- You meet the minimum active service requirements (vary by active-duty dates, wartime & peacetime periods).
- You are the spouse of an American Veteran and meet the requirements.
Let's explore your options with
VA Home Loans
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!
Principal & Interest (P&I)
$
Taxes & HOA
$
Homeowners Insurance
$
VA Funding Fee
$
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
Principal vs. Interest
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)
You may be VA Home Loan Eligible if:
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.
