Air Force Veteran · NMLS #317293
ZeroDown.ZeroRunaround.
I'm Jason Wood — Air Force veteran and VA loan specialist. I've helped over 2,000 families finance a home, and I've used this benefit on my own house more than once.
Free. No obligation to apply. You'll get a real answer — even if it's "not yet."
$0
Down Payment
Not a commitment to lend. Subject to credit approval.
$0
Down Payment
2,000+
Families Helped
20+
Years in Lending
2
Licensed Companies
Meet Your Guide
I've Been Where You Are.
I'm Jason Wood, better known as the VA Loan Guy. I served in the Air Force from 1999 to 2005, and I started originating loans in 2001 — while I was still in.
Plenty of lenders will take a VA file without specialising in it. Every lender out there can click the VA button on their computer and tell you "yeah, I do VA loans." Technically they can. It doesn't mean they've ever read the VA handbook — which is basically the operator's manual for this loan.
I've helped over 2,000 families finance a home. I'm licensed in multiple states through two licensed mortgage companies. I host the Armed & Ready Podcast, I've been a guest on CNBC's Financing the American Dream, San Diego, and I run the Armed & Ready Foundation teaching financial basics to active duty.
And I've run this play on my own house. On my last purchase I went in over the asking price, because I knew how much seller credit I wanted and I had a feeling that asking straight out would just get my offer rejected. So I went over asking and asked for the credit. It covered all my closing costs and a 2-1 buydown — my start rate for the first year came in two full points below where it would have been. That's the kind of thing you learn by doing this every day.
“I liken it to getting personal training. You've got the person at the gym who's super fit, looks like they work out all the time, has a bunch of clients. Then you've got the other trainer who's clearly not following their own recipe. Which one do you pick? No different on your lender.”
— Jason, on YouTube
- Air Force Veteran, 1999–2005
- NMLS #317293
- Scotsman Guide — Ranked VA Loan Expert
- Top Military Loan Originator 2020 · 2021 · 2022, Mortgage Originators Magazine
- Founder, Armed & Ready Foundation
- Licensed in Multiple States
The Plan
Four Steps.One Specialist.Your Home.
“Arm yourself with information, develop a personalized plan, then execute that plan. That's something we all learn in the military.”
Book a free call
We go through your eligibility, your credit, your income and your assets, and I give you a straight read on where you stand and what to do next. Free, no obligation to apply, and you'll get a real answer even if the answer is "not yet." Any figure I give you on that call is an estimate, not a loan approval.
Get properly pre-approved
We handle the paperwork and run your file through underwriting before I hand you a letter — so when a seller sees it, it means something. Some lenders will give you a pre-approval off a phone call with no documents. Agents know the difference, and so do sellers. Final approval is still subject to appraisal, title and verification.
I help you win the house
Here's what most lenders won't do. When your offer goes in, I follow up with the listing agent myself — a phone call, and a video — and I sell them on why they should take your offer. Most lenders aren't even copied on that email. They're waiting for someone to tell them it's time to go do a loan. Getting the house is the victory. That's the one you fell in love with, the one where you pictured the barbecues and your family actually living there.
Close and get your keys
We stay on it through underwriting, appraisal and closing day. We get the file spit-shined and polished before it goes to the underwriter.
Wondering what you'd actually qualify for?
Book a Free CallThe VA Loan Advantage
It's Your Benefit.You Earned It.
$0 Down Payment
One hundred percent financing — no down payment to save up for first. That doesn't mean zero money out of pocket, and I'll tell you upfront exactly what you'll need at closing.
No Monthly Mortgage Insurance
On a conventional loan with less than 20% down, the lender usually requires private mortgage insurance — and here's the thing about it: it protects the lender, not you. VA loans don't carry it. There is a one-time VA funding fee, 1.25%–3.3% depending on your service, your usage and your down payment, which can usually be rolled into the loan — and many veterans with a service-connected disability rating are exempt from it entirely.
Closing Costs, Explained
Closing costs typically run 2–5% of the purchase price. That's the number one concern I hear from veterans — not the down payment. There are three ways to cover them: out of pocket, a lender credit, or negotiating the seller to pay them. On my own last purchase I used the third one.
