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.
Our loan officer, David J. Bridges, and the entire First Heritage team provided unparalleled support and expertise. We initially were looking at purchasing a property using our VA benefits through USAA, but the transaction fell through due to VA inspections. We were unhappy with the customer support and timeliness of responses provided by USAA and decided to consider other options. We were referred to First Heritage from other satisfied veterans; and honestly we felt like David and his team wanted to help us buy a house, opposed to sell us a loan. This was evident from the beginning and consistent throughout the process. David J. was professional, honest and patient, as I had numerous questions at all hours of the day. In the end, I highly recommend David J. and the First Heritage team!
- David L. Jr.
My husband and I used Ryan twice, and each time his service and attention to us was exceptional. Our situation was unique. We purchased our home approximately six months before we got married. We were both first time home buyers and could not use my husband’s VA benefits since we weren’t married at the time. Ryan explained all our options in detail so we were able to choose the best option for us. We were so pleased with his service that we contacted him again a year later to refinance our home to make use of my husband’s VA benefits. My husband and I appreciated all of Ryan’s support during each process.
- Tracy A.
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.
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.