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Luminate Home Loans (NMLS #150953) 
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Luminate Home Loans (NMLS #150953) 
Equal Housing Lender
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  • Home
  • Veteran Resources
  • Services
    • VA Home Loan
    • Divorce Mortgage Planning
  • About
  • Contact

Veterans Resources

VA Home Loan Resources

Here is a collection of veterans resources and direct links to get answers to all of your VA Home Loan questions.

VA Home Loan Guaranty

Do you have questions about your VA Home Loan Benefit and you are not sure where to find answers to those questions? Go straight to the source for VA guidelines : https://benefits.va.gov/homeloans/

VA Home Loan Eligibility

Are you unsure if you are eligible for the VA Home Loan Benefit? Find veterans resources for the requirements for this benefit at: https://www.va.gov/housing-assistance/home-loans/eligibility/

VA Lender Handbook

Want to know as much about VA Guidelines as we do? No problem, the VA Lender Handbook is available to everyone at: https://www.benefits.va.gov/warms/pam26_7.asp

VA Appraisal Costs & Turn-times

Questions about the cost of a VA Home Appraisal or turn-times for a VA Appraisal to be completed? One of the advantages of getting a VA Mortgage is that VA Home Loan Guaranty publishes this information at: https://www.benefits.va.gov/HOMELOANS/appraiser_fee_schedule.asp

VA Approved Condo's

While you are able to get a VA Home Loan on a Condo, the HOA must first be approved by VA, ensuring the Veteran is protected and not limited to what they use this property for in the future. You can find VA Condos Search Engine at: https://lgy.va.gov/lgyhub/condo-report

VA Approved Condo's

While you are able to get a VA Home Loan on a Condo, the HOA must first be approved by VA, ensuring the Veteran is protected and not limited to what they use this property for in the future. You can find VA Approved Condo Search Engine at: https://lgy.va.gov/lgyhub/condo-report

VA Guaranty Calculator

Do you have some of your VA Entitlement tied up in one property and you want to buy another property without selling the first? No problem, you can calculate your remaining Bonus Entitlement available for your new property at: https://lgy.va.gov/lgyhub/guaranty-calculator

VA Funding Fee Chart

The VA Funding Fee is required by law on all VA Home Loans. While some veterans are exempt from this funding fee, many are not. You can find the current VA Funding Fee chart at: https://www.benefits.va.gov/stpaul/images/FundingFeeCard.pdf

VA Portal

The central location for all your VA Benefits can be found at: https://www.va.gov/. Here you can find everything from your VA Disability Ratings, VA Certificate of Eligibility, your DD-214, VA Education Benefits, and VA Health Benefit information. 

VA Disability Compensation Calculator

Have you received your VA Disability Rating and want to know what your monthly compensation will be. You can find this information at: https://www.va.gov/disability/about-disability-ratings/

National Guard Pay

It can sometimes be difficult knowing how much of your National Guard Pay is eligible income to qualify for a VA Home Mortgage Loan, especially if you have just returned to your civilian employment after a school or activation / deployment. We have had great success using the income as reported via this Army National Guard website: https://nationalguard.com/pay/calculator

Sean M. Selters, NMLS #1067401 is NOT associated with the Department of Veteran Affairs. This page is intended to be a resource for our Active Military, Veterans, Real Estate Agents and Mortgage Lenders.

Other Resources

VAREP-Denver is the LOCAL chapter of the National organization and a great resource for the Denver.
The Veterans Association of Real Estate Professionals (VAREP) is the resource for Real Estate Agents
USA Homeownership Foundation is a FREE HUD Approved Counseling resource.
Veterans Crisis Line logo. Please dial 988, then press 1 if you or your Veteran is in need of help.
  • Veteran Resources
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Sean M Selters | NMLS 1067401

1001 W 120th Ave, Suite 205, Westminster, CO 80234, United States

(303) 900-3261

© 2025 Luminate Bank. Member FDIC. Equal Housing Lender, NMLS Consumer Access

NMLS# 1281698

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