VA home Loans offer the advantage of starting your homeownership journey with zero down payment.
With VA loans, you don't have to worry about paying extra for private mortgage insurance.
Let the seller pitch in! VA loans allow sellers to contribute up to 4% to cover your closing costs.
Lower monthly payments, or leverage your home equity with VA loan refinancing options.
How much home can you afford? Use this calculator to determine the home price and monthly housing cost you can afford.
As a veteran, you have earned the right to take advantage of the many benefits that come with a VA home loan. Our team of experts is dedicated to helping you navigate the complex world of VA loans and find the best options for your unique situation.
• Reduced or No Down Payment Options May Be Available*
• Competitive Rates
• Owner Occupied 1-4 unit Properties
• No Private Mortgage Insurance
To qualify, you need to have a Certificate of Eligibility (COE). Determine your eligibility at Eligibility Requirements for VA Home Loan Programs
If you already have a mortgage, a VA fixed rate refinance loan could help you lower your monthly payments, reduce your interest rate, or even access cash from your home's equity. We understand that refinancing your home can be a daunting task, which is why we are committed to providing you with personalized service and guidance every step of the way.
• Flexible Selections to Meet Your Borrowing Needs
• Access Your Equity with Cash Out Options
• Interest Rate Reduction Refinance Loan Program (IRRRL)
Alex's goal: to always “wow” the members by making the process convenient, simple, and fun at the same time. Alex has a passion for doing the right thing and becoming your trusted advisor.
Reah has been working in the mortgage industry for over 30 years and loves helping members achieve their dreams. When not working, Reah loves to spend time with her family and their boxer, Colt.
Paul knows that effective communication lies at the heart of every successful collaboration. You can expect timeliness, professionalism, approachability, and maybe even a little humor (if you’re lucky) when working with Paul.
With years of experience, Royal’s goal as a loan officer is to help you navigate all things mortgage related, creating an enjoyable process when it comes to one of the biggest purchases of your life.
Cinthia brings over 10 years’ experience as a Mortgage Loan Officer. She is bilingual and passionate about providing a seamless experience with helping people achieve their home buying dreams.
A VA loan, which stands for Veteran Affairs loan, is a type of veteran home loan designed specifically to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry). This program is aimed at helping veterans secure home loans for veterans with potentially better terms than what might be available through traditional financing options.
The VA loan program is a benefit of military service, offering assistance in purchasing a home with reduced or no down payment options*, no private mortgage insurance, and competitive interest rates. This initiative helps veterans and their families achieve the dream of homeownership, acknowledging their service and sacrifice for the country. It is a key resource for mortgage loans for veterans, including those looking for VA loans in Washington.
To qualify for a VA home loan, you must meet certain eligibility requirements related to your service history and duty status. Spouses of deceased Veterans may also be eligible for this benefit.
You may be eligible for a VA loan if:
Please refer to Eligibility Requirements For VA Home Loan Programs | Veterans Affairs for the most current information.
A good first step is to begin the process is to contact a mortgage loan officer.
Yes, contact a WECU VA loan specialist to understand what entitlement options you may have.
VA does not set minimum credit score requirements. WECU’s goal is to assist our heroes on their path to homeownership and recommend that you contact a WECU VA loan specialist to schedule a consultation.
No, WECU can partner with you to secure your Certificate of Eligibility (COE), which is an official VA document that confirms your eligibility. If you are concerned about your entitlement amount or prefer having the peace of mind prior to starting your application, you may obtain a copy of your COE from the benefits portal.
In choosing WECU for your VA loan, you'll partner with a knowledgeable and dependable mortgage advisor who understands the nuances of VA financing, accompanying you through every stage of the process. Call 360-756-7799 to chat with us today!
*No downpayment is required by VA unless the purchase price exceeds the reasonable value of the property, or the loan is a Graduated Payment Mortgage (GPM). The lender may require a downpayment if necessary to meet secondary market requirements.
NMLS ID 401041
WECU real estate products are available only for properties located within Washington State.
There may be additional loan options (not available online) for your specific loan type, including USDA, depending on loan amount, occupancy, number of units, loan to value and purpose. Please call us at 800-525-8703 x7390 to discuss additional options or click Team page to make an appointment with a Mortgage Advisor.
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