VA Loans vs. Other Loans

It's true that VA Loans are an easy way for Veterans to save money when financing a home loan. When compared to conventional loans, VA Loans offer excellent loan rates and require no monthly mortgage insurance. It is also much easier to qualify for a VA Loan than a conventional loan. All Veterans who are looking to purchase a home should exercise their VA Benefits with a VA Loan.

Veteran Loans require zero money down when purchasing a home and are currently guaranteed for loan amounts up to $729,000. And, if you have bad credit, VA Loans can actually save you money by offering you a lower loan rate when compared to conventional lending instruments.

Interest Rate Choices

Veterans now have their choice of either an adjustable rate or a fixed rate VA Mortgage. Fixed rate loans allow you to borrow a set amount of money over a set time period at a single interest rate. Adjustable rate mortgages, or ARM's, allow you to adjust your interest rates after a given time period (usually 3 years) if it is more favorable to do so.

To start taking advantage of all of the benefits VA Loans have to offer, you may start the pre-qualification process without a credit check. Just start the short form below.

Get Started With Your VA Loan Request

Take the first step in your VA Loan by getting in touch with a VA Specialist.
No obligation. It takes 2 minutes.

Funding Fees

Depending on your Veteran status, the funding fee required by the Department of Veteran Affairs varies between 0 - 3.3 percent of the total amount of the Veteran Loan. Veterans who were disabled 10% or more during active duty are not required to pay the funding fee. With a VA Loan, it is even possible to receive a loan for 100% of your home purchase and still have no monthly mortgage insurance.

VA vs Conventional Loans
  Conventional Loan VA Loan
No down payment   yes
No monthly mortgage insurance   yes
No prepayment penalty yes yes
Benefits exclusive to Military   yes
First-time home buying yes yes
Help from the VA Specialists   yes


Certificate of Eligibility

To qualify for a VA Loan, you will need a Certificate of Eligibility. You can obtain VA Form 26-1880 for FREE from VA Mortgage Center.com by visiting our VA Certificate of Eligibility page. Once you have completed this simple form, our VA Loan Specialists can begin the process of helping you obtain your VA Home Loan.

VA Home Loan Specialist

If you have questions, or if you want to determine if a Veteran Home Loan is actually the best financial decision for you, you may get advice from a VA Mortgage Specialist online or call 800-405-6682.

VA Home Purchase VA Refinance
Your loan request will only take two minutes to complete! two minutes
family home

What Our Customers Say

"After finding the perfect house and the perfect price, we contacted VA Mortgage Center.com who provided great service and exceeded our mortgage expectations."

Sgt. Michael Van Geertruy
PMP CACI

We want to help more people like Michael. Let us start helping you today!

We are a VA approved lender, not a government agency.