VA Mortgage Loans
VA loans offer special mortgage terms to qualified veterans, active duty service members, and their spouses. Guaranteed by the U.S. Department of Veterans Affairs (VA), these loans have flexible qualifying criteria and generally do not require a down payment.
Additional Benefits of the VA Loan Program
- No private mortgage insurance requirement
- 100% financing up to the VA lending limit in your area *
- Borrow up to $1.5 million with a VA Jumbo Loan **
- Right to prepay loan without penalties
- Closing costs comparable – and sometimes lower – than other financing types
- Mortgage can be taken over (or “assumed”) by the buyer when a home is sold. (Must be VA eligible)
- Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan
Take It From Our Customers
Our experience started off great, getting pre-approved, etc. However, going VA was a slow process in obtaining the necessary forms to receive the final approval. Bruce and his team never stopped processing our loan while waiting for the VA forms. They were very patient. After receiving the necessary VA forms, Regan went out of her way to ensure we could go to settlement on April 28. Buying a home can be a huge, stressful decision, however Bruce and his team were always very professional while keeping us calm.
- Robert H.
I had the pleasure of working with Phil Denfeld and his team. They were very attentive and answered all of our questions. I was extremely impressed with Phil when an issue did arise concerning my VA loan. He personally worked with his staff to make sure the process continued and resolved the issue and we were able to close on schedule. I will be referring Phil and the entire First Heritage team to everyone I know.
- Wah Sun S.
I gave Whitney the highest possible marks in all phases, not to be nice, but because she earned them. She led us through what I considered to be a MAZE of requirements, questions that baffled me, and some that out right frustrated me from the Underwriters. She was patient and thoroughly understood and was empathetic to my frustrations and feelings. Would I recommend her, you bet, to VA or any other home loan seekers. If we ever for whatever reasons go through this process again, she will be the first person we contact.
- Phillip C.
Scott Kinne and his team at First Heritage Mortgage are top-notch. From pre-approval to closing day, they made the transaction of purchasing our first home so seamless. We used the VA loan and Scott never made us feel inferior or steered us away from this. He offered many different loan options and scenarios and was always clear on the closing costs and monthly mortgage payments. His team clearly communicated about documents needed and where we were in the loan process. He also advocated for us, which was a huge asset for us when we put in an offer on a home. He called the listing agent right after we submitted our offer and reassured her that our finances were solid and that we would get approved for the offer amount. When interest amounts were rising, he called us right away to make sure we locked in a rate. In addition, when the VA appraiser took longer than 10 days to upload the appraisal, Scott was on top of it and made sure that the appraisal was uploaded in time for closing. Between the appraisal and closing, he had one day to underwrite the loan and he did it! Wow. We could not have asked for a better experience in purchasing our first home and we highly recommend Scott Kinne and his team at First Heritage Mortgage
- Grace K.
As Sergeant Major in the U.S. Army, my first thought was to start the mortgage process with a bank that I had previously used, and is well known for working with the military. Thank God I did not! My experience with First Heritage was far superior than my previous mortgage experiences with military friendly banks. Everything is streamlined, and First Heritage makes you feel like you are their only customer. I could reach my loan officer around the clock and he even would respond to text messages after office hours when I needed additional information. I was completely blown away by the professionalism and attentiveness of everyone who facilitated the loan process. I never felt like I was in the dark or like my file was being neglected. First Heritage puts people first and the customer service that I received was simply amazing!!
- Sergeant Major
Ready to Get Started
Talk to an Expert
Work with our team of military lending specialists to determine your eligibility and learn more about how a VA Loan can work for you.
* VA loans require a non-refundable VA funding fee at closing. Maximum VA loan amounts vary by county. Talk to a First Heritage Mortgage loan officer about specific fees and loan limits that apply to you.
** Eligible borrowers using a VA Jumbo Loan are required to pay 25% of the difference between the sales price of the home and the applicable VA loan limit as a down payment. Talk to a First Heritage Mortgage loan officer to learn more.