VA Home Loan Learning Center
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benefits
benefits
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No or low down payment
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100% Financing
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No PMI required
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Low credit scores accepted
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Flexible borrower requirements
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Seller can pay up to 6% of closing costs
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Refinancing is easy with the VA’s streamlined refinancing
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Typically the lowest interest rates available
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Can choose between 15 or 30 year fixed-rate or adjustable home loan
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Higher DTI ratios accepted
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The VA will negotiate on your behalf with the lender if you are facing foreclosure
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VA Home Loans are assumable
Beginning January 1, 2020, the VA completely eliminated the county cap on VA-backed, no-down-payment loans
Phoenix
Physical & Mailing Address
Dept. of Veterans Affairs
VA Regional Loan Center
3333 N. Central Avenue
Phoenix, AZ 85012-2402
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Construction & Valuation
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Loan Production
LPGC.VBAPHO@va.gov
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General Inquiries
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Denver
Physical Address
VA Regional Loan Center
155 Van Gordon Street
Lakewood, CO 80228
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Mailing Address
Box 25126
Denver, CO 80225
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Construction & Valuation
39VA262.VBADEN@va.gov
Loan Production
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St. Paul
Physical & Mailing Address
Dept. of Veterans Affairs
VA Regional Loan Center
1 Federal Drive,
Ft. Snelling
St. Paul, MN 55111-4050
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Construction & Valuation
Email: CV335@va.gov
Loan Production
Email: RLC335@va.gov
General Inquiries
down payment
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No down payment as long as the sales price isn’t higher than the home’s appraised value (the value set for the home after an expert reviews the property).
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100% financing
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no pmi requirement
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lower credit scores ok
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flexible borrower requirements
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closing costs
streamlined refinancing
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