Lower Rates
The VA guarantees 25% of the loan to the lender — think of it as an insurance company for the bank. Less risk to the lender is why VA rates have historically run below comparable conventional rates: in Jason's experience, roughly a quarter to a half of a percentage point. Rates change daily and depend on your credit, loan amount and lock period. Ask for today's numbers.
Rates and terms are subject to change without notice.
Flexible on Credit
The VA sets no minimum credit score — lenders do. That's why one lender says no and the next says yes. I had a client come to me who'd been told no by one of the big banks — the bank where they did all their banking, where their direct deposit went. Declined, because their score didn't meet that bank's own minimum. As far as what the VA actually requires, their credit was fine. We got them into a home.
Use It More Than Once
Your VA entitlement isn't one-and-done. When you sell or pay off the loan, entitlement can usually be restored so you can use the benefit again — conditions apply and the VA has to approve the restoration. Or keep the first house, and we do the math on what's left for the next one. I've used mine more than once myself.
Jason Wood is not affiliated with, endorsed or sponsored by the U.S. Department of Veterans Affairs or any government agency. VA loans are made by private lenders and guaranteed in part by the VA.
That's the benefit. Let's see what it does for you.
Book a Free CallFAQ
My credit isn't great. Do I even qualify?
The VA sets no minimum credit score at all — individual lenders set their own. Your credit doesn't have to be perfect to get a VA loan. Every file is different and nothing is guaranteed, but if credit is what stopped you before, it's worth asking again.
Do I qualify — how much service does it take?
It depends on when and how you served, and there is more than one path. Roughly: 90 continuous days of active duty during a wartime period, 181 days during peacetime, or six creditable years in the Guard or Selected Reserve. Guard and Reserve members can also qualify with 90 days of active duty that isn't training — for the Guard that means Title 10 duty, or 90 days including at least 30 in a row. If you served after August 1990 the VA generally looks for 24 continuous months, or the full period you were called up. Training time on its own doesn't count. One thing worth knowing: near the end of a six-year obligation a commander is sometimes trying to be good to you and says take the last day off, don't come in. Unintentionally that can leave your points record one day short — and that one day can cost you your entitlement. Finish every day. The VA makes the final call through your Certificate of Eligibility. I can pull yours in a few minutes — that beats guessing off any list, including this one.
Is there still a VA loan limit?
Not if you have full entitlement. County loan limits were removed for full-entitlement borrowers in January 2020, under the Blue Water Navy Vietnam Veterans Act. You still have to qualify — but the old county ceiling isn't the cap it used to be.
How is a VA loan different from conventional?
Conventional loans usually cap debt-to-income around 45%. The VA doesn't publish a hard cap the way conventional lending does — it looks at residual income instead, and in practice I've had VA files approved well above 60%. Every file is different and approval is never guaranteed, but if debt-to-income is what stopped you elsewhere, it's worth a second look.
Still got a question? Ask it on a free call.
Book a Free Call4.8 Stars · 79 Reviews on Google (as of August 2026)
Don't Take Our Word For It.
“My husband and I were initially frustrated simply thinking about the mortgage process. We saw a YouTube video Jason had uploaded, explaining everything… [We] w[ere] shocked to speak to and actually work with Jason on our South Carolina VA mortgage loan from start to finish. He maintained constant communication with us, as well as reaching out to our Realtor and Seller's Agent throughout the entire process.”
“Working with Jason has been an outstanding experience. He took the time without delay to help my wife & I navigate the process. He also provided outstanding professional advice that helped us find what worked best for us. Jason is the best.”
“I just got off the phone with Jason Wood, and I couldn't be more excited about the potential opportunity for a new property. He was incredibly professional, kind, and understanding — and most importantly, he and his team are clearly there to help. A great experience!”
Reviews reprinted from Google. These are individual experiences and are not a guarantee of any particular result, rate, timeline or loan approval.
Read all 79 reviews on Google →Put Your Benefit to Work
Let's PutIt To Work.
Book a free call. My team and I are experts at the VA loan, we're experts at lending, and we're here to serve you.
Aim high.