Why Choose a VA Loan?
No Down Payment Required
100% financing for eligible Veterans — no mortgage insurance needed.
Flexible Credit and Underwriting
No income limits, no first-time buyer requirement, and manual underwriting options available.
Streamlined Refinance Options
Lower your rate with little paperwork through the IRRRL program, or tap into equity with a VA Cash-Out.
All products
We have the loans to achieve your goals.
VA
• 100% financing for eligible Veterans
• No monthly mortgage insurance
• No income or asset limits
• Manual underwriting available
VA IRRRL
• Streamlined refi for current VA loans
• No appraisal or income docs required
• Must result in tangible benefit
VA Cash-Out
• Cash-out available from VA or non-VA loans
• 100% Loan-to-value on VA-to-VA refi
• Funds usable for home improvement or debt
City Lending Inc. is not affiliated with or acting on behalf of or act the direction of the VA or the Federal Government