VA Home Loan Learning Center

 

benefits

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benefits

  1. No or low down payment

  2. 100% Financing

  3. No PMI required

  4. Low credit scores accepted

  5. Flexible borrower requirements

  6. Seller can pay up to 6% of closing costs

  7. Refinancing is easy with the VA’s streamlined refinancing

  8. Typically the lowest interest rates available

  9. Can choose between 15 or 30 year fixed-rate or adjustable home loan

  10. Higher DTI ratios accepted

  11. The VA will negotiate on your behalf with the lender if you are facing foreclosure

  12. VA Home Loans are assumable

You can also contact GI Joe Homes for help or questions regarding the VA home loan by calling 1-650-400-7330.

 

GI Joe Homes is open seven days a week, from 8:00am to 6:00pm PST.

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

Construction & Valuation

CVGC.VBAPHO@va.gov

Loan Production
LPGC.VBAPHO@va.gov

General Inquiries

LSCGC.VBAPHO@va.gov

Denver

Physical Address

VA Regional Loan Center

155 Van Gordon Street
Lakewood, CO 80228

Mailing Address
Box 25126
Denver, CO 80225

Construction & Valuation
39VA262.VBADEN@va.gov

 

Loan Production

LGYEMAIL@va.gov

St. Paul

Physical & Mailing Address
Dept. of Veterans Affairs
VA Regional Loan Center
1 Federal Drive,
Ft. Snelling
St. Paul, MN 55111-4050

Construction & Valuation
Email: CV335@va.gov

 

Loan Production
Email: RLC335@va.gov

 

General Inquiries

rlc.vbaspl@va.gov

down payment

  • 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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low interest rates

flexible loan terms

higher dti ratios okay

foreclosure assistance

va loans are assumable