VA Loans in West Virginia

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Review from a Veteran

Kelly and her team are amazing and worked very hard for us with several complications with buying in Coconino County and being a Veteran. She has closed 3 loans for us and each one has been a great experience. I love her honesty, her direct communication, her solution finding attitude and her the professionalism that she and her team have with every step of the process. She keeps great communication and is always available for questions and problem solving. This made our process easier and I would recommend Kelly and her team to any one who is looking for a mortgage. She thinks outside the box with loans that have complications. She has been up for any challenge we came across to get our loan closed. Her entire team is amazing and working with Karen with our VA loan was a bonus with her professionalism and positive attitude.

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VA Home Loan Refinancing Options

VA Streamline (IRRRL) Refinance

An Interest Rate Reduction Refinance Loan (IRRRL), normally referred to as a "Streamline" refinance, is a great option for VA Home Loan holders who seek to take advantage of today's lower interests and increased savings.

Cash-Out VA Refinance

If you are looking for an option to access cash for home improvements, emergencies, or simply to consolidate debt, then a "Cash-Out" VA refinance may be a great option for you. Contact us today for more information.

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The Kelly Zitlow Group lends in 43 states across the country. Please reach out to us to see if we can assist in your hometown! We would love the opportunity to bring our 100+ years of combined experience to provide you with an honest, well-communicated, and knowledge-based lending experience.

The VA Home Loan Program for Veterans

The VA Home Loan Program is a great program for active duty military, veterans, guards, reservists, and their families. The program was created to honor those currently serving in the military and veterans that have served.

As part of the GI Bill, the VA created a special mortgage program that can minimize down payments, lower closing costs, and help those currently serving to achieve the dream of home ownership.

VA loans in West Virginia are one of the great benefits of service. One of the primary benefits of a VA home loan is that, in most cases, a down payment isn’t required.

It is the only home loan program in the country without a required down payment or private mortgage insurance, so it's a great program for first-time buyers. VA allows Veterans to pay up to 1% of their loan amount toward VA non-allowable fees.

Individual interest rates for VA Loans in West Virginia are dependent on your personal situation.

VA Interest Rates are affected by things such as credit scores, the value of the home, how much your down payment is, and so on.

For eligible veterans and their families in West Virginia, the VA home loan is a truly great financing option and one to explore with an experienced mortgage professional.

VA Frequently Asked Questions

Who qualifies for VA Loan in West Virginia eligibility?

Eligible veterans and their spouses include the following:

  • Active Duty Personnel of the Air Force, Army, Navy, and Marines.
  • Veterans of the Air Force, Army, Navy, and Marines.
  • Reservists and National Guard Members.
  • Surviving spouses of Veterans who died on active duty or died as a result of service-connected disabilities.
  • Certain spouses of active duty personnel who are;
    • Missing in Action.
    • Captured in the line of duty by hostile forces.
    • Forcibly detained by a foreign government or power.

What are my VA Loan Benefits?

  • What can I expect? To qualify for a V.A. loan, applicants are required to have 'credible credit.’ During the application process, Underwriters will review 2 years of Federal income tax returns with W2s, 30 days of most recent pay stubs, and current bank statements.
  • Where do I check my VA benefits? A VA mortgage lender can usually access the benefits from the VA Eligibility Center at 1-877-827-3702 to request their Certificate of Eligibility.
  • Can I use my VA benefits more than once? YES, if you meet the criteria. Your certificate of eligibility dictates the benefit amount.

What types of VA Loans in West Virginia are available?

  • VA Loans in West Virginia are for purchasing a home, condo, or manufactured home. You can finance up to 100% of the loan amount with no mortgage insurance required. These are great options if you have little to put down on your purchase.
  • VA Jumbo loans are available in West Virginia.
  • VA Condo loans in West Virginia are available on VA-approved condo projects only.

The next steps in getting a VA Loan in West Virginia

  • Do you want a VA loan in West Virginia? Then contact us right away! We are an experienced and qualified VA Home Loan Lender. We can assist with each step of the process.
  • We can help you in checking your VA Benefits eligibility, and we can also get you the benefits.
  • Gather your necessary documentation like 2 years' tax returns with W2s, 30 days' most recent pay stubs, and current bank statements for a new VA loan in West Virginia.

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