No Down Payment, No Worries

One of the biggest advantages of a VA Loan is the ability to purchase a home with no down payment required. This feature removes one of the most common barriers to homeownership and allows veterans to step into their dream homes sooner.

At Teddy Pendergrass Capital, we work closely with you to make sure the process is smooth and stress-free. Our loan specialists take the time to explain every detail, ensuring that you fully understand your benefits and options.

Flexible Credit and Lower Rates

VA Loans are designed to make homeownership accessible, even for borrowers with less-than-perfect credit. Because the Department of Veterans Affairs guarantees a portion of the loan, lenders can offer lower interest rates and more lenient credit requirements.

We believe that your service deserves flexibility and opportunity, not financial hurdles. That’s why our experts focus on finding the best possible rate for your situation, helping you save more over the life of your mortgage.

Your Partner Every Step of the Way

Buying a home is a big milestone, and you deserve a team that stands by you from beginning to end. Teddy Pendergrass Capital offers a dedicated loan concierge who ensures that every question is answered, every document is in place, and every step is taken with care and precision.

Our goal is to make your home financing journey simple, transparent, and rewarding. With our guidance, you’ll move confidently toward closing day—knowing that your homeownership dream is finally within reach.

Streamlined Process with Expert Guidance

At Teddy Pendergrass Capital, we understand that navigating the mortgage process can be overwhelming, especially for veterans transitioning into civilian life. That’s why our VA Loan process is designed to be efficient, transparent, and stress-free. From your initial consultation to the final closing, our experienced loan officers handle every detail with precision and care.

We take pride in offering personalized guidance, explaining each step clearly so you can make confident, informed decisions. Our dedicated support ensures you spend less time on paperwork and more time preparing to move into your new home.

Building Stability for Those Who Served

A home is more than a financial investment—it’s a foundation for peace, security, and family. With VA Loans from Teddy Pendergrass Capital, veterans and military families can establish lasting roots without the financial strain of traditional lending requirements. Our mission is to help you build long-term stability through affordable homeownership options that honor your service.

We go beyond lending—we build relationships based on trust, integrity, and respect. By providing tailored financial solutions and ongoing support, we help our heroes achieve not just homeownership, but a lasting sense of belonging and stability.