Proudly serving Ohio & Tennessee
What is a VA Loan?
VA loans are mortgage loans backed by the U.S. Department of Veterans Affairs, designed to help veterans, active-duty service members, and eligible surviving spouses become homeowners.
These loans offer incredible benefits including no down payment, no private mortgage insurance, and competitive interest rates — making homeownership more accessible for those who have served our country.
VA Loan Highlights
VA Loan Benefits
Zero Down Payment
Purchase your home with no down payment required
No PMI
No private mortgage insurance saves you hundreds monthly
Competitive Rates
VA loans often have lower rates than conventional
Flexible Credit
More lenient credit requirements than other loans
No Prepayment Penalty
Pay off your loan early with no extra fees
Lifetime Benefit
Use your VA benefit multiple times throughout life
Who is Eligible?
Veterans
90 consecutive days of active service during wartime, or 181 days during peacetime, or 6 years in the National Guard or Reserves
Active Duty Military
Currently serving on active duty with at least 90 continuous days of service, or 181 days if between wartime periods
Surviving Spouses
Un-remarried surviving spouse of a veteran who died in service or from a service-connected disability
The VA Loan Process
Obtain Certificate of Eligibility
Get your COE from the VA to prove your eligibility
Get Pre-Approved with Karinzo
I'll review your finances and determine your buying power
Find Your Home
Work with a realtor to find the perfect property
VA Appraisal
The VA ensures the home meets minimum property requirements
Close and Move In
Sign your documents and receive the keys to your new home
VA Loans in Ohio & Tennessee
Ohio Markets
Serving veterans and military families in:
Hudson, New Albany, Dublin, Upper Arlington, Strongsville, Mason
Tennessee Markets
Serving veterans and military families in:
Brentwood, Franklin, Germantown, Collierville, East Memphis
You Earned It
Claim Your VA Loan Benefit — Zero Down
The VA home loan is one of the most powerful financial tools available to veterans and active duty service members. Kimble will help you obtain your Certificate of Eligibility, structure your offer competitively, and close with zero down payment.
Claim Your VA Home Loan Benefit
Zero down, no PMI — you earned it. Let's get you approved.
Frequently Asked Questions
You Earned This Benefit — Let Us Help You Use It
Thank you for your service. Let me help you achieve the homeownership you deserve.
Karinzo Smith NMLS #2652699 | NEXA Mortgage LLC NMLS #1660690