Check your rates with our VA Loan Calculator.

The money you pay for a house.

The cash you pay to the seller at closing toward the purchase price of a house.

Your down payment as a percent of the purchase price.

Your estimated credit score

If you’re planning to buy a house and you’re eligible for the VA Loan, you have the opportunity to take advantage of one of the best mortgage deals on the market.

What makes the VA Loan the best mortgage deal available anywhere? The VA guaranty. The U.S. Department of Veteran Affairs offers a VA guaranty, which protects lenders like us. That gives us good reason to offer you favorable terms on your home loan.

You protected and served our country. The least we can do is help you buy your home. Check your VA Home Loan rates above to see how we can help you get started, If you'd like to chat first, call our VA Loan team today at 855-610-1112.

Start your VA Loan Pre-Approval!

Take advantage of the benefits.


    • Buy a house with no down payment.
    • No down payment is huge when comparing the VA Loan to other mortgages. At the home closing, many veterans pay little to nothing out of pocket.
    • Pay less.
    • VA Loans come with lower interest rates compared to other home loans. They don’t have private mortgage insurance (PMI) either. You save money or can even afford to buy a more expensive place.
    • Get approved without a hassle.
    • You don’t need first-rate credit. We accept credit scores as low as 500. In addition, a bankruptcy or foreclosure won’t automatically disqualify you.

Three easy steps to getting your VA Loan.



Step 1: Prepare

  • Review your Certificate of Eligibility (COE) and check your VA Loan eligibility. If your COE states “this veteran’s basic entitlement is $36,000,” you can buy a home for up to $484,350 with no down payment.

  • Start with real numbers so you don’t end up with unpleasant surprises. Use our live VA Loan calculator at the top of the page to check rates to give us a call at 855-610-1112.

  • Get pre-approved online and receive your Approved Buyer Cert. By having this before you shop for a home, you’ll improve your negotiating power.

Step 2: Get approved

  • If we pre-approved you, one of our VA Loan experts reviews your application and completes the unfinished parts.

  • Click-to-sign and pass along some supporting documents by logging into your Loan Dashboard where you can check your loan status, closing plan, and important documents.

  • Lock the rate of your VA Loan as soon as you meet the lender’s criteria. We agree to give you a set interest rate with certain fees for a specific time period.


Step 3: Close

  • We provide you with the Closing Disclosures listing who pays what fee, which includes an appraisal fee, title fees, taxes and government fees, and a funding fee.

  • You’ll do a final walk-through of the property and confirm the seller will turn over the property to you as agreed.

  • After the property legally transfers from the former owner to you and you sign all your final loan documents, you get the keys to your new home!

Get “The Complete Guide to VA Loans” for free!

 Learn how to take advantage of all the VA Loan benefits as we walk you through the home buying process in our free step-by-step guide.


VA ebook cover


About NewCastle Home Loans.

Headquartered in Bucktown Chicago, NewCastle Home Loans has a dedicated team specializing in VA Loans. From the beginning to the end of your home purchase, you'll be supported by a team who specifically works with veterans. Our mortgage team offers a variety of loan options in Illinois, Michigan, Florida, and Tennessee. 

learn more >>     Apply Now!


Take a look at what people are saying. 


Google Reviews


"The greatest team ever. Lee and Jessica got our loan closed in 2 weeks! They made the entire process easy and straightforward. Thanks so much!" - Benjamin W.
Facebook Reviews


"An absolute pleasure to work with. I have purchased two homes now with NewCastle and refinanced another time. Everyone at NewCastle is willing to go the extra mile for you." - Abraham K.
Yelp Reviews


"We heard from our friends how long and stressful the process is but NewCastle loan they made everything smooth and were there for every step, Jessica was the best, responded to my email within in a minute, and answered every question I had." - Britney M.

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