VA Bonus Entitlement Helps Veteran

Arizona Veterans that no longer have enough”Basic Entitlement” to finance a home using a VA loan have options. Using something called “Bonus Entitlement” may help them finance a home using a VA mortgage despite having used up their Basic Entitlement. For example, Bonus Entitlement is used when a Veteran has:

A VA loan in their name already
Completed a short sale on a VA loan
Foreclosed on a VA loan

Apply for a VA Home Loan Now
Team@JeremyHouse.com
602.435.2149

Max VA Loan Using Bonus Entitlement

What loan amount can a VA borrower qualify for when using their bonus entitlement? Great Question!

Arizona VA Mortgage lenders require the VA insures 25% of a VA loan. In other words, the VA must guaranty a dollar amount equal to 25% of the veteran’s new home loan amount. VA determines their guaranty based on a County’s maximum Conforming Loan limit.

Clear as mud? Think of it like this – a veteran that used all of their $36,000 Basic Entitlement would still be able to qualify for new VA loan thanks to VA allowing “Bonus Entitlement” to be used. Without the VA allowing Bonus Entitlement veterans who used all of their Basic Entitlement would be stuck.

Minimum VA Loan Using Bonus Entitlement

There is no complex formula here. Veteran’s must borrow at least $144,001 on a VA loan when using bonus entitlement. It is that simple!

Apply for a VA Home Loan Now
Team@JeremyHouse.com
602.435.2149

By Jeremy House
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HOUSE Team
2212 E. Williamsfield Rd. Ste. 220
Gilbert, AZ 85295

602.435.2149

PrimeLending NMLS 13649

2024 Home Loan Limits

HOUSE Team Home Loans | Jeremy House

5.0

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Jeremy House And The House Team

4.8

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Sent an email to Jeremy in regards to making sure we are on the right track to buy a new home soon and he answered them within minutes. Very easy to get in...read more

Christopher S.

13:07 11 Dec 24

They are supper fast and willing to work over time on our tight schedule. They are very respectful, No junk mail were received after closing. I am supper...read more

Evie D.

11:54 21 Jul 23

Jeremy and his team helped my boyfriend and I get a loan for our first home. The entire team was very organized, accessible, and responsive. They really...read more

Cara P.

16:13 07 Oct 22

This is our second time refinancing a property with the HOUSE Team and they've been awesome the entire time, both times. Pete has assisted us both times...read more

David W.

13:11 25 Apr 22

Pete and the House Team were great to work with from start to finish. I originally contacted them for information around renovation loan financing and Pete...read more

Christopher H.

12:15 08 Apr 22

I found The House Team from a google search and liked the positive reviews. My purpose in calling was to potentially move a refinance with a current lender...read more

Tracy T.

15:31 02 Dec 21

We just closed on our 3rd home with Pete and the rest of the Prime Lending Team. They are by far the best at what they do and make the process so smooth!...read more

Kelsey F.

06:45 24 Aug 21

Bought my first house with them and they also helped me to refinance. The whole process was very smooth, easy and fast. Great communication with Jeremy,...read more

Elba C.

10:51 05 May 21

Working with The House Team is by far the best experience I've had with a lender. Start to finish, we were funded very quickly. They have a user friendly...read more

Heather H.

15:08 30 Apr 21

Pete Marthaler and his team did a cashout refi over a year ago for us. The process was smooth and seamless. His team communicated every step of the way. We...read more

James F.

13:51 18 Mar 21

I was referred to this lender by my realtor and I am forever grateful! Peter and his team were very professional in preparing my loan information. Peter’s work with my home loan was very detailed and straightforward. He always had a friendly and pleasant demeanor as he explained every item and responded to any question I had. I felt very comfortable throughout the entire home buying process and I am happy that they were recommended!read more

FM K

21:54 07 Mar 21

Jeremy, Pete and their team were great to deal with. Professional, dedicated and efficient across the board.Communication was excellent. They went above board to ensure our refinance application was processed fast and efficiently. We’ve dealt with other lenders and this was one of the best. We highly recommend them.read more

