USAVA Lending

Veterans Mortgage of America is a VA-approved lender committed to providing exceptional mortgage services to veterans, active-duty military personnel, and their families. Our mission is to honor and support those who have served our country by offering specialized home loan solutions and personalized guidance. As a veteran-owned and led mortgage company, we understand the unique needs of our military community and strive to provide the best possible service. Our team of loan professionals is well-versed in all loan types and can assist with various mortgage needs, offering unmatched expertise in VA loans.

Our VA Lending Expertise

At Veterans Mortgage of America, our expert team specializes primarily in VA loans. We have the knowledge to educate you on your options and the experience to find the best possible loan solution for you, whether you are a veteran or not. Our goal is to ensure a smooth transaction and your complete satisfaction throughout the entire loan process.

Why We Created Veterans Mortgage of America

Veterans Mortgage of America was founded by a team with diverse military backgrounds, deeply rooted in a commitment to serve those who have served our country. Our veteran owners are both combat veterans and peacetime veterans. They understand the unique challenges and needs of veterans, active service members, and their families because they are veterans themselves. We are dedicated to providing unparalleled support and assistance to veterans and first responders in achieving their homeownership dreams with the guiding principles of integrity, excellence, and community involvement.

VA Loan Advantages

• *Lower Payments:* VA Loans offer competitive interest rates and no Private Mortgage Insurance (PMI), leading to lower monthly payments.
• *Easy to Qualify:* VA Loan Programs provide opportunities to buyers who may not qualify for standard financing options.
• *No Down Payment*: VA Loan Programs are one of the only lending options that require no down payment, making it especially ideal for first-time buyers and those with relaxed credit standards.

VA Loan Eligibility

You may be eligible for a VA Loan if you meet one of the following criteria:

1. You have served 90 consecutive days of active service during wartime.

2. You have served 181 days of active service during peacetime.

3. You have more than 6 years of service in the National Guard or Reserves or have been activated for 90 days.

4. You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.

VA Loan Programs

Our loan specialists will assess your specific needs and ensure you take full advantage of the unique benefits reserved exclusively for veterans and active members of the US military. Whether your goal is to purchase a home or refinance to lower your monthly payment, our team is committed to helping you obtain an unbeatable VA loan with vigilant, caring customer service.

VA Refinancing Options

The VA Interest Rate Reduction Refinance Loan (IRRRL) is an excellent mortgage option for borrowers who want to lower their interest rate and payment by refinancing their existing VA home loan. An IRRRL is typically easier to qualify for and has almost no qualifying factors. If you are considering lowering your monthly mortgage payments and are either a veteran or active military, please give us a call today.

At Veterans Mortgage of America, we are an Equal Housing Lender and a member of the Better Business Bureau with a solid reputation of excellence. Call us today or email us to get started!