About VA Loans

VA Loans

Do you qualifiy for a VA loan? VA Loans are currently classified as the #1 Loan type for consumers by mortgage lenders. There are a few guidelines that must be met to qualify. Local lenders and mortgage companies approved to handle VA loans will write your mortgage. A VA loan is guaranteed by the Veterans Administration  (VA). To the lender, a VA loan means that the loan is protected against loss should the borrower fail to repay the loan. To the borrower, a VA loan carries a significantly lower interest rate, lower fees, and little to no downpayment expectations. If you qualify, you should apply for a VA loan.

VA Loan Advantages:

  • No Down Payment Required
  • Reduced Interest Rates
  • 30 and 15 Year Fixed Loans
  • No Mortgage Insurance premium
  • Limited Closing Costs
  • No Prepayment Penalty

You might qualify if you meet any of these criteria:

  • Currently active in the military for the US Armed Forces.
  • A veteran who has served in the US Armed Forces and has an honorable discharge.
  • A reservist/national guard member.
  • An eligible surviving spouse of a soldier.

Why go for a VA mortgage loan? VA mortgage loans can be guaranteed with no money down and there is no private mortgage insurance requirement.

Most Mortgage companies have an active VA Loan program. They run promotions from within the mortgage company to provide extra services for the Veteran in search of a Home Mortgage. Many Lenders run very lucrative promotional benefits for Veterans within the VA loan package. Contact your lender and see what they offer with their VA Loan package. Don't be afraid to shop around and make sure you get the best loan package for your needs.

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