WE ARE AN EQUAL HOUSING LENDER, offering a range of services including downpayment assistance, manufactured home financing, and veterans home loans.

  • WKirk Mortgage Group
  • Purchase
  • Refinance
  • HELOC
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    • WKirk Mortgage Group
    • Purchase
    • Refinance
    • HELOC
    • Loan Programs
      • FHA
      • VA
      • FHA 203K
      • USDA
    • Resources
    • FAQ
    • Blog
    • Contact
    • About

  • WKirk Mortgage Group
  • Purchase
  • Refinance
  • HELOC
  • Loan Programs
    • FHA
    • VA
    • FHA 203K
    • USDA
  • Resources
  • FAQ
  • Blog
  • Contact
  • About

Own Your First Home with VA Benefits

Zero Down. No PMI. A Powerful Path to Homeownership for Veterans and Service Members

What’s a VA Loan?


A VA loan is a mortgage program backed by the Department of Veterans Affairs, designed exclusively for veterans, active-duty service members, and eligible military spouses. With no required down payment and competitive rates, it helps you buy a home without the financial barriers that many first-time buyers face.


Why VA Loans Work for First-Time Buyers


  • No down payment required – keep your savings intact
     
  • No PMI – lower monthly costs compared to conventional loans
     
  • Flexible credit guidelines – more accessible than many traditional programs
     
  • Competitive interest rates – save money over the life of your loan
     

You’re Supported Every Step


Navigating your first home purchase can feel overwhelming—but you don’t have to do it alone. Our team explains each step, answers your questions, and makes the process clear and stress-free.


Take advantage of your VA benefits today.
See what you qualify for in just minutes.

Do I Qualify

 If you’re a military veteran or still in active service, you may qualify for a U.S. Department of Veterans Affairs (VA) loan. These often require no down payment and have lower closing costs, which can help keep your savings secure. 

APPLY/PREQUALIFY ONLINE now
Apply/PREQUALIFY ONLINE nowBOOK A CONSULTATION
  • WKirk Mortgage Group
  • Purchase
  • Refinance
  • HELOC
  • FHA
  • VA
  • FHA 203K
  • USDA
  • Resources
  • FAQ
  • Privacy
  • Blog
  • Contact
  • About

WKirk Mortgage Group - Alabama and Ohio Licensed

Werdell Kirk, NMLS #1154446

WE ARE AN EQUAL HOUSING LENDER

Copyright © 2025 WKirk Mortgage Group - All Rights Reserved.


NEXA Mortgage, LLC

5559 S Sossaman Road

Bldg 1, Ste 101 

Mesa, AZ 85212 

Corporate NMLS #1660690


All product names, logos, and brands are property of their respective owners. 


This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.



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