Honoring your service
Home loans for those who served
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, members of the National Guard and Reserves, and certain surviving spouses. It is one of the most valuable benefits available to military families, with features that can make buying or refinancing a home more affordable.
Colorado is home to a large military community, and our team is glad to help you understand your VA eligibility, gather your Certificate of Eligibility and compare VA options from multiple lenders.
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Key VA loan benefits
Here’s how it can help
Flexible down payment
VA loans can offer some of the most flexible down payment options available for eligible borrowers.
No monthly mortgage insurance
VA loans do not require monthly private mortgage insurance, which can lower your monthly cost.
Reusable benefit
Your VA benefit can often be used more than once over your lifetime, depending on your remaining entitlement.
How it works with Luna Lending
Tell us your goals
Share what you are looking for and a little about your situation.
We shop multiple lenders
As an independent broker, we compare programs and pricing from multiple wholesale lenders.
Compare your options
We walk you through rates, costs and terms side by side, in plain language.
Close with confidence
We stay in touch from application to closing, with clear updates along the way.
Good to know
Questions we hear often
VA funding fee
Most VA loans include a one-time funding fee, which can usually be financed into the loan. Some borrowers, such as those receiving VA disability compensation, may be exempt.
Certificate of Eligibility
You will need a Certificate of Eligibility (COE). We can help you request it.
Primary residence
VA purchase loans are for homes you will live in as your primary residence.
Refinance options
VA offers refinance programs, including the Interest Rate Reduction Refinance Loan (IRRRL) and VA cash-out refinance.
Get ready
Let Luna Lending guide you home
Talk with a local Denver mortgage broker about your options. No pressure, just clear answers.
Get StartedThis page is for general educational purposes only and is not a commitment to lend or an offer of credit. Loan approval, rates, terms and program availability depend on credit, income, assets, property type and underwriting review, and may change without notice. Luna Lending Inc. | NMLS #2032089 | 1900 Grant St. Ste 1150, Denver, CO 80203 | 720-594-6585 | Licensed in CA, CO, NC and NV. Equal Housing Opportunity.