Port St Lucie VA Home Loan Mortgage (772) 340-4003 - VA Home Loan and VA Mortgage Rate Information for Military Veterans in Port St Lucie
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VA Home Loan

What is a VA Home Loan?

 

mortgage - military veteran couple using VA Home Loan to get dream home

 

The VA Home Loan or Veterans Affairs Home Loan is a specific loan program to help veterans, active-duty service members and their families purchase a home. Authorized by the US Department of Veterans’ Affairs, this loan option allows military families to qualify for a VA loan with fewer restrictions and little-to-no money down.

 

Do I Qualify For a VA Home Loan?

 

While there are far less restrictions for qualifying for a VA Home Loan in comparison to other loan options, there still are a few stipulations. To decide if you will qualify for a VA Loan, ask yourself these three questions:

 

  1. Are you a current or ex military personnel, or a surviving spouse of one?
  2. Do you have no past record of loan defaults within the last 12 months?
  3. Have you not declared bankruptcy within the last two years?

 

If you answered “yes” to all three of these questions, chances are that you qualify for a VA Loan. Contact one of our home purchase experts at 1-800-710-9957 or apply online to get started.

 

Why Should I Get A VA Home Loan?

 

VA Home Loans are fully backed by the government, and offer a variety of advantages for your home purchase or mortgage refinance. Here are some advantages of VA Loans:

 

  • No Money Down
    With a VA Loan, you don’t have to include a down payment if you can’t afford to, unlike conventional loans which typically require at least 10-20% down.
  • No Private Mortgage Insurance (PMI)
    Typically, private mortgage insurance (or PMI) normally adds 0.2-0.9% of expenses to your monthly mortgage payments when you put less than 20% down. With a VA loan, you’re not required to have PMI, saving you more money on your home loan.
  • Fewer Restrictions
    As we mentioned above, a VA Home Loan comes with fewer restrictions, making it easier for you to qualify for one. With a VA Loan, you’re allowed a higher debt-to-income ratio and have more leniency with your credit score.
  • Easy Refinance
    Due to the VA Streamline Refinance Loan Program, you are able to refinance your VA Home Loan to a lower rate with less funding fees than a regular refinance.

 

How Do I Prove to that I’m Eligible?

 

You’ll need a Certificate of Eligibility before you can get a VA Loan.

 

Locate your DD-214 (or NGB22/23 – or your statement of service if still active duty) and give us a call.

 

We can help you!

 

More Information about a VA Home Loan

 

Mortgage Masters Group
VA Home Loan FAQs

 

US Department of Veterans Affairs – VA.gov
VA Home Loans

CALL NOW 772-340-4003

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