VA Mortgage Program

The vA loan program offers eligible veterans both home purchase and refinance programs.

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The VA Loan program is one of the great steps our Federal Government has taken to benefit home buyers, and specifically, those who are Veterans and Active Duty personnel. The Mission of the VA loan is to help veterans and active duty personnel purchase and retain homes in recognition of their service to the Nation.

"All veterans and other participants in the program will be treated in a courteous, responsive, and timely manner. We will endeavor to operate in the most efficient manner possible to minimize costs and ensure the best use of the taxpayer's dollar."

When you're looking for a VA Loan, the last thing you want is an excuse--you need results, right?

Rest assured in knowing that we offer expert specialty service for specialized programs just like the VA Home Loan. Our loan officers have a wide range of expertise; in fact, many choose to select niche programs as their primary focus to better help VA home buyers become home owners. We can help to quickly refinance your current home loan too!

With both options, you'll be presented with Great Rates and great confidence that our specialist can get the job done right for you the very first time. No excuses...just results!

And if you have challenged credit, that's okay too! Our specialist will work with you, not against you. We're partners with a single, identical goal of helping our clients achieve their home financing goals.

So, what makes our VA loan programs different? The answer is our people, experience and product knowledge.

The VA mortgage program offers two primary products:

• The VA home buyer program - This product is designed to help eligible VA veterans and active duty personnel to achieve home ownership.
• The VA mortgage refinance product - This product offers traditional rate & term refinancing, a cash-out refinance choice & a streamline refinance for existing VA loans.

VA Loan Interest Rates

We believe we offer VA home buyers some of the lowest interest rates and closing costs available in the industry today.

Please do know that rates are changing on an a continual basis, so until we are able to lock in your rate, they are always subject to change. The money we lend to home buyers and refinance clients comes from the same pool as conventional lending funds. The difference is, the VA insures the loan rather than a private mortgage insurance policy (PMI). As a result, the interest rates are tied to the same market factors as conventional rates.

To get today's low rate, just give us a call!

All to often, the cost of obtaining any mortgage can be quite expensive. Thankfully, there is some good news though...

We work hard to keep your closing costs to an absolute minimum. In addition, the VA regulates the closing costs that a veteran may be charged in connection with closing a VA loan.

Fixed Rate or Adjustable?

With the VA home loan, you can can choose either a fixed rate VA mortgage option or the adjustable interest rate option. It's all based upon your financial needs and preferences. Our VA loan originators will go into much more detail with the options you have based upon current VA lending limits and available mortgage products.

Once you've selected your VA loan program, the VA will actually order your appraisal. This is great because it means you know you have an independent third party making decisions on the quality of the home you're about to buy.

What you need and want is not only the best rate at the lowest cost, but a company that delivers low-cost results...not tricky catch phrases, not empty promises, and most certainly not paying for a big company name and the expensive advertising budget that goes along with it.

We believe that we have your interests in mind each step of the way. Our company was created to give home buyers better choices by connecting you with specialists who deliver outstanding results for less. Why not apply now?

Fixed Rate VA Loans

Why are fixed rate VA loans so highly recommenced?

To begin with, a fixed rate VA loan offers security in knowing your mortgage payment is not subject to change. The mortgage "melt-down" really proves this out. Providing stability is a wonderful thing and something a fixed low interest rate loan can do very reliably. Although the fixed loan type limits options, it does provide a long term strategy to equity and security.

The underwriting is no different, nor is the qualifying; and typically, your cost to close is very comparable too. As an added benefit, you can use the fixed rate VA loan program for both a traditional home purchases and for buying a manufactured home. It is the combination of all of these notable benefits that continues to give qualified VA loan applicants a wide range of choices.

Choosing Your Option

Trying to decide whether an adjustable rate mortgage or a fixed rate program is best for your circumstances can be daunting, to say the least. That's where we come in. Your VA loan specialist will be able to take your information and tailor specific options for you based upon the programs available.

So, why wait and longer? Why not send over a Quick Inquiry and one of our VA loan specialists will be in touch with you before you know it!

What Specific Costs Are Involved?

Although some additional costs are unique to certain localities, the closing costs generally include VA appraisal, credit report, survey, title evidence, recording fees, a 1 percent loan origination fee, along with other miscellaneous costs which are fully disclosed on your Good Faith Estimate. The closing costs and origination charge may not be included in the loan, except in VA refinancing loans.

In addition to negotiating the interest rate with your loan specialist, you may negotiate the payment of discount points and other closing costs with the seller. Often, sellers will consider paying some or all of the discount points charged in your loan in order to complete the sale.