VA Loans - About Us
Please use the links below to find out more about VA Mortgage Center.com
- Are you the VA or a government agency?
- What are the benefits of going through your company instead of my local bank?
- Do you loan the money or do you broker it to a third party?
- Do you set up my homeowner's insurance?
- Do you have any realtors we can work with who are familiar with VA Loans?
- Will you work with my real estate agent?
- Does your company also handle conventional loans?
- Was your question not answered?
Are you the VA or a government agency?
No, we are not the Department of Veterans Affairs or any other government agency. VA Mortgage Center.com is a private company specializing in VA Loans. The VA does not give loans; it guarantees the loans that we give. For more information about VA Loans, check out the General VA Loan FAQ's.
What are the benefits of going through your company instead of my local bank?
The main difference is the interest rate you will pay on your mortgage. We have wholesale rates, and banks have retail rates. This is because VA Mortgage Center.com does not have the high overhead costs associated with the most banks. High overhead costs negatively affect the rates a bank will be able to offer, while we are able to pass the savings on to you through lower rates. VA Loans are all we do, and we are experts in the process. An untrained officer may overlook the finer points of a VA Loan which could lead to problems in the future.
Do you loan the money or do you broker it to a third party?
We are a lender and a broker. We have the ability to lend you the money or to broker it out to a big-name lender. Normally, your loan will go where we can get you the lowest interest rate and the best turnaround time.
Do you set up my homeowner's insurance?
No, you are responsible for setting up your homeowner's insurance. We will need the contact information from the company that you choose to set up your escrow account to trade some information with them. We do not require you to use anyone specific for your insurance.
Do you have any realtors that we can work with who are familiar with VA Loans?
Yes, we have a database of realtors that we have worked with in the past who have good recommendations from our loan officers and borrowers. They have earned a place in our database by being familiar with the VA Loan process. If you are interested in using one of these realtors, please let your loan officer know.
Will you work with my real estate agent?
Yes, since you have the same loan officer through the entire process, he/she will be able to work with your realtor at any time. You realtor will be an important part of the VA Loan process by helping with inspections and making sure other tasks are completed in a timely fashion.
Does your company also handle conventional loans?
Yes, we do have the ability to handle conventional loans. Although we specialize in VA Loans, we realize that a VA Loan may not always be in the best interest of a borrower. In cases like this we will work to get the best possible loan to meet the borrower's needs. Contact a Loan Specialist to get started now, or find out more about your loan options.
VA Loan Specialists
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.
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