top of page

VA

A VA loan is a government-backed mortgage option available to Veterans, service members and surviving spouses. VA home loans offer competitive interest rates and terms and can be used to purchase a single-family home, condominium, multi-unit property, manufactured house or new construction.

Veteran Family

VA LOANS

Serve those who have bravely served in the Armed Forces.

  • Loans up to $4M

  • 620+ FICO Up to 100% LTV

  • Fixed term only

  • Single family primary residence

  • Purchase & cash-out refinance

  • Available on single- and multi-wide, condos and PUDs

  • Escrow waivers up to 100% LTV

  • Lender and seller paid Temporary Rate Buydowns available

VA ELITE

For VA borrowers with higher FICO scores, offer industry-leading government rates and pricing.

  • Loan amounts from $125,000 up to county loan limits

  • Jumbo loan option starting from $1 over the county loan limit up to $4M

  • 640+ FICO Up to 100% LTV

  • Fixed term only

  • Single family primary residence

  • Purchase & cash-out refinance

  • Available on single- and multi-wide, condos and PUDs

  • Escrow waivers up to 100% LTV

  • Lender and seller paid Temporary Rate Buydowns available

VA IRRRL

For VA borrowers to take advantage of their VA benefits by streamlining their current VA loan into a lower interest rate.

  • Unlimited LTV

  • Loans up to $4M

  • No appraisal required

  • Available on single- and multi-wide, condos and PUDs

  • Primary, second and investment properties eligible

Kim.ORourke@cultivatehomemortgage.com

Kim ORourke NMLS # 2135343

(940)235-7017

Craig.ORourke@cultivatehomemortgage.com

Craig ORourke NMLS # 2356512

(940)600-1605

Cultivate Home Mortgage

Cultivate Home Mortgage NMLS# 2408906

1908 Hollister Ln, Denton, TX 76210

(940)600-1929

NMLS Consumer Access

​

Privacy Policy

Terms Of Use Agreement

©2022 by Cultivate Home Mortgage

Equal Housing Opportunity Logo White.png

For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. 

​

TEXAS MORTGAGE COMPANY DISCLOSURE

NMLS ENTITY LICENSE NUMBER 2408906. CULTIVATE HOME MORTGAGE LLC IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING Figure: 7 TAC 80.200(b) “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

bottom of page