Defend It Own It
Find Out What You Can Afford or Save With Your VA Loan — In 2 Minutes
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Down Payment
Never
PMI
Lower
Interest Rates
Seller Paid
Closing Costs
Meet Kyle
Not every lender understands VA loans. Kyle does.
Kyle focuses exclusively on VA home loans. That means no learning curve, no guesswork, and no wasted time explaining your benefit to someone who doesn't specialize in it.
Whether you're buying in California, Texas, Florida, or anywhere else Kyle is licensed, you get the same expert VA guidance from start to finish. Over a decade of experience helping veterans use the benefits they earned.
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Years of Experience
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Veteran Families Served
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Licensed States
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5-Star Reviews
Why VA Loans
The most powerful home buying tool in America
It's not just a benefit — it's a competitive advantage that puts homeownership within reach.
$0 Down Payment
No down payment required. Most loan programs require 3-20% down. With your VA benefit, you can buy a home with zero money down.
0% PMI — Ever
Conventional loans charge PMI until you hit 20% equity. VA loans eliminate PMI entirely, saving you hundreds every month.
Lower Interest Rates
VA loans consistently offer lower interest rates than conventional loans. A lower rate means tens of thousands saved over your mortgage.
$0 Out of Pocket
VA loans allow the seller to pay your closing costs. In the right market, you can buy a home with zero out of pocket.
You earned this benefit. Let's put it to work.
You defended it. Now own a piece of it.
How It Works
Answer a few questions
Basic info about your service and homebuying goals. Takes about 2 minutes.
See your buying power or potential savings instantly
See your estimated purchase amount, rate, and monthly payment instantly. No hard credit pull.
Connect with Kyle
Ready to move forward? Turn your buying power into a home with a VA loan expert.
Testimonials
What Veterans Are Saying
I submitted our application just to see what happens and we didn't expect to get a response so fast that we have been approved and then a few month later we received our keys to our beautiful home . Thank Military Homespot Lending.
Joel R.
U.S. Army | May 6, 2024
San Diego, CA
Kyle and his team have helped my wife and I purchase two homes and couldn't have made it easier. He is very knowledgeable, open, communicative, and goes above and beyond for his clients. We will continue to recommend him to all of our friends and veterans when they're needing a lender!
Joseph O.
U.S. Navy | Feb 8, 2024
San Diego, CA
Kyle is the man! Super understatement! A straight shooter and will go out of his way to make sure things are correct and will break everything down Barney style to you. As a first time home buyer he made the loan side of it so much at ease very grateful for him and Angie.
Ralphaell P.
U.S. Navy | Apr 19, 2023
San Diego, CA
This is actually the 2nd time dealing with Kyle. He helped me secure my first home loan last year. Nothing but an awesome experience once again. This time I decided to take advantage of the current market and utilize a VA Cashout refinance to help eliminate my outstanding debt.
George K.
USMC | Jun 10, 2022
San Diego, CA
Kyle and team were very approachable. They were always made sure that we had the right answer. Things went smoothly and according to the timetable that Kyle gave us. The process was seamless and actually quite pleasant.
Thomas C.
U.S. Navy | Sep 26, 2020
San Diego, CA
Best rates, exceptional service, intense knowledge, fervent patriotism. These are just a few of the standards, qualities and characteristics you can expect from Kyle Melvin. I have worked with him for 3 years through multiple deals with my home.
Kyle B.
USMC | Sep 9, 2020
Virginia Beach, VA
Kyle and his team made my first home buying experience seem way too easy. The speedy response times and professionalism is second to none. There will be no one else that'll be handling my future home buy and selling!
Stephen W.
U.S. Navy | Aug 18, 2020
McDonough, GA
Kyle Melvin has once again been an amazing loan officer as he helped us secure our refinancing loan! He answered all of our questions and made sure we got the best terms. I am really glad we took his advice and refinanced our home loan!
Silvia R.
U.S. Navy | May 21, 2020
San Diego, CA
Kyle is an amazing Loan Officer! It was time to refinance our own home. I am in the Real Estate industry and Kyle truly provides top-tier service and value to his clients. From beginning to end, Kyle constantly communicated and advised the next steps.
Jacob
U.S. Navy | Apr 19, 2020
San Diego, CA
My process was definitely an experience that I wouldn't trade for anything. They educated me as well as made sure things were taken care of. Thank you.
