VA loans for eligible veterans, service members, and some surviving spouses — often no down payment and no monthly mortgage insurance, with the funding fee explained plainly.
Andy and Frank Hempel, Senior Loan Officer's
The Mortgage Refs
Phone: (586) 883-5994
Email: [email protected]
NMLS# 1905798
Company NMLS# 2273319
Licensed in: MI
VA loans for eligible veterans, service members, and some surviving spouses — often no down payment and no monthly mortgage insurance, with the funding fee explained plainly.
Loan programs
A VA loan is for eligible veterans, service members, and some surviving spouses. Full entitlement often means no down payment and no monthly mortgage insurance — with a one-time funding fee we’ll put on the table before you fall in love with a payment.
I served. Do I really need a down payment?
If you have full VA entitlement, $0 down is the point. No monthly mortgage insurance either.
There is a one-time funding fee unless you’re exempt. Want me to check which side you’re on?
Delivered
Zero down is real. It is also specific. Three checks come before a pre-approval letter.
One reply covers entitlement, the funding fee, and whether $0 down actually fits the payment.
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Replies 9am–6pm Eastern Standard Time, seven days a week.
Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification and property appraisal. Rates shown are illustrative, not an offer, and change without notice. VA loans require eligibility and a Certificate of Eligibility.