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VA home loans

At Integrity Mortgage.

What Is a VA Home Loan?

It’s a loan provided by a participating lender like Integrity Mortgage Co and it is guaranteed by the U.S. Department of Veterans Affairs (VA). This guarantee means we’re able to offer you more favorable terms on a home loan or refinance. You don’t need to be a first-time homebuyer, and you can reuse the benefit. Your certificate of eligibility will expedite your process.  If you don’t have one, we can assist you very easily.

What Are My Benefits?

The VA offers a few home purchase and refinance programs depending on your needs. In general, these programs can help you purchase a home with a competitive interest rate and often without requiring a down payment (as long as the sales price doesn’t exceed the appraised value) or private mortgage insurance. The VA also offers programs that let you refinance an existing VA home loan or take cash out of your home’s equity.

Other Benefits Include:

  • Up to 100% financing is available with no mortgage insurance.
  • No appraisal needed on VA Streamline Refinance loans.
  • VA rules limit your closing costs.
  • Closing costs may be paid by the seller.
  • You can’t be charged a penalty fee if you pay off the loan early.
  • If you have trouble making payments, the VA may be able to help.
  • Surviving spouses of deceased veterans may also be eligible. Contact us for details.
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