VA Loans
VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs, designed specifically for veterans, active-duty service members, and eligible surviving spouses. These loans offer unique benefits to honor your service.
Key Benefits of VA Loans
VA loans offer unique advantages that make homeownership more accessible for those who have served our country.
No Down Payment
VA loans offer 100% financing with no down payment required, making homeownership more accessible.
- Purchase with $0 down
- No minimum investment
- 100% financing available
No PMI Required
Unlike conventional loans, VA loans don't require private mortgage insurance, saving you money each month.
- Lower monthly payments
- No monthly insurance premium
- More affordable long-term
Competitive Interest Rates
VA loans typically offer lower interest rates compared to conventional loans, helping you save over the life of your loan.
- Lower than conventional rates
- Government backing reduces risk
- Significant long-term savings
No Lender Fees on VA Loans
At GetTheMortgage.com, we're proud to support our veterans and military families. As a token of our appreciation for your service, we do not charge lender fees on VA loans. This can save you thousands of dollars in closing costs.
VA Loan Options
We offer a variety of VA loan options to meet your specific needs.
After 12 years in the Army, I wasn't sure if homeownership was possible for me and my family. Mariana at GetTheMortgage.com walked me through the entire VA loan process, explaining every step along the way. Thanks to her expertise and the no-down-payment option, we were able to purchase our dream home. I'm grateful for the support and respect shown to veterans by the GetTheMortgage.com team.
Frequently Asked Questions
Who is eligible for a VA loan?
VA loans are available to veterans, active-duty service members, and eligible surviving spouses. Generally, you may be eligible if you served 90 consecutive days during wartime, 181 days during peacetime, or 6 years in the National Guard or Reserves. Eligibility is determined by the VA and confirmed through a Certificate of Eligibility (COE).
How do I obtain a Certificate of Eligibility (COE)?
You can obtain your Certificate of Eligibility (COE) through the VA eBenefits portal, by mail using VA Form 26-1880, or through GetTheMortgage.com. Our mortgage professionals can help you obtain your COE directly from the VA as part of our service to veterans.
What is the VA funding fee?
The VA funding fee is a one-time payment that helps offset the cost of the VA loan program to taxpayers. The fee varies based on your type of service, down payment amount, and whether it's your first VA loan. The fee can range from 1.4% to 3.6% of the loan amount. Veterans with service-connected disabilities and certain surviving spouses may be exempt from paying the funding fee.
Does GetTheMortgage.com charge lender fees on VA loans?
No. GetTheMortgage.com understands the sacrifice you have made for our country and does not charge lender fees on VA loans. This is just one way we show our appreciation for your service.
Can I use my VA loan benefit more than once?
Yes, you can use your VA loan benefit multiple times. If you've paid off your previous VA loan and sold the property, you can have your full entitlement restored to purchase another home. In some cases, you may even be able to have multiple VA loans at the same time if you have remaining entitlement available.
Ready to Serve Those Who Served
You served our country. Let GetTheMortgage.com serve you. Our mortgage professionals are ready to help you navigate the VA loan process.
All loans subject to credit and property approval. Rates, fees, and terms are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply. First Community Mortgage, Inc. NMLS# 629700 | Mariana Rawlins, VP/Branch Manager, NMLS# 1873354 | Equal Housing Lender.