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THE VA LADY

We Help Veterans
Buy Their
Dream Home

Get expert guidance and a clear plan to homeownership. We're here to make the process simple and stress-free.

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Levels

VA HOMEBUYER
SELECT

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$0 DOWN

CREDIT SCORES AS LOW AS

560

VA LOAN BENEFIT

You are a SELECT Homebuyer
if any of these apply...

  • Credit scores as low as 560

  • Bankruptcy OK if discharged 2+ years ago

  • No late credit payment in past 12 months

  • Seller assisted closing costs needed

  • Limited upfront funds to get started

Restrictions Apply

Subject to Change Without Notice

VA HOMEBUYER
ELITE

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$0 DOWN

CREDIT SCORES STARTING

620+

VA LOAN BENEFIT

You are a ELITE homebuyer
if any of these apply...

  • Credit scores of 620+

  • Low monthly debt payments

  • No late credit payments in 2+ years

  • Steady income for 2+ years

  • Current savings for upfront costs

Restrictions Apply

Subject to Change Without Notice

VA HOMEBUYER
LUXE

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$0 DOWN

CREDIT SCORES STARTING

560+

VA LOAN BENEFIT

You are a  LUXE Homebuyer
if any of these apply...

  • Plan to purchase $500k to $1 Million

  • Credit scores of 560 or higher

  • Higher debt-to-income ratios

  • Strong savings and/or assets

  • Want to buy in upscale community

Restrictions Apply

Subject to Change Without Notice

Have questions before you start?

That's what we're here for.

Call us at 843 699-6000

Monday through Thursday 9 am–7 pm

Friday and Saturday 9 am–1 pm EST.

 

No pressure, no scripts; just a real conversation

about your path to homeownership.

The VA Lady
Top Veteran Mortgage Originator

Awarded by the

National Association of Mortgage Brokers

Your Homeownership Goals Come First

Every veteran's journey is different. We take the time to understand your goals, answer your questions, and help you explore the homebuying options that fit your needs.

Your Credit Isn't Your Whole Story

Past financial challenges shouldn't stop you from exploring homeownership. Whether your credit is excellent or needs improvement, we'll help you understand your options and possible next steps.

Real Guidance From Start to Finish

You don't have to figure everything out on your own. From your first questions to the day you receive your keys, our team is here to explain the process and help you move forward with confidence.

You've Earned These Benefits — Let's Use Them

Your service earned you valuable VA home loan benefits. Our mission is to help you understand them and make informed decisions about your future home.

WHAT OUR CLIENTS SAID

Client Reviews
Real Clients. Real Solutions.

Don't take our word for it. Real families. Real experiences. Real homes. These are the stories of buyers who trusted us with one of the most important decisions of their lives and we could not be more proud of what they accomplished.

Happy military veteran homebuyer in Georgia

M. Adams

Buying a home can be stressful, but working with this team made the entire process smooth and enjoyable. They were knowledgeable, patient, and always available to answer my questions. From beginning to end, I felt supported, confident, and truly cared for. They took the time to understand exactly what I was looking for and delivered options that matched perfectly. Their market knowledge and negotiation skills were impressive, and their dedication made all the difference. I couldn’t be happier with my new home to raise my family in. Their team exceeded all my expectations. Highly recommended!​

Happy active duty military who purchased a home in South Carolina

R. Washburg

​First of all, let me say that the VA Lady is the bomb…and I mean that in the most positive way. When I started this process, I had just lost my sister so I was back-and-forth between Georgia and Indiana. She checked on me consistently and also kept me updated on my process. Shortly after that I had a motorcycle accident that slowed me down some but again her and her team kept me informed of where I was at in the process. When I say that I was a nervous wreck about closing, that feeling turned more positive every time we communicated. Thank you for everything. I highly recommend The VA Lady.​

National Guard first time homebuyer who bought a home in Georgia.

I want to give a shout out to Cathy Jordan for doing an excellent job getting us into our new house; she didn't stop until we got this home. Everyone else turned us down but Cathy didn't give up until we got our home. We were blessed to have her on our team. Thank you for everything you did for us. She worked long hours to get this house ours. We love you and appreciate for all you did for us. Thank you again.​

T. Williams

NO PRESSURE.  NO OBLIGATION.  EVER.

It's Time to Stop Renting
and Start Buying

Fall House
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Serving Active Duty, Veterans, National Guard & Reservists

Throuhout GA, NC, & SC

The VA Lady, a Novex Home Loans Company

 

CONTACT INFORMATION

Click to call: 843 699-6000

Fax: 803 636-2883

Email: Docs@NovexHomeLoans.com

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MAILING ADDRESS

4711 Forest Dr Suite 3

PMB 160 

Columbia, SC 29206

Operating Hours (EST)

Monday - Thursday 9:00 am - 7:00 pm

Friday and Saturday 9:00 am - 1:00 pm

Sunday - Closed

Federal Holidays - Closed

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LICENSING INFORMATION

BSR Home (Realty Company)

NAR NRDS #748028619
GREC #393426 / 77436
NCREC #344155 / C39374

SCREC #79842 / 20451

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Novex Home Loans

NMLS #1876911

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Awarded Top Veteran Mortgage Originator

Presented by the National Association of Mortgage Brokers

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