Three ways we help EOD families get to a closing table: guidance on the loan itself, grants when the gap is cash, and a readiness plan when the honest answer is “not this year.”
Photo – Hands signing at a closing table, ring visible, soft window light; wide crop for text overlay on the left
Start here
A VA loan is the best product most EOD families will ever be offered, and it is also the one most often mishandled – by agents who have never seen entitlement restoration, by lenders who treat a deployment like a job gap, by sellers who have been told a VA offer is weak.
Our advisors are not loan officers. They read your loan estimate against the other two you should have gotten, check the entitlement math, and write the contingencies your orders actually require. Then they get out of the way.
We are not a lender or a broker. We do not originate loans, we are not paid by the lenders you choose, and we will tell you when the best move is to wait. [Confirm exact regulatory language with counsel before launch.]
Guidance is open to the whole community. Grants have a narrower gate.
01Free · Always open
One-on-one sessions with an advisor: entitlement and COE, funding-fee exemptions, comparing three real loan estimates side by side, and the contingency language your orders require.
Typical first session
[XX] minutes
02Applications open [MONTH]
Donor-funded assistance toward closing costs, the VA funding fee where it applies, or a down payment on a conventional loan. Reviewed by a volunteer board of EOD spouses and retirees.
Award range
$[X,XXX]–$[XX,XXX]
03Free · Rolling
For families who are close but not there: a written plan covering credit, reserves, debt-to-income and timing against your next window of stability. Check-ins every [XX] days.
Typical horizon
[X]–[XX] months
General comparison only. Your numbers depend on the lender, the property and your entitlement.
| Feature | VA purchase loan | Conventional | FHA |
|---|---|---|---|
| Minimum down payment | $0 with full entitlement | [X]% typical | [X.X]% |
| Monthly mortgage insurance | None | Until [XX]% equity | Usually life of loan |
| Upfront fee | Funding fee [X.X]% – waived with a qualifying disability rating | None | [X.XX]% financed |
| Occupancy after PCS | Spouse occupancy can satisfy the requirement | Lender dependent | Owner-occupied only |
| Reusable after you sell | Yes, with entitlement restoration | n/a | n/a |
| Our grant can be applied to | Closing costs, prepaids, funding fee | Closing costs, down payment | Closing costs |
Average time from first call to keys: [XX] weeks
Step 01
Where you are, where your orders are taking you, and what you actually have in the bank. No credit pull.
Step 02
Price range, loan path, grant eligibility, and the three things to fix first – in a document you keep.
Step 03
To a vetted agent near your duty station and to lenders worth getting an estimate from. You choose.
Step 04
We read every estimate and disclosure with you, and we stay reachable the week everything goes sideways.
Quick estimate
A ballpark, not a pre-approval – and nothing here touches your credit or lands in a lender's CRM.
If yours isn't here, an advisor will answer it straight – including when the answer is that we can't help.
It makes a listing agent nervous, which is a different problem and a solvable one. Our network agents write VA offers in a way that addresses the appraisal and repair concerns up front, in the offer itself.
Sometimes yes. Sometimes a properly executed power of attorney and the right contingencies make it fine. That is exactly the conversation to have before you fall in love with a house.
Yes. Grants most often go toward closing costs, prepaids or the funding fee. [Confirm final program rules and stacking limits with the board before launch.]
Nothing. We are funded by donors, corporate partners and a share of the referral fees our partner agents earn – disclosed to you in writing before any introduction is made.
[Confirm eligibility policy before launch.] Service requirements for VA entitlement differ for reserve component members, and our advisors will walk your specific record with you.
Orders you don't have yet, a credit report you haven't looked at, a spouse who isn't sure. Still worth the call.