VA home loans Santa ClaritaVA Home Loans

Veterans Administration offers Vets special home loan guarantees.VA home loans Santa Clarita are made by VA lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the Santa Clarita mortgage lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required on a VA guaranteed home loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.

Other benefits the Vets of a VA loan include:

  • VA lower interest rate.
  • Closing costs comparable – and sometimes lower – than other financing types.
  • No VA mortgage insurance requirement.
  • Right to prepay VA loan without penalties
  • Mortgage can be taken over (or “assumed”) by the buyer when a home is sold.
  • Counselling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.

VA mortgage insurance is not required, the VA charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee may be paid in cash by the buyer or seller, or it may be financed in the loan amount.

VA Mortgage Rates

VA loans can be used to buy a home, build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/ caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.

We are a VA Lender and welcome Vets to apply. Veterans can apply for a VA loan with any mortgage lender that participates in the VA home loans Santa Clarita program. A Certificate of Eligibility from the VA must be presented to the lender to qualify for the loan. We can answer your questions on getting a 100% No Money Down Home loan using your VA eligibility.

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