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We’ll make it easy.You make it home.

We’ve streamlined VA homebuying — so you can buy your first or fifth home with confidence.

VA Loan Requirements

See if you meet the requirements to use your cost-saving benefits in 2024

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First-Time Homebuyers

Find out why VA Loans are ideal for Veterans and military families buying their first home.

How it works >

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Join the thousands of Veterans who start their homeownership journey right here every day.

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VA Loan Calculator

Estimate a monthly mortgage payment that fits your budget including taxes and insurance.

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Home Affordability Calculator

Get the most from your benefits and budget

Find out why VA Loans are ideal for Veterans and military families.

VA Loans

0% Down

No PMI

Competitive Rates

Easier to Qualify

VA home loans offer lifetime value. Your hard-earned benefit can be used over and over again. See how much you can save with the lowest average interest rate when compared to USDA, FHA, and Conventional Loans.

Reasons to choose us

EMI Calculator

SDVA Homes offers a user-friendly EMI calculator, empowering veterans to easily assess and plan their mortgage payments with transparency.

Customers love us!

With a strong track record of customer satisfaction, SDVA Homes has garnered trust and loyalty from veterans, making them a preferred choice in the mortgage market.

Easy Documentation

Streamlining the process, SDVA Homes ensures easy documentation, reducing hassles for veterans and expediting the loan application procedure.

Fast Approval

Recognizing the urgency, SDVA Homes prides itself on fast approval times, providing veterans with swift access to the financial support they need.

Loved by 1,000+ people around the world!

You won’t be the only one lorem ipsu mauris diam mattises.

I just love this teams, Mr Scott Rojo’s team, they are just amazing team with beautiful heart as well. They went way beyond to give me and my son a dream house, where we can call it our very own. We really appreciate 🙏 to what they did for us and plus it was so quickly doe, I did even believe it ,that we got it. ❤️ thanks so much 🙏 💓 🙏 Wishing each one them the very best in future and I will always be happy to refer this team to anyone who is looking for their dream home. 😊 🙏🙏🙏🙌🙌🙌🙌🙌🙏🙏🙏🙏🙏 Wishing All HAPPY HOLIDAYS 😊

Shanshlesh Singh

If you want a professional and seamless home buying experience, I highly recommend Rojo Mortgage.

We were introduced to Scott through our realtor, Stephani Menser ( shout out the Stephani, she is hands down amazing!!)
Working with Scott was a great experience. He is knowledgeable, straightforward, responsive and overall extremely helpful throughout the mortgage process. From the very first phone call to after closing, Scott and his team (shout out to Madison) delivered a service that went above and beyond our expectations.

Thank you so much to Rojo Mortgage, we will definitely be using them for our present and future mortgage needs and you should too!!

Andrea Marshall

Scott and his team are fantastic, and working with them was an absolute pleasure from start to finish. Scott’s expertise and professionalism made the mortgage process seamless and stress-free, and he went above and beyond to find the best rates and options tailored to my needs. I highly recommend Scott to anyone in search of a reliable and trustworthy lender – we will definitely be working with him again in the future.

Thank you for your outstanding service!

Josh Walters

Working with Scott and his team was a fantastic experience! Scott is very knowledgeable, responsive and professional. He knows the market and provided sound advice throughout the mortgage process.

Vanessa Greenlee

Scott is the most knowledgeable mortgage broker I’ve worked with in my life. He and his team are not only deservedly trusted advisors, they have proven to be an extremely effective team, meeting all deadlines and communicating details throughout the process. I highly recommend Scott. You will not be disappointed

Mary Sue Benz

Making decisions as big as a home purchase, or refinancing that purchase can often be overwhelming, especially when you are not familiar with the process… to say that Scott and his team have been phenomenal would be an understatement. Always available to answer even the smallest and simplest of questions, he makes time, I was well informed, he is patient and at the same time drives to make sure the process closes on time.
There is no one else I would want on my side for these types of transactions- if you need help with your next home purchase or refinance, please call Rojo Mortgage. I cannot thank them enough.

Hilary Herndon

Working with Scott regarding our first home purchase was a very professional and exciting experience. Facing this current market may seem intimidating but Scott will ensure your interest rate is the best his team can serve you. Another aspect of working with Scott and his team that we appreciated was his openness to a plethora of questions. As this was our first home purchase – Scott made sure we were educated on what steps were on as well as what was happening behind scenes as we wait for certain approvals. There was never a hidden fee or stone unturned when working with Scott. His team members respond as soon as possible and Madison especially was a great help to work with. Thank you again!

Alyssa Wade

Frequently Asked Questions

Our mission is to deliver reliable, latest news and opinions.

The ability to buy a house without a down payment is a key perk of VA financing. This significant benefit has been part of the lending program since its inception. Qualified Veterans can purchase a home without a down payment, regardless of the size.

Most other loan options will demand a down payment, which is often 3% or more of the loan amount. Saving for such a large sum can take years for many veterans and military families. VA purchasers with a large down payment might opt to invest their money elsewhere.

VA loans have had the lowest average interest rate on the market for at least the last two years, according to data from Optimal Blue.

Getting a lower rate can help Veterans qualify for a larger loan. Lower rates also translate to greater savings in both monthly payment and over the life of the loan.

VA loans were established to increase access to homeownership, and one way they continue to do so is by implementing more flexible and forgiving credit underwriting rules.

Credit score minimums vary by lender, although VA loans often have lower score requirements than other loan kinds. Veterans United normally looks for a minimum FICO score of 600. VA loans do not have a rigid debt-to-income ratio limit, and they usually have shorter waiting periods after bad credit events such as bankruptcy or foreclosure.

Closing expenses and fees might vary when financing a home purchase. With VA loans, lenders are limited in how much they may charge a Veteran to originate and complete a loan.

In a VA transaction, sellers can pay all of the buyer’s loan-related closing expenses, as well as up to 4% of the loan amount in concessions. There are several prices and fees that VA purchasers are not permitted to pay

Buyers who cannot afford a 20% down payment on traditional loans are typically required to pay private mortgage insurance (PMI), an extra monthly fee that reduces their purchasing power. FHA loans need both an upfront and monthly mortgage insurance payment.

VA loans do not need a down payment or mortgage insurance, saving Veterans money and increasing their home-buying budget.

These are just a few of the advantages that the VA loan provides purchasers and homeowners. You may learn more about VA loan perks and answers to frequently asked questions in our guide.

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