Secure Your Home with Honor Dedicated VA Loan Solutions for Veterans

You’ve served your country with dedication. Now let us serve you with a home loan tailored to your heroic journey

Why Choose Aaron Kerscher and AZ Loan Help?

My Penance to You

I have been a civilian all my life, and while you were training, protecting, and defending this country, I was benefiting from your dedication. I spent those years learning, studying, and preparing to serve you in return. My mission now is to help you leverage the bank — not to be leveraged by it. I’m here to use my expertise to ensure you fully benefit from the opportunities you’ve earned through your service.

Who I Help

Active Duty: Army, Navy, Air Force, Marine Corps, Space Force, and Coast Guard. Active-duty are eligible for VA loans after 90 continuous days of service during wartime or 181 days during peacetime.
National Guard and Reservists: Guard and Reserve members generally become eligible for VA loan benefits after six years of service or 90 days of active service under federal orders.
Veterans: Veterans are typically eligible for VA home loans if they meet the service requirements.
Retired Military Personnel: Retired service members have full VA loan eligibility if they meet service requirements.
Surviving Spouses: Surviving spouses may be eligible for VA home loan benefits if they have not remarried or if they remarried after the age of 57.
Disabled Veterans: Disabled veterans may have additional VA benefits, including possible exemption from the VA funding fee and other support services.
Military Academy Cadets and Midshipmen: Those attending a U.S. service academy such as West Point or the Naval Academy do not typically qualify for VA home loans while still in training, but they may become eligible if they complete their service obligations.
Commissioned Officers of Public Health Service and NOAA: Officers serving in the U.S. Public Health Service (USPHS) and the National Oceanic and Atmospheric Administration (NOAA) may qualify for VA benefits due to their commissioned officer status.

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Why Choose VA Loan?

Military Family Selfie in front of new home

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With 8 easy questions - You could Qualify

You Have An Amazing Opportunity

VA loans offer a unique opportunity for U.S. veterans, active-duty service members, and select military spouses to achieve homeownership. Backed by the Department of Veterans Affairs, these loans are designed with veterans’ needs in mind, providing significant financial benefits not typically available through conventional loans.

Zero Down Payment: Begin your homeownership journey without the need for an upfront down payment.
No Private Mortgage Insurance (PMI): Save on monthly costs—no PMI required, unlike conventional financing.
Lower Interest Rates: Enjoy competitively low interest rates, reducing your monthly mortgage payments.
Limited Closing Costs: The VA limits certain closing costs, making home buying more affordable.
4% Additional Seller Concessions: Sellers can cover up to 4% of the purchase price in closing costs, with an additional 4% to be used in any manner that benefits the VA Buyer. This is up to 8% of the purchase price that could be utilized.
Flexible Credit Requirements: VA loans don't work off DTI as much as Residual Income Opening up purchase power for the VA Buyer
Assumable Loans: VA loans are assumable (ask me more about this
Refinancing Options: VA loans offer streamlined refinancing options, such as the VA IRRRL (Interest Rate Reduction Refinance Loan) , making it easy for veterans to lower their interest rate or change loan terms with minimal paperwork.
Support in Times of Financial Hardship: The VA provides assistance to veterans facing financial difficulties, including options like loan modifications, repayment plans, and forbearance to avoid foreclosure.

Aaron’s Commitment to Veterans

Aaron has always held a deep respect for those who serve. Inspired by some long-time friends & family members who served in the military, Aaron dedicated his career to ensuring veterans receive the support they deserve in securing home financing. His mission is to simplify the VA loan process and help veterans step into their dream homes with ease and confidence.

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8 Questions answered and you could be on your way

5 Stars but he deserves 10 Stars! He and his team provide outstanding customer service. If I had questions about the process he had answers. He is very knowledgeable and timely with your mortgage needs/questions. I recommend him to everyone for their mortgage needs. Thank you Aaron!! I love my new home!

T, Phoenix AZ