For Those Who Served

A Veteran Helping Veterans Find Home

I served as a UH-60 Black Hawk crew chief in Afghanistan. I know what it’s like to transition from military life to civilian life — the uncertainty, the paperwork, the feeling that nobody quite understands where you’ve been or what you need. I’ve been there.

That’s why helping veterans buy homes isn’t just part of my business. It’s personal. You earned this benefit. Let me make sure you use it right.

VA Loan Benefits

The VA home loan is one of the most powerful financial tools available to those who’ve served. Here’s what makes it exceptional:

• Zero down payment — Buy a home with nothing down. No saving for years to hit 20%.
• No private mortgage insurance (PMI) — That’s hundreds of dollars a month you keep in your pocket.
• Competitive interest rates — VA rates consistently beat conventional and FHA loans.
• Reusable benefit — You can use your VA loan entitlement again and again, not just once.
• Funding fee exemption — Veterans with a service-connected disability pay zero funding fee, saving thousands at closing.

VA Loans + New Construction

Here’s something most agents won’t tell you: VA loans and new construction are a powerful combination. At LGI Homes, we welcome VA buyers — and in many cases, the builder covers closing costs as part of the incentive package.

That means you could move into a brand-new home with a full builder warranty, modern floor plan, and energy-efficient systems — with zero down and minimal out-of-pocket costs. This is the kind of deal that builds real wealth from day one.

VA Loan Myths — Debunked

Myth: “VA loans are slow.”

Reality: VA loan timelines are comparable to conventional loans. With a good lender and an organized agent, VA closings run on schedule. I’ve closed dozens of them — no delays, no drama.

Myth: “Sellers don’t accept VA offers.”

Reality: LGI Homes welcomes VA buyers. New construction builders aren’t scared of VA appraisals or inspections the way some resale sellers are. Your offer is just as strong as anyone else’s.

Myth: “You can only use your VA loan once.”

Reality: Your VA entitlement is reusable. You can sell a home purchased with a VA loan and use the benefit again on your next one. Some veterans can even have two VA loans active at the same time.

Heath’s Military Credentials

• US Army UH-60 Black Hawk Crew Chief & Instructor
• Afghanistan Veteran
• FAA Part 107 Remote Pilot Certificate
• NAVAIR UAS/UAV Deployment Technician

Why a Veteran Agent Matters

Working with a veteran agent isn’t about a discount or a sales pitch. It’s about working with someone who actually understands your world:

• Military relocation — I understand PCS timelines and the urgency of finding a home on a compressed schedule.
• BAH calculations — I know how to align your housing allowance with your mortgage so the numbers actually work.
• The language — You don’t have to explain acronyms, rank structure, or why your W-2 looks different. I already know.
• No explaining your situation — Gaps in employment during deployments, multiple addresses, unusual income documentation — I’ve seen it all and I know how to navigate it with lenders.

You served your country. You shouldn’t have to fight for good representation when you buy a home.

More Resources

• New Construction Guide — VA loans + new construction is a powerful combination
• Buyers Guide — Complete step-by-step homebuying process
• Current Rates & Market Data — Compare VA, conventional, and FHA rates
• Real Estate Insights — VA loan tips and Oregon market analysis

Heath proudly serves active duty, veterans, reservists, National Guard, and military families across Oregon and Washington.