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Our VA Home Loan Specialists are here when you’re ready!

No Sales. No Pressure. No Obligation.

We Specialize in VA Mortgages. We are here to help you with your VA Home Loan benefits. Our team is built of educated and devoted VA home loan specialists dedicated to quality service. We are proud to work for the men and women who served in the armed forces. Nobody should feel like just a number when taking such an important step in their lives.

Check to see what you qualify for today!

Check out what your monthly payment could be by using our VA Mortgage Calculator…

Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!

  • Purchase Loan
  • Interest Rate Reduction Refinance
  • Cash Out Refinance
$
$50,000 $2 Million
$
$0 $1 Million
$
$50,000 $2 Million
$
%
0% 80%
Loan Term
%
0% 20%
Credit Score
  • Active/Veteran
  • National Guard/Reserve
  • Surviving Spouse
VA Specifics
Advanced (optional)
$
%
0% 5%
$
%
0% 15%
$ /month
Principal & Interest (P&I)
$
Taxes & HOA
$
Homeowners Insurance
$
VA Funding Fee
$
Loan Totals:
Purchase Price $
Down Payment $
VA Funding Fee $
Total Loan Amount $
Estimated Taxes & Insurance Property taxes are generally estimated to be 1.2% of the home's value, but may vary based on your location. Annual homeowners insurance is roughly 0.35% of the home's value but can change based on insurer. Your loan specialist can help you determine property tax and insurance rates in your area.
VA Funding Fee The VA Funding Fee is paid to the VA to help fund the program and varies depending on type of service, loan amount, down payment and subsequent VA Loan usage. This fee can be paid in cash at closing, but most borrowers choose to roll this cost into their monthly payments. The VA Funding Fee is waived for Veterans entitled to VA compensation for a service-connected disability and surviving spouses of Veterans who died in service or as a result of a service-connected disability.
Amount Financed Purchase Price (-) Down Payment (+) VA Funding Fee.
Estimated Payment $ /mo

Loan amount
$
VA Funding fee
$
VA Funding fee percentage
Down payment
$
Interest rate
Loan term
Taxes & insurance included?
Property tax
Homeowner's insurance
$
HOA dues
$
Payment Breakdown

Amortization Schedule Breakdown

Our detailed amortization schedule breaks down your mortgage payments, showing how they are split between interest and principal over the life of your loan. Note: The actual monthly payment may be higher than what is shown here, as this schedule does not account for variable costs such as property taxes and home insurance, which are often included in your total mortgage payment.
  • Principal payments: $$240,000 (the amount borrowed)
  • Interest payments: $$297,554 (the cost of borrowing)

VA Loan First-Time Home Buying

Buying your first home with a VA Loan? We offer the guidance you need to get started.

VA Loan Walkthrough Guide

Get educated! Learn exactly what occurs in every step throughout the VA Loan mortgage process.

VA Home Loan Calculator

How much can you afford with a VA Loan? What does that monthly payment look like? Find out here.

Today’s VA Rates

Want to see exactly what today's rates are for VA Loans? Click here!

You may be VA Home Loan Eligible if:

  1. You meet the minimum active service requirements (vary by active-duty dates, wartime & peacetime periods).
  2. You are the spouse of an American Veteran and meet the requirements.

To obtain a Certificate Of Eligibility, you must have been discharged under conditions other than dishonorable and meet the service requirements. Our VA home loan Minnesota specialists can help you obtain your Certificate of Eligibility as we go through your VA Home Loan process together.

VA Home Loan Benefits:

  • $0 Downpayment Option – No downpayment is required for a VA Mortgage.
  • Lower Monthly Payments – Competitive rates and no mortgage insurance bring your monthly costs down.
  • Getting Qualified can be Easier – Qualification guidelines are more flexible than traditional mortgage products.
  • Getting Started is Easy – VA home loan specialists are available to step you through the process, NO OBLIGATION.

A VA Mortgage is one of the most popular paths to becoming a homeowner. The cost savings can be substantial – A program designed specifically to benefit the American military.

Working with Refined Lending:

  • Proudly approved to offer VA loans – The Department of Affairs has a strict process required for lending offices offering VA loans.
  • Your Experience – We want you to have a positive experience during this exciting time of your life!
  • Our Processes – Our actual loan processes are easy and efficient.
  • Our Philosophy – It’s simple. You’ve been there for us. Now we want to be there for you.

We are staffed with VA home loan specialists who take pride in making your home purchase as smooth as possible because you deserve it.

VA Home Loan Benefits Include:

Purchase your home with 0% down

That’s right! You can purchase or refinance at 100% of the home’s value!

01

No monthly mortgage insurance

VA Loans don’t require mortgage insurance no matter how much deposit you put down!

02

Credit scores as low as 560

This means it’s possible you will be approved with less than stellar credit!

03

Why work with us?

We truly care about what is best for you! From pre-approval to closing, our goal is to provide you with the best service while saving you money. We provide a completely customized experience, and will find the right loan program and best terms for you.

The most important part of our success is our clients and real estate agents who trust us every day to educate and advocate for them in the mortgage process. We have multiple loan products, giving our clients more options, competitive rates, and low fees. We are passionate about providing great customer service.

Top Mortgage Rates
Mortgage Home Loan

How the VA Loan process works

1

Documentation

There are a few critical documents we will need to verify to start your process.
2

Appraisal

The appraisal insures the home you are buying is worth the price that is being offered.
3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.
4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.
5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.
6

Closing

Signing the final documentation and receiving the keys to your new home!

$0 Down VA Home Loans:
Are you a Veteran?

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