VA Home Loans · Utah & Florida

The home loan benefit you earned, handled by a Combat Army Veteran.

Mendenhall Mortgage helps veterans, service members and military families buy, refinance and build with a VA loan, anywhere in the entire states of Utah and Florida.

Apply Now Call 801-602-3550

Lance Mendenhall · NMLS #1646876 · Licensed in Utah and Florida

Why choose us

Why veterans and service members choose Mendenhall Mortgage

My background as a Combat Army Veteran shapes everything I do in business, rooted in the core belief that it’s not about me—it’s about serving the person next to me. That is why helping fellow veterans secure their dream homes and maximize their earned benefits is my primary mission. I bring the same discipline, loyalty, and relentless focus to your mortgage process that I brought to my military service. When it comes to your home loan, you can trust that your goals will always come first.

Veteran to veteran

You work with someone who understands service, deployments and moves on orders, not a call center reading from a script.

Focused on VA loans

From first home to refinance to new construction, every program here is built around the VA benefit you earned.

Your benefits, maximized

Eligible borrowers may buy with no down payment and no monthly mortgage insurance. We help you use every advantage available.

Clear, honest guidance

Plain answers, steady communication and total integrity from your first question to the day you get your keys.

VA Loan Programs

Five VA loans, one dedicated loan officer.

Choose the program that matches where you are, and see exactly how it works.

VA First-Time Home Buyers

Your first home with no down payment required for eligible borrowers, and a guide who walks every step with you.

Learn more

VA Purchase

Moving up, relocating on orders or buying again. Use your benefit on your next primary residence.

Learn more

VA Cash Out Refinance

Turn home equity into cash, or move out of a conventional or FHA loan and into the VA benefit.

Learn more

VA IRRRL

No appraisal needed and no income verification. You only need four documents.

Learn more

VA Construction Loan

Build the home you want, with one process from groundbreaking to a long-term VA mortgage.

Learn more

Where we lend

Serving ALL of Utah and Florida.

Utah

VA home loans throughout the entire state.

VA IRRRL in Clearfield, UT VA Cash Out Refinance in Clearfield, UT

Florida

VA home loans throughout the entire state.

VA Purchase Loans in Valparaiso, FL VA First-Time Home Buyers in Valparaiso, FL

About

Lance Mendenhall, Combat Army Veteran

As a proud Combat Army Veteran, my entire business is built on a fundamental principle learned in uniform: it’s never about me, it’s about the person standing next to me. That mindset drives my commitment to the mortgage industry, where serving fellow veterans and their families is my top priority. Navigating home financing can feel like a battlefield, but I am dedicated to guiding you through every step with clear communication and total integrity. My mission is simple—helping you achieve homeownership with the honor, care, and focus you deserve.

Mendenhall Mortgage is focused on VA home financing. First-time buyers, military families relocating on orders, homeowners ready to refinance and veterans planning to build all get straight answers, a plan that fits their numbers and a loan officer who stays with them from application to closing.

I am licensed throughout the entire states of Utah and Florida, and I work alongside the Total Financial Health team to build VA loan options around your entitlement, your budget and your timeline.

NMLS #1646876 Licensed in Utah and Florida Combat Army Veteran

More about Lance

Start your VA home financing journey today.

Serving ALL of Florida and Utah.

Apply Now 801-602-3550 lance@tfh.me

Home / About Lance

About Lance Mendenhall

Combat Army Veteran. VA loan officer. Here to serve the person standing next to you.

I am licensed throughout the entire states of Utah and Florida, and I work alongside the Total Financial Health team to build VA loan options around your entitlement, your budget and your timeline.

NMLS #1646876 Licensed in Utah and Florida Combat Army Veteran

Start your VA home financing journey today.

Serving ALL of Florida and Utah.

Apply Now Contact Lance

Home / Contact Lance

Contact Lance

Ready to talk about your VA loan? Call, email, or start your application online. Serving ALL of Florida and Utah.

Apply Now

Call

801-602-3550

Talk directly with Lance about your goals.

Email

lance@tfh.me

Send your questions any time.

