Mortgage lenders

Match with a VA-approved lender.

Get connected with lenders who originate VA, FHA, and USDA loans every day — for a purchase, a refinance, or a loan assumption. The lender pays the referral, so getting matched costs you nothing.

Connect with a lender Browse assumable homes

You pay nothing — lenders pay the referral
VA, FHA, and USDA fluent
Assumption specialists on the network
You choose your lender

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Partner lenders nationwide

What you pay to get matched*

Loan programs — VA, FHA, USDA

Average partner rating, out of 5*

*Illustrative figures for general context only. Getting matched is free to you because participating lenders pay the referral; lenders set all rates and terms. Partner counts and ratings shown are illustrative examples of network partners, not a guarantee of availability in your area.

The match-and-close journey

How the match works

One short form starts it. From there, a VA-approved lender takes your file from submitted to closed — and you compare, with no obligation, at every step.

Milestone 01 of 04

One short form

your goal, timeline, installation, and loan type — shared once, with your service verified by CAC, DD-214, or ID.me

1 business day

a VA-approved lender who fits your file reaches out — and you can line up more than one to compare

Pre-approval letter

compare illustrative rate quotes side by side with no obligation; the lender sets your rate after reviewing your file

Keys in hand

close on your PCS timeline — commonly about 30–45 days for a purchase, or 45–90 days for a loan assumption

Illustrative timeline and figures only, not an offer or commitment to lend. Turnaround, pre-approval, rates, and closing timing depend on the lender, your qualification, the loan program, and current agency rules. Confirm any figure with a licensed lender.

Submitted

Tell us your goal

Share whether you're buying, refinancing, or assuming a loan, plus your installation, budget, and timeline. Verify your service once and you're ready to be matched.

Matched

Get matched with a lender

A VA-approved lender who fits your file reaches out, usually within one business day. Getting matched is free — the lender pays the referral, not you.

Pre-approved

Compare and get pre-approved

Review rate quotes side by side with no obligation. Your lender sets terms after reviewing your file, then issues a pre-approval letter so you can make VA-ready offers.

Closed

Close and keep your rate

Your lender coordinates with your agent and title to close on your timeline. On an assumption, you step into the seller's below-market payment for the life of the loan.

Connect with a lender How assumptions work

What you get

Why match through VPN

A shorter path to a lender who already speaks military — and a model that keeps the introduction free for you.

You pay nothing

Lenders on the network pay the referral. Getting matched, pre-qualified, and comparing quotes costs you nothing, with no obligation to move forward.

Assumption specialists

Several partners run VA, FHA, and USDA loan assumptions end to end, so a qualified buyer can step into a seller's below-market rate rather than finance new.

VA, FHA, and USDA fluent

Partners originate government-backed loans daily and know funding fees, entitlement, residual income, and how BAH factors into your budget.

Purchase or refinance

Match for a new purchase near your installation or a refinance on a home you already own — including an IRRRL streamline where it fits.

You choose the lender

We introduce more than one option where it helps. You compare rate quotes, ask questions, and decide who earns your file — never the other way around.

Vetted for military life

Every partner is reviewed for experience with PCS timelines, remote and OCONUS closings, deployments, and buying from another duty station.

The lender-paid model

Free to you, by design

The introduction is paid for by the lender, not the buyer. Here is what that means for your file.

Lenders pay the referral. The match is free to buyers and sellers — you owe nothing for the introduction, and there's no cost baked into your loan for it.
No obligation. Getting matched is not a loan application or a commitment. Compare quotes and walk away at any time.
The lender sets your rate. VPN never sets rates or makes credit decisions. Your terms come from the lender after they review your file.
One coordinated move. Your matched lender can work alongside a VPN agent, title, and insurance partner to keep the closing on schedule.

Connect with a lender Become a partner

Your cost to get matched

no fee to be introduced to a lender — the introduction is lender-paid

Application & credit feesSet by the lender

Rate & closing costsSet by the lender

VPN referral feePaid by the lender

Veteran Property Network is not a lender or mortgage broker and does not make credit decisions or set rates. Referral arrangements with participating lenders are structured as advertising and marketing and are intended to comply with applicable law, including the Real Estate Settlement Procedures Act (RESPA) where it applies to settlement-service providers. Any application, credit, or closing fees are charged by the lender.

Ask about assumable loans

A below-market rate you can inherit

VA, FHA, and USDA loans are assumable by law. When a seller locked a rate in 2020–2022, a qualified buyer can step into that payment instead of financing at today's rates. Ask a matched lender to run the assumption end to end.

See how assumptions work

2.75%

illustrative assumed VA rate from a 2021 origination, shown right on the listing

well below current market pricing

Illustrative example only, not an offer or commitment to lend. Actual rate, equity gap, and savings depend on the loan, your qualification, and current agency rules. Assumptions are subject to servicer and agency approval. Confirm with a licensed lender.

Before you start

What to have ready

A few basics make the match faster and the first lender call more useful.

Know your goal

Decide whether you're buying, refinancing, or assuming a loan, and near which installation you're headed.

Gather your basics

A recent LES or pay stub, a rough monthly budget, and your timeline or report date give the lender a starting point.

Have verification handy

Your CAC, DD-214, or an ID.me login confirms your service so lenders can trust the connection from the start.

Flag any assumable target

If a listing shows an assumable loan, note it so we match a lender with an assumption desk.

Partner directory

Lenders on the network

Representative partners across VA, FHA, USDA, and conventional financing — including specialists who process loan assumptions. You choose who to work with.

Get matched

Lender names, focus areas, specialties, and ratings shown are illustrative examples of the kinds of partners on the network and do not represent an endorsement, an offer, or a guarantee of availability, terms, or approval. Veteran Property Network is not a lender or mortgage broker; participating lenders pay the referral and set all rates, terms, and credit decisions, subject to your qualification and current agency rules.

Common questions

Lender matching, answered

No. Getting matched, pre-qualified, and comparing quotes is free to buyers and sellers. Participating lenders pay the referral, and there is no obligation to move forward with anyone we introduce.

No. A match is an introduction, not a commitment. Where it helps, we introduce more than one lender so you can compare rate quotes side by side and choose who to work with — or walk away.

Partners originate VA, FHA, USDA, and conventional loans for purchases and refinances, including VA IRRRL streamlines. Several also process VA, FHA, and USDA loan assumptions end to end.

Yes. When a listing carries an assumable VA, FHA, or USDA loan, we match you with a lender who runs assumptions, subject to servicer and agency approval. You do not have to be a veteran to assume a VA loan. See how assumptions work for the details.

No. VPN is a housing marketplace and referral network. We are not a lender or mortgage broker and do not make credit decisions or set rates. All loan terms, approvals, and pricing come from the lender after they review your file.

Once you share your goal and verify your service, a matched lender typically reaches out within one business day. Having a recent LES or pay stub and your timeline ready makes that first call more productive.

Ready to connect with a lender?

Get matched with a VA-approved lender for a purchase, refinance, or loan assumption. Free to you — lenders pay the referral. Or join the network as a partner.