VA Loans

VA loans allow for up to 100% financing of the purchase price of your home.

No Down Payment Requirement

Fixed Interest Rate Loans

Low Closing Costs

Brad Cullipher and the HomeVantage Team would like to thank you and your family for your sacrifice and your service! We're honored to have the opportunity to work with veterans around the country.

Understanding VA Loans

One of the most popular and enduring programs of the GI Bill is the VA Home Loan program.  This one-of-a-kind mortgage program helps veterans, active duty military members, and their families purchase or refinance their homes without needing a downpayment or excellent credit history.

Today, there are more than 22 million veterans and active duty personnel who may qualify for a VA Loan to purchase a home. If you’re a qualified US Veteran ready to explore the VA home loan process, you’ve come to the right place.


In order to obtain a VA home loan, you must first get a VA Home Loan Certificate of Eligibility (COE).  Veterans, active duty personnel, guard and reserve members and military spouses may qualify for this certificate.

The largest class of eligible borrowers is veterans. Veteran are required to have an honorable discharge and must have served at least 181 days during peacetime or 90 days of service during wartime to be eligible for a VA home loan. Your HomeVantage Mortgage Banker can help you electronically obtain your VA Home Loan Certificate of Eligibility.

The Application and Pre-Qualification Process

If you're ready to start the home buying process, it's important to work with your HomeVantage Mortgage Banker to get pre-qualified for your VA home loan.  During the prequalification process your lender will review your application and any documentation that you've provided, and will help you determine what you can afford afford to spend on your new home.

At HomeVantage our goal is to make the pre-qualification process as easy and streamlined as possible.  We've got a great online/mobile loan application that makes getting started easy.  We're also more than happy to walk you through the process over the phone.

Get Qualifies for an FHA Loan in Minutes

Fill out our simple contact us form and a loan officer will be in touch. Or feel free to fill out our long form and a loan officer will evaluate and give you a call.

Speak with a Loan Officer

A licensed loan officer will take your application over the phone and accurately determine qualification in minutes.

Working with the Brad Cullipher Mortgage Group

Founded in 2003 by Brad Cullipher, the American Capital Mortgage Group has been helping clients around the US purchase, refinance and build their dream homes for over a decade. Brad and his team understand that that each client has their own unique goals and works to create a mortgage process that is easy, streamlined, and accessible. Above all, he wants to take the stress out of the mortgage process.

In 2017 the American Capital Mortgage Group joined HomeVantage Mortgage, a new division of Austin Capital Bank. Brad assumed the role of CEO at HomeVantage Mortgage and oversees the day in operations and growth of the organization.

  • Accurate prequalification with underwriter review
  • Same day disclosure upon receipt of contract
  • 24 hour underwriting queue
  • Files underwritten to guideline