Your Service, Your Reward
You deserve part of the American Dream you protected. A VA Loan can help you move into a home worthy of your sacrifice.
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Expert Guidance for
Veterans and Service Members
VA Loans provide veterans, active-duty service members, and eligible spouses with a powerful path to affordable homeownership. These loans, backed by the U.S. Department of Veterans Affairs, offer key benefits such as no down payment, competitive interest rates, and no private mortgage insurance (PMI), making them more cost-effective than conventional loans.
Veterans can use VA Loans for home purchases, refinancing, or property improvements.With no early repayment penalties and flexible refinancing options like the VA Interest Rate Reduction Refinance Loan (IRRRL), veterans can lower monthly payments or reduce interest rates. Eligibility includes meeting financial criteria such as creditworthiness and income verification.
Working with a VA Loan expert like Joel Comp from Compfactor ensures veterans maximize their benefits and enjoy a smooth mortgage process. Joel’s expertise makes it easier to navigate the complexities of VA Loans, offering personalized guidance to secure the best terms for homeownership.
You are eligible for a VA Loan if you meet at least one of the following:
1
You have served 90 consecutive days of active service during wartime, OR
2
You have served 181 days of active service during peacetime, OR
3
You have 6 years of service in the National Guard or Reserves, OR
4
You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.
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Simple: we find the right loan for you.
We're committed to finding the right loan product for you with the fewest number of steps to get you from here to closing day as soon as possible. Getting into your new home is closer than you think.
Pre-Qualification and Documentation
The first step in your loan process. You can fill out your application either online or in person and then your loan officer will help you determine which loan product is right for you and what you'll need to move forward.
Find your New Home
Now that you've gotten pre-approved you're ready to start shopping for your new home! A trusted real estate agent can help you find your dream home and make sure you're getting the best terms and price on your house.
Start the Loan Process
With your sales contract agreed upon your loan officer can now begin working on your loan to find you the best options and terms and provide you with your estimate.
Appraisal
An inspector will now do a thorough examination of the home and notify you of an defects or other information you'll want to know about. Then it's time for appraisal.
Conditional Approval
You're almost there! At this point, an underwriter will review all of your documentation. If it meets the minimum requirements, they’ll issue you a “conditional approval.”
Closing
Now that everything's in order you're ready for your final sign-off and closing. We’ll get the paperwork ready for you to sign, then we’ll move the money to the title company to pay for your home.
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GFS Home Loans is a division of Right Start Mortgage, Inc (NMLS# 35960)
The following licenses are held by Right Start Mortgage, Inc. d/b/a GFS Home Loans, NMLS #35960. Corporate offices are located at 80 S Lake Avenue, Suite 520, Pasadena, CA 91101. Phone: 800-520-5626. Some products may not be available in all states. This is not a commitment to lend. Equal Housing Lender.
PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE MORTGAGE BANKER REGISTRATION AND RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSE ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV
TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.
MORTGAGE SERVICING: PURSUANT TO THE REQUIREMENTS OF SECTION 158.051 OF THE RESIDENTIAL MORTGAGE LOAN SERVICER REGISTRATION ACT, CHAPTER 79, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING: COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550.
A complaint form and instructions may be downloaded and printed from the Department’s website located at www.sml.texas.gov or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at smlinfo@sml.texas.gov.
The following licenses are held by Right Start Mortgage, Inc. d/b/a GFS Home Loans, NMLS #35960. Corporate offices are located at 80 S Lake Avenue, Suite 520, Pasadena, CA 91101. Phone: 800-520-5626. Some products may not be available in all states. This is not a commitment to lend. Equal Housing Lender.
PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE MORTGAGE BANKER REGISTRATION AND RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSE ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV
TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.
MORTGAGE SERVICING: PURSUANT TO THE REQUIREMENTS OF SECTION 158.051 OF THE RESIDENTIAL MORTGAGE LOAN SERVICER REGISTRATION ACT, CHAPTER 79, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING: COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550.
A complaint form and instructions may be downloaded and printed from the Department’s website located at www.sml.texas.gov or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at smlinfo@sml.texas.gov.
