Veterans OwnMortgage
Veterans Own Mortgage
Expert articles, guides, and resources to help Veterans understand VA loans and make informed homeownership decisions.
VA Loan Basics
VA loan funding fees are 2.15% for first-time users and 3.3% for subsequent users. The fee can be rolled into your loan amount and reduced with down payments: 1.5% with 5% down, 1.25% with 10% down. Veterans with disability compensation are exempt.
Read More →VA Loan Basics
Discover how veterans can use their VA loan benefit more than once. You can have multiple VA loans at the same time under certain circumstances, and your benefit can be restored after paying off a previous VA loan.
Read More →Buying A Home
Discover the surprising truth about VA loan down payments that many veterans don't know: you can literally buy a house with no money down and no monthly mortgage insurance. Unlike conventional loans, VA loans offer 100% financing with better terms.
Read More →Credit & Qualification
Discover how veterans with credit scores as low as 580 can still qualify for VA loans when working with the right lender, even if other mortgage companies have turned them down due to bankruptcies, foreclosures, or credit challenges.
Read More →VA Loan Basics
Are common myths about VA loans preventing you from taking advantage of one of the military's most valuable homebuying benefits? We debunk the five most common misconceptions Veterans have about VA loans.
Read More →Eligibility
Discover if you qualify for VA loan benefits with this guide covering eligibility requirements for active duty, veterans, Guard or Reserve members, and surviving spouses. Learn about service time requirements, discharge status, and how to get your Certificate of Eligibility.
Read More →Strategy & Tips
Learn proven strategies to maximize your VA home loan benefits and save thousands of dollars. Discover how to leverage no down payment options, avoid PMI, use IRRRL refinancing, and build long-term wealth through smart real estate decisions.
Read More →VA Loan Basics
Don't let misconceptions stop you from using your VA loan benefits. Learn the truth about credit requirements, benefit reusability, closing times, and down payments. Get clear, factual information that empowers Veterans and active-duty service members.
Read More →Buying A Home
Navigate the VA home loan process with confidence using this simplified step-by-step guide. From checking eligibility and getting your Certificate of Eligibility to closing on your dream home, learn what Veterans need to know.
Read More →Costs & Fees
The VA loan origination fee is a charge from the lender for processing your loan. Learn what's included, how much you can expect to pay, and how it compares to origination fees on conventional and FHA loans.
Read More →Costs & Fees
The VA funding fee helps keep the VA loan program running for future generations of Veterans. Learn the current fee amounts, who is exempt, and how you can finance the fee into your loan to reduce out-of-pocket costs.
Read More →Credit & Qualification
Employment is an important factor in VA loan approval, but it's not the only one. Learn about alternative income sources that VA lenders may consider, including disability compensation, retirement income, and asset-based qualification.
Read More →Have Questions? Call Us
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