Ellen Shearer

03:12 27 Feb 21

Today is the first day in our first Home and we would like to take the time to Thank Peter and all the people we never saw on his team , for the Great, easy and Professional way they worked with us in buying this home. My wife and I have never bought a “ house “ before and it was kind of scary and we had no idea how the process worked. Pete and his crew changed all that for us. From the first time we met I was very comfortable with how to proceed with the process. Pete kind of did everything step by step and never overwhelmed us with details answering every question we had and made sure we did understand what was happening.We would highly recommend Prime Lending to anyone who may ask about buying a home. The best people to do business with .Thank You All,Mr. and Mrs. Michael and Robin BeemanArizona. U.S.A.read more

Michael Beeman

22:03 20 Feb 21

This is my third time working with the HOUSE Team. Jeremy and Christine went above and beyond to help me with my refinance. They also helped me when I purchased the house! They responded to all my email so fast that I was in awe, even in the evenings. They got me funded extremely quickly and with so much professionalism and care, that I don't think I could go anywhere else. YOU shouldn't either! Give them a shout, I'm sure you will be happy you did.read more

Erin Gibbs

22:39 17 Feb 21

Thank you Jeremy and all the House Team for getting our refinancing done so quickly and for making it so easy on our end. You guys are the BEST!!read more

Jennifer M.

20:01 07 Dec 20

I am comfortable giving 5 stars to this company. Not only did they do a great job in getting my new home funded, they did it 3 more times as I continued to...read more

Steve M.

05:22 23 Jun 20

Look no further if you are looking to refinance or purchase. We are first time homebuyer and Pete made the entire process a breeze. I can't believe we are...read more

Aunty Ankasa O.

14:53 10 Jun 20

This is my third time working with Jeremy and his team. I like working with them because they are very thorough with their work and stay on top of everything. It feels good not having to worry about the little things and knowing that they have it all taken care of. They constantly keep me updated throughout the process and explain what is needed each step of the way. They are are also very dependable and responsive.read more

Mark Hlad

02:23 01 Mar 20

Starting off with: We are 1st time homeowners. Pete and the team had our trust from the first phone call. All questions were answered. Communication was...read more

Gloria P.

12:20 23 Feb 20

Pete, Christine and Maria from PrimeLending have been awesome throughout the whole process. I started reaching out to PrimeLending and my Realtor sometime...read more

Ken B.

20:06 14 Dec 19

Hadn't bought a house in over 10 years. A friend recommended Peter Marthaler with Jeremy House and The House Team. We had a great experience. Peter made...read more

N R.

21:35 14 Nov 19

Pete was the best support you could hope for in the loan process. Talked us through the preapproval process. When it came down to finalizing the loan it was...read more

Kathy W.

14:36 22 Oct 19

There's a reason they have many 5 stars, they know what they're doing! Jeremy was wonderful and kept me informed about the progress on my loan. Who does...read more

Andy M.

04:38 27 Aug 19

Thank you to the House Team for helping me last minute get the mortgage I wanted. I had worked with two other lenders that got me preapproved but not for...read more

Shan B.

14:45 03 Aug 19

Peter and his team are amazing! We started the home buying process a year ago and together came up with a plan to purchase a house. One year later, we...read more

Cindy L.

20:50 23 Jul 19

Great service. The whole staff goes that extra mile for you.They made it very easy for us as we live in a different state. If your looking for a team to get...read more

Paul G.

17:07 23 Jul 19

Buying a house is stressful, but having a dedicated team behind you makes the journey easy. Pete with The House Team was AMAZING! We are first time home...read more

Sarah M.

19:44 08 Jul 19

Great experience from day one. I first started the mortgage process while out of state and transitioning out of the military. Pete at the HOUSE Team was...read more

Keith L.

09:19 05 Jul 19

Well, it's moving time which is not always a fun experience. However, it was a real delight working with Jeremy and his team. We reached out to Jeremy five...read more

Florine A.

07:11 02 Jul 19

As a real estate agent in the top 1% of production for the state of Arizona, I have a long list of mortgage lenders to choose from. Jeremy and the House...read more

Ben Q.

11:57 23 Jun 19

I AM SO IMPRESSED! Moving is stressful enough...right! The house team made my loan process SO MUCH EASIER! I highly recommend this team! They "held my hand"...read more

Donna J.

13:26 08 May 19

I AM SO IMPRESSED! Moving is stressful enough...right! The house team made my loan process SO MUCH EASIER! I highly recommend this team! They "held my...read more

Donna J.

12:47 08 May 19

What an experience. No hassles. No delays. Constant updates. The House Team was what we needed. We did not look forward to the home lending process. We got...read more

Judy F.