Visit

12 West 100 North, Suite 201A
American Fork, UT

Get directions

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NMLS #1646876 · Licensed in Utah and Florida

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Home / VA Loan Programs / First-Time Home Buyers

VA First-Time Home Buyers

Buying your first home is a big step. With a VA loan, eligible veterans and service members may be able to take it with no down payment and no monthly mortgage insurance.

Apply Now Call 801-602-3550

Your first home, with the benefit you earned.

A VA loan is guaranteed by the U.S. Department of Veterans Affairs, which lets lenders offer terms many first-time buyers can’t find elsewhere. Lance walks you through eligibility, your Certificate of Eligibility, budgeting and the offer process in plain language, so nothing about your first purchase feels like guesswork.

What first-time buyers get with a VA loan

No down payment

Eligible borrowers with full entitlement can often finance 100% of the purchase price, keeping your savings in your pocket.

No monthly mortgage insurance

VA loans do not require monthly private mortgage insurance, which can lower your payment compared with many other loans.

Competitive rates

The VA guaranty reduces lender risk, and VA loans are known for competitive interest rates.

Closing costs kept in check

VA rules limit certain fees a borrower can be charged, and sellers may be able to contribute toward your closing costs.

How it works

Talk with Lance

A short conversation about your goals, budget and timeline.

Confirm your eligibility

We help you get your VA Certificate of Eligibility.

Get pre-approved

Know your price range, then shop and make offers with confidence.

Close and get your keys

Lance manages the process through closing day.

Good to know: a one-time VA funding fee generally applies. Veterans who receive VA disability compensation, and certain others, are exempt. Your fee depends on your service history and loan details.

Start your VA home financing journey today.

Serving ALL of Florida and Utah.

Apply Now 801-602-3550

Explore other VA loan programs

VA Purchase VA Cash Out Refinance VA IRRRL VA Construction Loan

Home / VA Loan Programs / Purchase

VA Purchase Loan

Moving up, relocating on orders or buying again. Use your VA benefit on your next primary residence, with terms built for those who served.

Apply Now Call 801-602-3550

One benefit, ready for every move.

The VA purchase loan isn’t only for first homes. Whether you’re upgrading, downsizing, or moving your family after a PCS, you can use your entitlement to buy a primary residence. Lance helps you understand how much entitlement you have available, what you can afford and how to write a strong offer.

Why buy with a VA loan

Little or no money down

Eligible borrowers with full entitlement can often buy with no down payment, up to the home’s appraised value.

No monthly mortgage insurance

Skip the monthly PMI that many other loans require, and keep more of your payment working for you.

Use it more than once

Your VA benefit isn’t one and done. Remaining or restored entitlement can often be used again on a future purchase.

Protected by VA appraisal

A VA appraisal confirms value and checks that the home meets minimum property requirements before you close.

How it works

Review your entitlement

We confirm your Certificate of Eligibility and the entitlement you have available.

Get pre-approved

A clear budget and a pre-approval letter that sellers take seriously.

Find and secure your home

Make your offer, then move through the VA appraisal and underwriting.

Close with confidence

Lance keeps you informed until you have the keys in hand.

Good to know: a one-time VA funding fee generally applies and may be financed into the loan. Veterans who receive VA disability compensation, and certain others, are exempt.

Start your VA home financing journey today.

Serving ALL of Florida and Utah.

Apply Now 801-602-3550

Explore other VA loan programs

VA First-Time Home Buyers VA Cash Out Refinance VA IRRRL VA Construction Loan

Home / VA Loan Programs / Cash Out Refinance

VA Cash Out Refinance

Turn the equity you’ve built into cash, or move out of a conventional or FHA loan and into the VA benefit you earned.

Apply Now Call 801-602-3550

Put your home equity to work.

A VA cash out refinance replaces your current mortgage with a new VA loan and lets you take part of your equity as cash at closing. It also works for homeowners with a non-VA loan who want to drop monthly mortgage insurance and take advantage of VA terms. Lance reviews your numbers with you and shows what makes sense before you commit.

What a cash out refinance can do

Access your equity

Use cash from your home for improvements, debt consolidation, education or other big goals.

Leave a non-VA loan behind

Refinance a conventional or FHA loan into a VA loan and step away from monthly mortgage insurance.

Reshape your loan

Change your rate, term or loan type while you tap your equity, all in a single refinance.

