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Freestone Mortgage

VA Loans

Updated: Nov 15



What is a VA Mortgage Loan?

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Do I Qualify for a VA Mortgage Loan?

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Are There Additional Qualifications for a VA Mortgage Loan?

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Benefits of a VA Mortgage Loan

  • No down payment required

  • No mortgage insurance (MI)

  • No appraisal needed on certain refinance loans

  • Closing costs limited and may be paid by the seller

  • No penalty fee if you pay off the loan early

  • Assistance available if you have trouble making payments

  • Surviving spouses may be eligible

Understanding the VA Funding Fee

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You can use your VA loan to finance a home you personally occupy or will occupy within 60 days of closing.

Eligible properties are:

  • Single family residences

  • 2-4 unit properties

  • VA-approved condos

  • Manufactured housing

How Do I Apply for a VA Mortgage Loan?

  • Contact a loan originator

  • Confirm you meet VA home loan requirements

  • Obtain a valid Certificate of Eligibility (COE)

  • Apply for loan pre-approval

  • Gather supporting documents

  • Find a home with your real estate agent

  • Complete your loan application and begin closing steps

VA Mortgage Loan Types

While there are several types of VA home loans, the three most common are:

Purchase

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Cash-Out Refinance

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IRRRL

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If you're interested in learning more about other VA loans, contact us.



The information provided in this blog post is for general informational purposes only and does not constitute professional financial advice. Freestone Mortgage LLC makes no representations or warranties about the accuracy, completeness, or suitability of this information for your specific situation. Mortgage refinancing options and outcomes can vary greatly depending on individual circumstances, market conditions, and regulatory changes. Before making any decisions regarding mortgage refinancing, you should consult with a qualified financial advisor or mortgage professional to obtain personalized advice. Freestone Mortgage LLC is not liable for any losses or damages arising from the use or reliance on the information provided in this blog post. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction


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