The Lowdown on VA Loans

Speak to one of our Senior Loan Officers today to discuss your VA loan

Let your mortgage serve you — not the other way around.

If you’re a veteran or active-duty service member looking to improve your financial situation, a VA refinance can help you reshape your loan to better fit your life today.

We’re here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.
va loans

Start Your Journey

Complete our quick assessment — no paperwork, no pressure.

Get Custom Loan Options

Instantly receive tailored solutions based on your situation.

Compare with Confidence

Review real-time rates, terms, and payments side by side with our Custom Benefits Analysis tool.

Choose & Move Forward

Select your best fit and take the next step toward financial freedom & homeownership.

VA Loan Benefits

Flexible Credit

Lenient credit and income standards ensure a broader range of veterans can qualify for a VA loan.

No PMI

Eliminate the need for private mortgage insurance, reducing your monthly costs and simplifying your budget.

Low Down Payment

Achieve homeownership without the burden of a large upfront payment, making it easier to secure your dream home.

Competitive Rates

Benefit from attractive interest rates and a streamlined approval process that helps you close quickly and confidently.

Do I Qualify?

Talk to one of our experienced loan officers for a quick, no-pressure review. We’ll explore every option to find a custom loan solution that fits your needs—even if you’ve faced credit challenges.

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Discover Our Home Loan
Solutions

Whether you’re a first-time buyer, refinancing your current home, or expanding your real estate portfolio, we have the perfect loan products tailored to your specific needs.

Why Choose Our Loan Products?

What People Are Saying About AdvantageFirst Lending

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Richard Dickson profile picture
Richard Dickson
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Friendly, prompt, and clear information throughout the process.
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Terence Boodhoo profile picture
Terence Boodhoo
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Sema was from start to finish directly involved in the entire process keeping us updated as to the steps and the time line. Towards the end of this year or into next year I'll be purchasing a second home. My first step will be to call Sema.
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Vincent Talmo profile picture
Vincent Talmo
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“5-Star Review: Excellent Mortgage Refinance Experience! JUSTIN P. JOHNSON” I recently refinanced my home mortgage through Advantage First Lending and couldn’t be more pleased with the experience. From start to finish, the process was smooth, efficient, and stress-free. Justin and his team were incredibly knowledgeable and walked me through every step, answering all my questions with patience and clarity. Not only did I secure a significantly lower interest rate but I was also able to reduce my monthly payments. The paperwork was minimal and handled quickly and I was kept informed throughout the entire process. Closing was fast and convenient, with no hidden fees or surprises. This refinance has brought me both financial relief and peace of mind. I highly recommend Justin and Advantage First Lending to anyone considering refinancing their home They’re professional, reliable, and truly focused on customer satisfaction. JUSTIN P. JOHNSON will be my mortgage guy for life! Sincerely, Vincent A. Talmo
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John Billington profile picture
John Billington
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My loan officer, Justin O Johnson was great to work with. The refinance process with sign offs is automated well online. I was especially appreciative of the work Justin and his team did with obtaining preliminary underwriting approval before we went through with the appraisal process. Thank you for your support Justin.
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James Simanski profile picture
James Simanski
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Justin p Johnson was the most patient and kind person I’ve ever dealt with Very professional
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KC Johnson profile picture
KC Johnson
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We had an amazing experience working with Justin p. Johnson. He is well informed and made the refinancing process a breeze.
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peter smith profile picture
peter smith
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Justin has been an excellent partner from the very beginning of the process and right up to the end. I would highly recommend Justin and his entire team at Advantage1st. Peter Smith
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Benny Sanzari profile picture
Benny Sanzari
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Justin P Johnson was very helpful,answered all questions and was always there to answer my calls,emails,texts. A+
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Bonita Whittaker profile picture
Bonita Whittaker
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My loan started off shaky.. I wasn’t getting the follow up that I was expecting until a new loan person was assigned after I voiced my displeasure.That person was Ethan Pope. He was fantastic! He was right on top of things and kept me apprised of everything, and offered assistance if I needed any additional help with anything. He was truly the blessing I needed at the time. It was really a pleasure working with him, and I can’t say enough good things about him. Professional, courteous, informative and prompt. He made my experience a pleasure working with Advantagefirst Lending.

Speak with a Senior Loan Officer right now

(888) 966‑4892

(888) 966‑4892

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Get Your FREE Refinance analysis Now!

The market is changing constantly; your quote will vary on a variety of factors. Talk to one of our Senior Loan Officers today or apply online to get your custom quote