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Click here to see our all new “Guide to VA Home Mortgage Loans” and find out how to get a FREE Credit Report! First Name: Last Name: Day Phone: Eve Phone: E-Mail: Loan Purpose: New Home Refinance Debt Consolidation Reverse Mortgage Your Question or Comments: Once you have completed this expression of interest or application your information will be sent to Mortgage Funding US. A representative from Mortgage Funding US may contact you by telephone or email. By submitting your expression of interest you are consenting to receive telephone calls or email from Mortgage Funding US.

Mortgage Funding US Salutes the brave women and men who defend our freedom!

Mortgage Funding US always provides great lending service but we go above the call of duty to secure VA loans for the men and women who defend our freedom with great VA loan programs and VA mortgage rates guaranteed by the Veterans Administration.

The VA loan program began in 1944 when the servicemen's readjustment act, also known as the GI Bill was signed into law by President Roosevelt. The GI Bill of Rights provides veterans with a federally guaranteed home loan with no down payment. This feature was designed to provide affordable housing for veterans and their families. To this day, the Veterans Administration continues to provide this program and the dream of home ownership to those that defend our freedom.

Guaranteed VA loans

 A VA guaranteed loan is made by a private lender Example’s are: Banks, savings and loans, or mortgage companies.  These loans are made to eligible veterans for the purchase of a home which will be for their own occupancy. The VA does not lend the money or service the loan. The Veterans Administration guarantees a portion of the loan to the lender.

Benefits of a VA Home Loan

• Equal opportunity for all qualified veterans to obtain a VA loan
• No down payment
• Buyer informed of reasonable value
• Negotiable interest rates
• The funding fee is included in the loan amount
• Closing costs are also comparable to other financing programs
• No mortgage insurance
• VA loans are assumable
• No pre-pay penalties
• Homes are thoroughly inspected by VA
• VA assistance to veteran borrowers in default due to temporary financial challenges

The more you know about the VA home loan program, the more you will realize how little "red tape" there really is in obtaining a VA loan. These loans are often made without any down-payment at all, and frequently offer lower interest rates than those available with conventional loans.  Aside from the veteran's certificate of eligibility and the VA assigned appraisal (arranged by Mortgage Funding US, LLC.), the application process is not much different than any other type of mortgage loan.  And,… if the lender is approved for automatic processing, as more and more lenders are now, a buyer's loan can be processed and closed by the lender without waiting for VA's approval of the credit application.

Note: It is a common misunderstanding that the Veterans Administration (VA) issues home mortgage loans. Instead, the VA guarantees loans made by approved lenders like Mortgage Funding US. These guaranteed loans are called “VA loans”. GIRefi.com was started to assist our veterans and their families in finding information on VA mortgage loans.  One of the most important benefits you receive from Uncle Sam for serving our country is the opportunity to take advantage of a VA home mortgage. Mortgage Funding US is honored to help our veterans and those currently in the military to understand this important benefit. Mike Heitzman, our VA loan professional,has dedicated himself to understanding the VA loan process. He is a mortgage professional who understands the VA loan process from top to bottom. Mike can help you decide if a VA mortgage home loan is the right loan for you and your family.

Our fiend Robert Maples, M.P., on duty in Iraq.