16:23 02 May 19

If you're looking for a mortgage team that gets things done regardless of your circumstances that is the house team. They got me approved for my first home...read more

Cody C.

08:15 13 Apr 19

Let me start by saying, I'm a high maintenance client. I am not a big fan of emails, and I prefer telephone and face to face communications. Jeremy and his team are incredibly responsive and informative, and I was glad to not have any significant surprises along the way of getting pre-qualified and then having my loan funded. Plus, they communicate and work really well with my real estate company, and have great relationships with the title companies. All of this results in high efficiency, top notch service, and no surprises.read more

GUY CARPENTER

15:46 10 Apr 19

I want to thank Peter and Jeremy for all their help with the home loan process. Everything we agreed upon was delivered. They were very prompt in answering any questions that my wife and I had. I would definitely work with them again. I would recommend them to anyone if you're looking for an honest company to work with. Thank you once again.read more

Jorge Ramirez

17:34 20 Mar 19

Moving is never an "easy" task- especially when you're moving your family across the country! We were fortunate enough to find Jeremy House and his amazing team, who were so helpful throughout the home buying process! They certainly have the knowledge, expertise, and creativity to help meet your mortgage goal. I really appreciated how nice and professional they were with my every call and email to help us understand everything. The paperwork process is very convenient too with the technology they use. Thanks to Jeremy and his team, we were able to achieve buying our dream home at what was affordable to us. Don't hesitate to contact them! They're an amazing team!read more

Melanie Lisowski

23:15 11 Mar 19

I've worked with Jeremy and the House Team on more than one occasion and the experience is second to none. The team is thorough, supportive and attentive and the rates are very competitive. I've recommended any and all family members and friends to Jeremy as I know that they will have an exceptional experience.UPDATE 2019: I have now used Jeremy and the House Team 4 times and every single time everything goes exactly as promised. Closing is always on time, the rates are always competitive and funding always occurs faster than expected (because of how thorough the team is). Jeremy always takes time up front to talk through our needs and the best options available for meeting them. I have only great experiences working with this team and continue to recommend them whenever possible.read more

Nathan Dee

18:13 12 Feb 19

Jeremy was absolutely amazing. I did not end up using his company only for the fact that a family friend of ours was a broker as well (which I was not aware...read more

Sean J.

02:04 21 Jan 19

Working with Pete at the HOUSE Team was phenomenal to say the least! We are self employed real estate investors and just moved to Arizona from South Dakota a couple years ago. When we first moved we had to put a substantial amount down and got a high adjustable rate mortgage with intentions of refinancing after we got more established in AZ. We had been searching for someone to refinance our home for over a year and were getting discouraged and almost ready to refinance with another adjustable rate, before we called the HOUSE Team and talked with Pete. On my initial phone call Pete answered and spent some time discussing what we were looking to accomplish as well as whether he thought he could help. He actually spent the time to dissect our tax returns and understand our file inside and out so he could talk knowledgeably to the underwriters about how our business works. Not only did he get us a 30 year fixed that was .25% less than anyone else was offering we were able to do a cash-out refinance. Tremendous props to Pete and his team to actually understand an individuals complicated file and go to bat for you in getting something done. Incredible going from some lenders looking at our file and saying we lose $53 a month or that only an ARM was available. I wont mention names, but there are a-lot of lenders that just push people through quickly and take the easy ones rather than doing whats best for their client like Pete did. I cant thank him enough or give him a review that will do justice for the amount of respect i have for him and his professionalism or his sheer knowledge of lending. Being in the real estate industry i really appreciate when you find a good lender like him. For anyone out there looking to refinance or purchase a home i highly recommend giving the HOUSE team a call. And for real estate agents wanting a lender that actually knows what he's doing and wont waste your time i wouldn't go anywhere else! Thanks again Pete!read more

Nick and Laura Wilkison

16:59 17 Jan 19

Best experience with a purchase AND a refi. The House Team has assisted me with both. There is no one better, and I consider them ALL family. Thank you House Team for being above and beyond just a loan business. You have made it a great experience and gained a lifetime customer!read more

Timothy Hewlett

03:50 12 Jan 19

This is the 3rd time I have used The House Team. I never believed they could get any better, but they have surprised me yet again. They communicated with...read more

Tim H.

19:30 11 Jan 19

I have worked with Jeremy's team a number of times, particularly with Peter. It simply doesn't get any better.The team is extremely knowledgable about...read more

Jim S.

