VA Loans St. George Utah
Zero down home loans for veterans
VA Loans Give Veterans
The Home They Fought For
Over 23 million have used their benefits since 1944.
No Money Down
Our no money down St. George, Utah VA Loans allow eligible veterans the affordable mortgage needs. With no money down you are free from the constraints of most other mortgage loan requirements.
Veterans Guarantee
The US Department of Veteran of Affairs backups and are only by approved lenders. Since the VA guarantee a part of the borrows loan against mitigation or loss this enables the lender to offer more favorable rates, fees, terms.
No PMI
Private Mortgage Insurance (PMI) is the insurance the lender charges on top of the mortgage loan to protect against any default or foreclosure on the poperty. VA loans do not require PMI, thus giving the borrow a lower monthly mortgage payment.
No Money Down
- Great and Competitive Interest Rates
- Refi with ease (Streamline Refinancing Programs Available)
- Capped Fee's
- Sustainable Home Owner Ship Active, and Retired Military.
Created in 1944, the VA Home Loan Guaranty program first helped returning WWII Veterans re-enter civilian life. Since then, over 23 million VA home loans have been approved. Today, the loans provide eligible borrowers – at any stage in life – cost-effective choices for home financing. Learn more on how a VA loan works Here
Southern Utah Veterans Only
To be eligible for the VA guaranteed home loan one must have enough income, minimal eligible credit and and valid and certificate of eligibility (CEO)
Military Services who Qualify.
- Army
- Navy
- Air Force
- Marines
- Coast Guard
- National Oceanic Atmospheric Administration (NOAA)
- Public Health Service
- Service requirements must be met before benefits are awarded.
Duration Service Requirements
- 2 years regular military
- 6 years reserve and national guard
- 90 days (active duty wartime)
- 181 days (active duty peacetime)
If you have experienced a qualifying hardship, medical release, duty related injury. It is still possible to qualify for you VA benefits.
Obtaining Your Certificate of Eligibility (COE)
The lender needs your CEO to confirm your edibility for a VA backed loan.
There are three ways to obtain a COE:
- You may apply online (e-benefits)
- Or apply through us to see your COE
Getting a VA Loan With a Prior Foreclosure
Are you a veteran who has had a foreclosure in the past on your VA loan? You think you can't use your VA loan again? Wrong. You may be able to use your VA loan again even if you have foreclosed on it. Yes, that is true. Even if you have foreclosed on a VA loan you can use another one again.
Now here's the disclaimer. You must have sufficient entitlement left over in order to purchase the new home. So let me give you an example. If a veteran, let's just say 10 years ago, foreclosed on a $100,000 VA loan, the veteran would have left over, or remaining, 353-100 to use for the next purchase. In other words, what I'm saying, veterans, is just because you've foreclosed on a VA loan does not necessarily mean that you can't use a VA home loan again in the future.
The Dream That You Fought For
Owning is the foundation of the American dream, that many veterans have fought for. There currently 18.2 million veterans in the United States According to a US census, around 79% of these veterans own homes.
Veterans No Longer Need To Rent
With little to no money down Saint George veterans can enjoy the benefits of home ownership without the stress of saving for a down payment.
The First Step
Is to get in touch with a VA approved lender and asses your mortgage availability now.
Analyzing your VA refinance.
Here are a list of things to consider when refinancing your mortgage.
- Are current interest lower than my mortgage rate is.
- I have equity in my home and to be able to access that cash.
- I would like to eliminate my monthly mortgage insurance.
- My current mortgage is an adjustable rate and would like to convert it to a VA low fixed rate
