Prime Home Team helps eligible VA buyers search homes, compare VA mortgage costs, request a personalized VA rate quote, and use the Prime Buyer Advantage to potentially reduce lender fees.
VA financing can be one of the most valuable home-buying benefits available to eligible military buyers, veterans, service members, and qualifying surviving spouses. But even with a VA loan, buyers still need to compare the full cost of the mortgage, including rate, lender fees, closing costs, funding fee, payment, and cash to close.
Prime Home Team gives VA buyers a clearer way to start by combining real estate guidance with access to Ultimate Mortgage through the Prime Buyer Advantage.
VA-backed home loans may offer major advantages for eligible buyers, including the ability to buy with no VA-required down payment in many cases and no monthly mortgage insurance. VA buyers still need to compare lender fees, interest rate, APR, closing costs, the VA funding fee, estimated cash to close, and monthly payment.
VA buyers often focus on the benefit itself, but the lender and real estate strategy still matter. The Prime Buyer Advantage is designed to help qualified VA buyers reduce certain lender costs, compare mortgage pricing, and create long-term value when the buyer eventually sells the home.
Identify your target location, estimated purchase price, timeline, preferred home type, and whether you have used your VA benefit before.
Request a personalized VA mortgage rate quote from Ultimate Mortgage using key preliminary information — before completing a full application.
Request My VA Rate Quote →See potential savings from no 1% loan origination fee, no lender processing fee, and future 1.5% listing fee savings.
Use the Savings Calculator →Once the VA financing picture is clearer, search homes in El Paso County, Colorado.
Consider whether the home condition, property type, appraisal, and occupancy requirements may fit VA financing.
We help VA buyers consider offer strategy, seller-paid costs, appraisal considerations, inspection timelines, financing terms, and closing timelines.
Inspection, appraisal, title review, loan processing, underwriting, insurance, final approval, closing disclosure, and closing.
When you later sell the home purchased through Prime Home Team, you may qualify for the future 1.5% listing fee, subject to program terms.
VA financing may reduce certain costs compared with other loan types, but VA buyers should still compare the complete mortgage offer.
The example below shows how the Prime Buyer Advantage may create savings for a VA buyer using an estimated 1% loan origination fee and an estimated $600 lender processing fee, plus potential future listing fee savings if the buyer later sells the same home through Prime Home Team.
This example is for illustration only. Actual savings vary by borrower, loan amount, loan program, property type, market conditions, lender pricing, VA eligibility, funding fee status, third-party fees, title charges, appraisal fees, taxes, insurance, prepaid items, escrow costs, and other factors. The 1% origination fee and $600 processing fee are example assumptions and may vary by lender. Listing fees vary and are negotiable. This is not a loan estimate, rate quote, pre-approval, commitment to lend, or guarantee of savings.
VA loans follow VA guidelines, but lender pricing, fees, credits, overlays, communication, and service can vary by lender.
Also compare APR, points, lender fees, credits, funding fee treatment, payment, and cash to close.
VA guidance notes many lenders charge VA borrowers a 1% flat origination fee. Ultimate Mortgage does not charge this fee through the Prime Buyer Advantage.
Some VA buyers may need to pay a VA funding fee, which can affect the total loan amount and payment. Some borrowers may be exempt, so get a personalized quote.
Builder credits can help, but compare whether the incentive is offset by a higher rate, points, fees, or other costs.
The Prime Buyer Advantage helps buyers think ahead with a future 1.5% listing fee when selling the home purchased through Prime Home Team.
Not sure where to start? Tell us a bit about your situation and we’ll point you in the right direction.
Yes. VA buyers can request a personalized rate quote using key preliminary information. A full application may be needed later for pre-approval, underwriting, and final loan approval. Request My VA Rate Quote →
The VA does not require a down payment for many VA-backed home loans, and official VA information says nearly 90% of VA-backed loans are made with no down payment. However, lenders may require down payments for some borrowers or scenarios.
The VA states that the VA home loan program does not require monthly mortgage insurance. However, buyers may still have other costs, including the VA funding fee, closing costs, taxes, and insurance.
The VA funding fee is a one-time fee that may apply to VA-backed or VA direct home loans. The fee helps lower the cost of the VA loan program to taxpayers. Some borrowers may be exempt.
Ultimate Mortgage does not charge a 1% loan origination fee and does not charge a lender processing fee.
Buyers may choose any lender. If you already have a quote, Loan Estimate, or lender worksheet, it can be submitted for review and comparison. Compare My VA Lender Quote →
Yes. Eligible VA buyers may use the Prime Buyer Advantage when they buy through Prime Home Team and finance through Ultimate Mortgage, subject to program terms, borrower qualifications, property eligibility, and loan approval.
No. Actual savings vary based on borrower qualifications, loan amount, loan program, VA eligibility, funding fee status, market conditions, lender pricing, property type, third-party fees, and other factors.
Yes, but it is helpful to understand the VA mortgage numbers before seriously touring homes or making an offer. Search Homes →
When a buyer purchases a home through Prime Home Team and later chooses Prime Home Team to sell that same home, Prime Home Team will list the property for a 1.5% listing fee, subject to the listing agreement and program terms.