Ashley
U.S. Navy | Apr 2, 2020
San Diego, CA
You guys did everything you guys could and beyond I would recommend to everyone looking to buy a home
Naomi
U.S. Navy | Mar 20, 2020
San Diego, CA
You did great. Got my closing on time in spite of all the setbacks.
James
U.S. Navy | Mar 20, 2020
San Diego, CA
Kyle makes the process stress-free and easy. We have used him for past home loans, and will continue to use him for any future home loans. I would highly recommend Kyle to my family and friends. Thank you again!
Chris K.
USMC | Feb 10, 2020
San Diego, CA
Kyle Melvin did a awsome job. He kept me informed and in tune with the home buying process. Any questions I had were promptly and expertly answered using terms I could understand. I totally recommend Kyle for you home finance needs.
Errol
U.S. Army | Jan 27, 2020
San Diego, CA
We are very thankful to them! Very nice people to work with! 10 out of 10!
Mary Grace D.
U.S. Navy | Jan 23, 2020
San Diego, CA
I submitted our application just to see what happens and we didn't expect to get a response so fast that we have been approved and then a few month later we received our keys to our beautiful home . Thank Military Homespot Lending.
Joel R.
U.S. Army | May 6, 2024
San Diego, CA
Kyle and his team have helped my wife and I purchase two homes and couldn't have made it easier. He is very knowledgeable, open, communicative, and goes above and beyond for his clients. We will continue to recommend him to all of our friends and veterans when they're needing a lender!
Joseph O.
U.S. Navy | Feb 8, 2024
San Diego, CA
Kyle is the man! Super understatement! A straight shooter and will go out of his way to make sure things are correct and will break everything down Barney style to you. As a first time home buyer he made the loan side of it so much at ease very grateful for him and Angie.
Ralphaell P.
U.S. Navy | Apr 19, 2023
San Diego, CA
This is actually the 2nd time dealing with Kyle. He helped me secure my first home loan last year. Nothing but an awesome experience once again. This time I decided to take advantage of the current market and utilize a VA Cashout refinance to help eliminate my outstanding debt.
George K.
USMC | Jun 10, 2022
San Diego, CA
Kyle and team were very approachable. They were always made sure that we had the right answer. Things went smoothly and according to the timetable that Kyle gave us. The process was seamless and actually quite pleasant.
Thomas C.
U.S. Navy | Sep 26, 2020
San Diego, CA
Best rates, exceptional service, intense knowledge, fervent patriotism. These are just a few of the standards, qualities and characteristics you can expect from Kyle Melvin. I have worked with him for 3 years through multiple deals with my home.
Kyle B.
USMC | Sep 9, 2020
Virginia Beach, VA
Kyle and his team made my first home buying experience seem way too easy. The speedy response times and professionalism is second to none. There will be no one else that'll be handling my future home buy and selling!
Stephen W.
U.S. Navy | Aug 18, 2020
McDonough, GA
Kyle Melvin has once again been an amazing loan officer as he helped us secure our refinancing loan! He answered all of our questions and made sure we got the best terms. I am really glad we took his advice and refinanced our home loan!
Silvia R.
U.S. Navy | May 21, 2020
San Diego, CA
Kyle is an amazing Loan Officer! It was time to refinance our own home. I am in the Real Estate industry and Kyle truly provides top-tier service and value to his clients. From beginning to end, Kyle constantly communicated and advised the next steps.
Jacob
U.S. Navy | Apr 19, 2020
San Diego, CA
My process was definitely an experience that I wouldn't trade for anything. They educated me as well as made sure things were taken care of. Thank you.
Ashley
U.S. Navy | Apr 2, 2020
San Diego, CA
You guys did everything you guys could and beyond I would recommend to everyone looking to buy a home
Naomi
U.S. Navy | Mar 20, 2020
San Diego, CA
You did great. Got my closing on time in spite of all the setbacks.
James
U.S. Navy | Mar 20, 2020
San Diego, CA
Kyle makes the process stress-free and easy. We have used him for past home loans, and will continue to use him for any future home loans. I would highly recommend Kyle to my family and friends. Thank you again!
Chris K.
USMC | Feb 10, 2020
San Diego, CA
Kyle Melvin did a awsome job. He kept me informed and in tune with the home buying process. Any questions I had were promptly and expertly answered using terms I could understand. I totally recommend Kyle for you home finance needs.
Errol
U.S. Army | Jan 27, 2020
San Diego, CA
We are very thankful to them! Very nice people to work with! 10 out of 10!
Mary Grace D.
U.S. Navy | Jan 23, 2020
San Diego, CA