Serving those who served for us.
Providing comprehensive mortgage support to Veterans, active duty members, reservists, and their families through specialized VA loan services. At Benchmark we believe that it's our duty to be Veteran advocates for those who've earned the benefit of owning a home while serving our country.
That's right, as our commitment to you we are waiving fees!
Benchmark Never Quits
No more will the veteran be taken advantage of. We have changed the way va lending is done. We will always do right by the veteran and provide first-class service that ensures our veterans receive the American Dream of homeownership they deserve.
Questions that Veterans want to know about the VA process
What happens if something changes with my finances during the process?
Let your loan officer know right away. Even small changes — a new credit card, a job change, a large deposit — can impact your loan, but your team can help you understand your options and next steps before they become a problem.
What if the appraisal comes in lower than expected?
This doesn’t mean the deal is off. You may be able to renegotiate the price with the seller, adjust your loan amount, request a reconsideration of value, or explore other paths forward with your loan officer.
Can I buy a multi-unit property with a VA loan?
Yes — up to four units, as long as you occupy one of them as your primary residence. Rental income from the other units may help you qualify.
Is there a VA loan limit?
Not for borrowers with full entitlement — there is no VA-imposed cap. Lenders set their own limits based on your income, credit, and reserves. Borrowers with partial entitlement may need a down payment above a certain amount.
Can I use a VA loan more than once?
Yes. Entitlement can be restored once a prior VA loan is paid off, and in many cases you can carry two VA loans at once using remaining entitlement — common for military families who kept a home at a previous duty station.
Do VA loans really require nothing down?
Yes, for borrowers with full entitlement — 0% down and no monthly mortgage insurance. The funding fee applies unless waived for service-connected disability.
What happens to my mortgage when I PCS?
You can sell, or keep the home and rent it out — VA loans require intent to occupy at purchase, not forever. Many military families build wealth holding a home at each duty station. Ask about our PCS Toolkit for planning your next move.
Is this my official BAH rate?
No — this uses representative rates by cost tier for planning. Your official rate comes from the DoD BAH tables for your duty station ZIP code, effective each January 1.
Can I use BAH to qualify for a mortgage?
Yes — BAH counts as effective income for VA loan qualification, and because it’s non-taxable, lenders can gross it up when calculating ratios. It’s one of the most powerful and most overlooked homebuying tools service members have.
Ready to take the first step?
Buying your first home comes with a lot of decisions — but you don't have to navigate them on your own. We're here to answer questions, walk you through your options, and help you move forward in a way that makes sense for you.