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Loan Program Spotlight

VA Home Loans & Mortgage Refinancing

The VA Home Loan program is a great mortgage choice for active military members, Veterans, and their surviving spouses. For almost all service members and Veterans, VA loan terms usually provide a better choice over Conventional, FHA or USDA loans. Most importantly, the VA Home Loan benefit offers a no-money-down, fixed rate loan. The VA benefit also provides a low-fee option for Veterans with service connected disabilities and surviving spouses meeting eligibility requirements set in place by the U.S. Department of Veterans Affairs.

Proudly Serving Active Military Members & Veterans For Over 15 Years

100% VA Cash Out Refinance

This type of loan helps you get cash from the equity in your home. A cash out refinance loan may help you pay off high interest credit cards or give you cash for home improvements. Most lenders cap the loan amount at 90% of the home value. Not HomePromise! You may qualify for our 100% VA cash out loan. Apply For A VA Cash Out Refinance

VA Loan Requirements

VA Home Loan benefits are usually the best mortgage choice for military members, Veterans, and their surviving spouses. For most VA eligibile borrowers, the VA benefit is a better option than conventional, FHA or USDA loans. Find out more about VA home loan requirements from one of our VA lending experts. See VA Home Loan Benefits Here

VA Debt Consolidation

From unexpected medical bills to high interest credit cards, debt can happen to anyone. Other expenses like college tuition, delinquent taxes, and second mortgages can also cause financial stress. For veterans and active service members, a VA military debt consolidation loan may help. Apply For A VA Debt Consolidation Loan

VA Loans & Bankruptcy

There is hope for veterans and service members after a VA bankruptcy. We help eligible Veterans with credit scores as low as 580. Most VA lenders make you wait years to get a VA loan after a bankruptcy. You may qualify with us in as little as 12 months! Apply For A VA Loan After Bankruptcy

VA Loans For Non-Veterans

Most VA lenders only allow you to get a VA loan on your own or with a spouse as a co-borrower. We won’t block you from using your VA benefits that way! With HomePromise, you may qualify to apply with your brother, sister, parent or anyone else. Apply For A VA Loan With A Non-Veteran

Low Credit Score VA Loans

If you have a lower credit score you may not qualify for a VA loan with many lenders. Don’t lose hope because not all VA lenders are created equal! Call HomePromise now to see if you qualify for a VA Loan with a credit score as low as 580. Apply For A VA Loan With A Low Credit Score

Get A VA Loan Review

Call our VA loan experts today 800-720-0250! Get your questions answered about buying a home or refinance using your VA home loan benefits.

Get A VA Loan Review

Call our VA loan experts today 800-720-0250! Get your questions answered about buying a home or refinance using your VA home loan benefits.

Not A Veteran?

We understand your situation is unique. Call 800-720-0250 to talk to one of our team members today. Applying with us is always 100% free. That’s the HomePromise Way.

Asset Based Mortgages

Asset-based lending allows you to use your assets as income. We allow you to use an IRA, 401(k), or other investments to qualify with HomePromise. We turn your assets into more income than other lenders.  Call now to see if you qualify. Apply For An Asset Based Mortgage

Pay Off Debt Now

A cash-out refinance to pay off debt can lower your monthly payments.  Like the name suggests, it gives you cash to pay off high interest credit cards or other debts.  Our flexible lending guidelines may approve you when other lenders turn you down. Apply To Pay Off Debt Now

Is A Home Equity Loan Right?

Are you thinking about applying for a Home Equity Line of Credit (HELOC)? HomePromise may have a much better option for you. Call today and speak to one of our lending experts now. See if you qualify for a better option with a lower fixed interest rate. See About HELOC Alternatives

What Our Customers Are Saying


I just want to thank you very much for your work to help us refinance our loans. I know you had to do so much work for us and we really appreciate it. If I know anyone who wants to buy a home or refinance I will do my best to refer you to them. Again, thank you very much.

Mary - Hanover, PA

My mother recently had a refinance with HomePromise. The process was easy for her (and I) to follow. The loan representative was very helpful and responsive for the entire process and explained everything. I would definitely recommend this company.

Dorothy - San Diego, CA

This company out did themselves in my expectations. They were not pushy; they waited on me and kept contact with me even when I wasn’t sure if I was going to be able to refinance. I had a wonderful experience and highly recommend them for your next mortgage needs!

Paul - Waynesboro, PA

I am a Veteran and they helped me understand the best options with my VA loan. They were great all through the process. I will definitely be telling others about Home Promise.

Jeff - Richmond, VA