loans meet Fannie Mae/Freddie Mac guidelines with loan limits up to $1,089,300 in high-cost areas. We offer competitive rates for borrowers with strong credit profiles seeking purchases or refinances outside VA program parameters.
Mortgage Consultation
Our expert consultation service helps clients evaluate VA and conventional loan options. We provide personalized rate quotes without credit checks and explain eligibility requirements, funding fees, and refinancing opportunities. This service ensures borrowers make informed decisions aligned with their financial goals and military service benefits.
People
Brandon Brown
President/CEO
Licensed CPA and real estate broker with 20+ years in real estate and lending. Former Ernst & Young auditor specializing in real estate clients. Holds a B.S. in Accounting from Brigham Young University and manages residential investment properties through Catamaran Group LLC.
Brandon Dinsbach
Mortgage Consultant
Top-producing loan originator with 6 years at Goldman Sachs and BCBG Max Azria Group. Holds a Finance degree from BYU and specializes in guiding veterans through home purchases and refinances while maintaining a client-focused approach.
Paul Collier
Senior VA Mortgage Consultant
13-year mortgage industry veteran focused on active duty and veteran clients. Graduated from California State University, Fullerton with a degree in International Business. Recognized as a top producer for his integrity and client relationship-building expertise.
Blake Nuttall
Partner, Mortgage Loan Originator
Co-founder with a decade of mortgage experience. Former Patriot Home Mortgage professional and BYU Business Management graduate. Fluent in Spanish, endurance athlete, and real estate investor specializing in short-term rentals and VA loan education.
Questions
What is a VA Loan?
A VA Loan is a mortgage program for veterans, active-duty service members, and eligible spouses offering zero down payment, no mortgage insurance, and competitive interest rates backed by the U.S. Department of Veterans Affairs.
Can I get a VA Loan with no down payment?
Yes, VA Loans allow qualified borrowers to finance 100% of a home's purchase price without down payment, provided they meet VA eligibility requirements and property guidelines.
What are VA Jumbo Loan requirements?
VA Jumbo Loans exceed standard VA limits (up to $3 million) and require credit scores typically above 620, proof of income, and debt-to-income ratios under 41%. Full entitlement allows zero down payment in most cases.
How does the VA Streamline Refinance work?
The VA Streamline Refinance (IRRRL) lowers existing VA loan rates with minimal documentation. No appraisal or income verification is needed, and closing costs can be covered at closing, often completing in under 30 days.
Are VA Loans only for first-time homebuyers?
No, VA Loans can be used multiple times by eligible veterans for primary residences, including purchases, refinances, and construction of single-family homes, condos, or multi-unit properties where the borrower occupies one unit.