10:31 10 Jan 19

Working with the HOUSE team was the best decision we've made in a long time! We thought we could never own a home again but Peter was awesome and walked us through every step with patience and no judgement. He made us feel like we were his only client.. I don't think we could have owned a home any other way... Thank you Jeremy and to all the HOUSE team for making this dream a reality...read more

Queenz Trinidad

04:45 10 Jan 19

Review for Jeremy House at Prime Lending: This review has been a long time coming and I am now getting to it because of two things Jeremy has done to...read more

Ken B.

16:31 06 Jan 19

Peter was awesome. He quickly responded to emails and phone calls. He made sure that everything ran smoothly and effortlessly. He went above and beyond to ensure that we were familiar with the process. He has an excellent team that kept us informed of what to anticipate next. I highly recommend this agency to anyone in the market to buy a house. My husband and I are beyond pleased.read more

LynneMarie Lambert

19:26 03 Jan 19

My wife Barbie and I cant began to tell you how pleased and grateful we are that Peter Marthaler with The HOUSE Team oversaw the purchase of our first home!...read more

Favio V.

20:00 01 Jan 19

Another great experience with Prime Lending. We first used them on a VA refinance in 2010 after a horrible experience with Chase. When after the death of my husband who was a totally disabled Vet of the US Coast Guard, I again contacted Prime Lending and Peter and his team did a great job in getting approval for my eligibility for a VA refinance as the widow of a totally disabled veteran. The process couldn't have been easier or less painful. Thanks so much.read more

Linda Storm-Williams

17:40 14 Dec 18

I was directed to the House Team on a glowing endorsement from a previous client. An outstanding set of individuals that helped us close on our new home. Jeremy, Danielle and Ashleigh worked tiredly to get our funding in place in a time period that was hurried due to a speedy closing date. What a group of professionals, they worked hard to the very end and had all the pieces in place the day of the closing. I cannot say enough about the great service afforded to us by the House Team. Thank you for helping us achieve or dream of purchasing our new home in our new State of Arizona. I will make sure that I direct people to the House Team for their mortgage funding requirements.read more

Pete Madhuizen

19:09 04 Dec 18

Much love to Jeremy and his team. He has a big heart, is very patient, and knowledgeable of the ins and outs of the industry. I enjoyed our conversations and even though he’s a Suns fan, he’s all right with me. He won’t steer you wrong. Thumbs up!read more

Nathan Boveda

03:38 02 Dec 18

I just closed on my new home today! Jeremy and his Team worked their tails off! Danielle and Ashleigh, Thank you! I had a unique loan situation as a business owner. I had been through multiple applications with over half a dozen lenders. Jeremy was able to get me approved with #1 less required steps, #2 A better interest rate #3 less money down. He was there through the entire process! I will use him for all future Purchases. He 100% has my trust! Thank you House Team! Extremely excited for our new home and can't thank you guys enough! :)read more

Gavin William

01:28 01 Dec 18

What a great team of professionals, worked with Danielle mostly. She made this transaction so easy for us, with handling everything. As a business owner myself , I truly appreciate the communications skill set of this company.read more

Steve Davis

20:47 26 Nov 18

I've worked with the House Team several times over the last couple of years. I have nothing but great things to say about the team. Pete in particular has...read more

Ron D.

11:16 29 Oct 18

The loan loan team around! Peter & Jeremy rock! Their entire team works very quickly to get you into your new home! Super professional and very friendly!...read more

Lindsey T.

16:46 23 Oct 18

Wow! We can't thank Jeremy and his team enough for guiding us through the process of buying our home. He was always willing to help answer all of my first...read more

Jefferson P.

20:06 09 Jul 18

As first-time home buyers, we were both nervous and naive about the home-buying process. We wanted a broker who was both knowledgeable and caring. We...read more

Mark D.

08:52 24 Apr 18

The HOUSE Team

The House Team serves the Phoenix, Tempe, Mesa, Gilbert, Chandler, Scottsdale Arizona market by offering FHA, VA, Conventional, USDA and Jumbo mortgage home loan financing. The HOUSE Team offers low mortgage interest rates and very competitive fees.

VA Bonus Entitlement Helps Veteran

Max VA Loan Using Bonus Entitlement

Minimum VA Loan Using Bonus Entitlement

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