VA Purchase loans

You’ve Served Your Country, VA Loans are a Benefit You’ve Earned.

Take advantage of your VA eligibility and purchase a home with no money down.

VA purchase loans in Texas, Utah, Colorado


  • Are you a veteran, member of the military, or a surviving spouse of a veteran?
  • Do you want fast approval and minimal red tape?
  • Are you interested in refinancing up to 100% of your home, or buying a home with no down payment?

If you answered “yes” to any of these questions, a VA loan might be right for you! Qualify for VA loans even with less-than-perfect credit. Unlike other options, VA loans are available as either fixed-rate or ARM mortgages – and never include monthly insurance (PMI).

VA financing | 100% financing 

– No downpayment is required in most cases
– Borrow up to 100% of purchase price
– Lower closing costs
– Mortgage is assumable
– No Private Mortgage Insurance (PMI)
– No penalties if you prepay the loan
– You may be eligible for waiver of VA funding fee
– VA support during temporary financial difficulties

If you are a first time home buyer and eligible  for a VA loan consider the following:

With a VA home loan you can buy a new home for up to $1,000,000 with no down-payment and get the same low VA loan!

Sellers can pay your closing costs & Buy down your rate & Payoff existing Debts

With a VA loan, the seller is allowed to pay all of your closing cost.

The VA will not only allow the seller to pay all of your closing costs, you can also get the seller to pay 4% in addition to paying your closing costs.  This 4% can go towards your escrow accounts, prepaid interest, buying down your rate, AND it can actually pay off your debts!  If you also have a disabled status, your VA Funding Fee will be waived.  Typically this VA Funding Fee is over 2% of your loan amount and is financed into your loan. There is no monthly mortgage insurance to pay.



We are the VA mortgage Loan lender in Texas & Utah

If you want a lender that specializes in VA loans, Ben Gerritsen is the VA lender to go to.

  • Ben was so great to work with on our refinance. He went above and beyond to make sure it was done right and that everything was in place. We would highly recommend him to anyone.

  • Ben worked with us when we were buying a home and I was particularly impressed with how quickly he always responded, even at odd hours. He was a pleasure to work with and we have already recommended him to friends.

  • Ben was courteous, professional, and knowledgeable. He had our best interest at heart through our entire home buying process and never pressured us. I would recommend him to anyone who is looking to buy or refinance a home.

  • Easy online Application
    Online Mortgage Application

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    All loans subject to credit approval. Rates and fees subject to change. Mortgage financing brokered by Mortgage Miracles Happen, LLC. Equal Housing Lender.
    Mortgage Miracles Happen, LLC is a mortgage broker in Arizona, Colorado, Florida, Texas & Utah.
    NMLS: 1289680; Arizona: 0937981, AZ Address: 7137 E Rancho Vista Drive, STE B05, Scottsdale, AZ 85251;
    Colorado: Mortgage Miracles Happen, LLC; Florida License # MBR1900,
    UT: Mortgage Miracles Happen, UT license # 7380298 Utah DRE,
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    Tel: 1-(801)-399-2364 | Texas Office Tel: 1-(281) 724-7423|

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