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VA Loans

Veteran Loans

VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if the borrower fails to repay the loan. In most cases no down payment is required and the borrower usually receives a lower interest rate than is ordinarily available with other loans.

Great advantages of the VA loan program include: no private mortgage insurance required, no pre-payment penalties, counseling and assistance is available to veteran borrowers having financial difficulty or facing default on their loan, and many others.

Although mortgage insurance is not required, VA charges an upfront funding fee to issue the guaranty. This fee is typically financed into the loan amount but may also be paid in cash by the buyer or seller. A veteran may also be exempt from this funding fee if he or she is disabled due to a service-related injury.

A VA loan can be used to refinance any type of mortgage as well as buy or build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/ caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA. Veterans can apply for a VA loan with any mortgage lender that participates in the VA home loan program.

Get Preapproved for a VA Loan today!

Just fill out the secure quote form to the right and someone from our Preapproval Team will contact you as soon as possible. It’s that simple!

Get Your Quote Today:

Please fill out the form below to receive a no-obligation quote on a home loan with Flat Branch.
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