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What are VA Loans?

Veterans Affairs (VA) home loans are mortgages that are guaranteed by the U.S. Department of Veterans Affairs.   VA loans became available in 1944 as part of the Serviceman’s Readjustment act, also known as the GI Bill. Qualifying veterans can purchase a home without putting any money down through the VA home loan program. Borrowers must obtain a VA Loan through a participating private lender. The VA insures a portion of the mortgage which allows lenders to offer more favorable rates and terms to veterans who qualify.


Where do I start?

Find a lender that you can trust with experience in VA loans.  Ask friends, family and colleagues for recommendations from lenders that have helped them in the past.  Check online reviews and ratings from the Better Business Bureau to ensure you’re working with a qualified lender.  It’s also convenient to work with a lender in your neighborhood, making it easy for you to meet with a loan officer and get personalized service.

Get prequalified for a VA loan.  If you haven’t already, contact a trusted lender to complete a loan application and get prequalified.  This gives you an advantage when shopping for homes and will help the process move along smoothly and efficiently.

Shop for your dream home.  Work with a real estate agent to find the home that’s perfect for you.  If you don’t already have an agent, your lender may be able to refer you to an experienced partner.

Make it official!  Your lender will walk you through the loan process, answering your questions along the way.  Soon you’ll be holding the keys to your new home!

I’m Ready!

Contact First Ohio Home Finance today

to get started on your VA loan.

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