VA Loans

You’ve Served Your Country, VA Loans are a Benefit You’ve Earned.

VA loans provide fixed, competitive rates with 15 or 30-year terms. Qualification is easier, even with less-than-perfect credit. Unlike other loans, you can refinance up to 100% of your home or purchase with no down payment, and there’s never a monthly insurance (PMI) charge with VA loans.

• Are you a veteran, member of the military, or a surviving spouse of a veteran?
• Do you want fast approval and minimal red tape?
• Are you interested in a fixed- rate mortgage?

If you answered “yes” to any of these questions, a VA loan might be right for you!

VA Loan Features

• 30 and 15 year terms available, both with fixed rates
• Jumbo VA loans available up to $1,094,625 ($1,500,000 in Alaska and Hawaii) and up to $325,000 cash-out on a refinance
• Refinance up to 100% of your primary home’s value with VA loans
• Buy a home with no money down (primary home)
• There’s no monthly PMI with a VA loan
• VA loans are governed by the U.S. Department of Veterans Affairs

How VA Loans Work

• Monthly payments on VA loans are based on interest rate, principal loan amount, and amortized interest over 30 or 15 years
• Your payment will not change throughout the life of the loan
• Your actual payment will vary based on your situation and the current interest rates when you apply
• Pay your mortgage at any time without pre-payment penalties

VA Loan Extras

• Credit scores as low as 620 qualify for VA loans

VA purchase loans - Up to 100% LTV of the purchase price

Refinance VA Loans - Lower your existing VA loans interest rate.

VA Streamline Refinance Loan - - Lower your existing VA loans interest rate.

Ogden, Utah

Hill Air Force Base