Built for borrowers who served

VA guidelines can allow higher loan-to-value limits than many other cash out programs, depending on lender guidelines.

How it works

Review your goals

How much cash you need, and what your current loan looks like.

Confirm eligibility

We verify your VA entitlement and review your credit and income.

Appraisal and underwriting

A VA appraisal sets your home’s value and your available equity.

Close and receive your cash

Your old loan is paid off and the remaining proceeds are yours.

Good to know: a cash out refinance replaces your existing mortgage and requires an appraisal and full qualification. A VA funding fee generally applies unless you are exempt, and the amount available depends on your home’s value and lender guidelines.

Start your VA home financing journey today.

Serving ALL of Florida and Utah.

Apply Now 801-602-3550

Explore other VA loan programs

VA First-Time Home Buyers VA Purchase VA IRRRL VA Construction Loan

Home / VA Loan Programs / IRRRL

VA IRRRL

The VA Interest Rate Reduction Refinance Loan: the fastest, simplest way for a veteran with an existing VA loan to lower their rate and payment.

Apply Now Call 801-602-3550

The IRRRL advantage

No appraisal needed and No income verification.

This makes the loan simple and super easy. You only need four documents!

Lower your rate without the usual hassle.

If you already have a VA loan, an IRRRL, sometimes called a VA streamline refinance, replaces it with a new VA loan at a lower interest rate, or moves you from an adjustable rate to a stable fixed rate. Because the process is streamlined, there is far less paperwork and far less waiting. Lance will confirm that the refinance benefits you before you move forward.

Why veterans choose the IRRRL

No appraisal needed

There is no need to wait on an appraisal or worry about your home’s current value.

No income verification

No pay stubs, W-2s or tax returns to chase down. The process stays simple.

Only four documents

A short checklist that gets you from application to closing quickly.

Lower payment, steadier rate

Reduce your interest rate, or trade an adjustable rate for the stability of a fixed one.

How it works

Check your savings

Lance compares your current loan with the new rate and payment.

Apply online

Start your application in minutes through our secure portal.

Send your four documents

We tell you exactly which ones, so there’s no guesswork.

Close on your new loan

Your new, lower-rate VA loan replaces the old one.

Good to know: an IRRRL is available to borrowers who already have a VA loan on the home. A reduced VA funding fee generally applies unless you are exempt, and the new loan must provide a benefit to you under VA rules.

Start your VA home financing journey today.

Serving ALL of Florida and Utah.

Apply Now 801-602-3550

Explore other VA loan programs

VA First-Time Home Buyers VA Purchase VA Cash Out Refinance VA Construction Loan

Home / VA Loan Programs / Construction Loan

VA Construction Loan

Build the home you’ve pictured, with a financing plan that carries you from the first day of construction to a long-term VA mortgage.

Apply Now Call 801-602-3550

From empty lot to front door.

Building a home involves more moving parts than buying one: land, a builder, draw schedules and a final loan. Lance helps veterans plan the financing for new construction so the build and the long-term VA mortgage work together, and explains the requirements for your project before you break ground.

What building with VA financing looks like

One plan for the whole build

Structure your construction financing and your permanent VA loan together, with one team guiding you.

VA benefits on the finished home

Eligible borrowers may keep the VA advantages of low or no down payment and no monthly mortgage insurance on the permanent loan.

Clarity on builder requirements

We explain builder approval, inspections and draw schedules up front, so there are no surprises mid-build.

A guide who has served

Your loan officer is a Combat Army Veteran who treats your build with the same discipline as a mission.

How it works

Share your project

Your lot, your builder, your plans and your budget.

Choose your financing path

Lance maps out the structure that fits your build and your entitlement.

Build with funds released in stages

Construction progress is inspected as funds are drawn.

Move into a long-term VA loan

Once the home is complete, you settle into your permanent mortgage.

Good to know: VA construction financing is structured through the lender, and options, builder requirements and terms vary by project. Contact Lance to see what is available for your build.

Start your VA home financing journey today.

Serving ALL of Florida and Utah.

Apply Now 801-602-3550

Explore other VA loan programs

VA First-Time Home Buyers VA Purchase VA Cash Out Refinance VA IRRRL