Vet Your Credit

We Put You On a Path of Home Ownership

Vet Your Credit – A Complimentary VA Home Loan Credit Counseling Service to Get Veterans, and their Families, On the Path to Homeownership

Sponsored by Counsel Mortgage Group
AZ LO #0913799 NMLS #161653
AZ MB #0909580 NMLS #178927

Are you a VA Home Loan eligible Veteran or Spouse in need of credit improvements to qualify for a new loan or refinance an existing VA Home Loan?

Have you been denied by a lender in the past?

Let Vet Your Credit help you qualify to use your VA Home Loan Benefits.

Our complimentary services help you qualify for a VA Home Loan, with lower interest rates, through expert credit analysis, credit consulting for a personalized action plan, and assistance by our knowledgable team. Our mission is to help every veteran own a home!


Contact the Vet Your Credit Team

(602) 671-9500

Or, Send Us a Message at to Get Started!

Why the VA home loan?

The VA Home Loan is the best loan in the mortgage loan industry. Here’s why you should be using yours!

* No Minimum Credit Score
* No Mortgage Insurance
* Competitive Interest Rates
* Housing Allowance for Active Duty Military


* No Mortgage Insurance
* Competitive Interest Rates
* Housing Allowance for Active Duty Military
* No Prepayment Penalty

Vet Your Credit uses credit improvement techniques, responsible budgeting, and sound credit decisions to help veterans obtain their VA Home Loan Benefits.

Veterans with satisfactory credit, sufficient income, and a valid Certificate of Eligibility (COE) may meet the requirements for a VA Home Loan, Cash-out refinance or an Interest Rate Reduction Refinance Loan. 

Let us help you access resources to become a homeowner or refinance your existing home loan.

Jim Moore is a Vietnam Veteran paying it forward with this VET Your Credit Free Program as his way of recognizing his fellow veterans and giving the required professional attention they deserve. It is Jim’s personal touch that makes the VA Home Loan experience the most gratifying.

Jim Moore is a licensed Mortgage Loan Originator through the Arizona Department of Financial Institutions. Jim has 18 years of mortgage loan experience in all types of residential loans but is especially passionate about VA home loans.Jim has a proven track record of helping other veterans apply for and obtain VA Home Loan benefits. Whether it is purchasing or refinancing, Jim is an expert credit analyzer who will give you a written credit analysis, a written action plan, a personal credit consultation, and a pre-qualification letter once approved.

VA home loans can be used to: 

* Buy a home or a condominium unit in a VA-approved project 

* Build a home 
* Simultaneously purchase and improve a home 
* Improve a home by installing energy-related features or making energy efficient improvements 
* Buy a manufactured home and/or lot 
* Refinance an existing VA-guaranteed or direct loan for the purpose of a lower interest rate

Are You Eligible?


You must have satisfactory credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan. The home must be for your own personal occupancy. The eligibility requirements to obtain a COE are listed below for Service members and Veterans, spouses, and other eligible beneficiaries.

Eligibility Requirements for VA Home Loans

Restoration of Entitlement

Veterans can have previously-used entitlement “restored” to purchase another home with a VA loan if:

The property purchased with the prior VA loan has been sold and the loan paid in full, or

A qualified Veteran-transferee (buyer) agrees to assume the VA loan and substitute his or her entitlement for the same amount of entitlement originally used by the Veteran seller. The entitlement may also be restored one time only if the Veteran has repaid the prior VA loan in full, but has not disposed of the property purchased with the prior VA loan. Remaining entitlement and restoration of entitlement can be requested through the VA Eligibility Center by completing VA Form 26-1880.


If you are a low-income disabled Veteran and would like to apply for assistance with VA Home Loan fees please email or call us at
602-842-4400 option 1