VA Mortgage Loans - The Ultimate Zero Down Payment
Take advantage of VA mortgage loans, zero down payment home loans for active military and veterans.
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Listening to the news? You probably think buying a house without a down payment is impossible.
Think again. If you are a veteran or active military, you can buy a home with nothing down. Any participating mortgage lender can assist.
10 Benefits Of VA Mortgage Loans
- No down payment required
- Refinancing and buying a house
- Negotiable VA mortgage rates
- $417,000 loan amounts*
- No prepayment penalty
- Fixed and adjustable mortgage rates**
- Easier credit qualification
- No mortgage insurance
- VA funding fee financed
- Certificate of eligibility obtained by lender
*VA mortgage loans do not have a maximum loan amount. However, lenders generally limit loans to the VA limit for the county where the property is located. With a down payment, loans may exceed these amounts. For more information about increased limits for VA mortgage loans and how it could affect down payment, check with your VA mortgage originator.
**Adjustable VA mortgage rates not always available.
VA Funding Fee And VA Mortgage Rates
A common concern among active military and veterans addresses the VA Funding Fee. Is it a duplication of loan fees hidden in mortgage closing costs?
The answer is no. It is paid directly to VA to offset expenses related to VA mortgage loans. However you should always feel free to question unfamiliar mortgage closing costs as you review your good faith estimate. Also keep in mind VA mortgage rates are negotiable.
Veteran's Certificate Of Eligibility
Veterans want to know the easiest way to obtain a certificate of eligibility. Years ago a form was filled out, mailed (long before we called it snail mail) and then anxiously awaited by all for a response from the Veterans Administration.
Now thanks to ACE (automated certificate of eligibility), this coveted piece of information is available in a minute or two in most instances.
Valuable Resources For Active Military And Veterans
VA AND HARP - How to compare a VA loan to the HARP program.
VA Mortgage Loans - Zero down payment home loans for active military and veterans.
Be sure to look into the 30 year fixed rate mortgage - a popular program with VA mortgage loan.
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VA Mortgage Loans - Zero down payment home loans for active military and veterans.
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VA home loans - Check out zero down financing options for active military and veterans.