1-888-544-5626 APPLY noW

Reviews

   
 

Start Here: Get a Rate Quote!

Completely Free!

Your information is SAFE.

Get the loan program that is right for you.

Or call and talk to one of our helpful loan officers today! Get your questions answered, get a quote or get pre-approved: 1-888-544-5626

Rate Quote!

SUBMIT THIS FORM TO RECEIVE A RATE QUOTE

Please solve 2 + 3 = ? 
 

I agree to Affinity Mortgage's Privacy Policy & Terms of Service.
We respect your privacy. We will never share your information.

Benefits of a VA mortgage

Our most popular loan program… Super VA loans can be found right here.

The VA loan program — by any standard — is simply wonderful. Regardless of your mortgage needs, if you are eligible for a VA loan, you should strongly consider using this VA benefit as VA loans will typically have the lowest rate and lowest fees of any loan program.

Are you eligible?

  • Veterans: If you served for at least 90 days on active duty during war time, you are likely eligible.
  • Veterans: If you served for at least 181 days on active duty during peacetime, you are likely eligible.
  • National Guard and Reserve: If you served for at least 6 years in the Selected Service or National Guard (with an honorable discharge), you are likely eligible.
  • Detailed eligibility information can be found here: VA Home Loan Eligibility

Refinance benefits:

  • Streamline refinance (IRRRL): If you are currently in a VA loan, you can refinance with no appraisal and no income documentation. This loan lowers your rate and lowers your payment and can be closed quickly. (Note that if you reset your term, your total finance charges may be higher over the life of the loan).
  • Cash-out refinance: Payoff credit cards, consolidate debt, take cash-out for home improvements or for whatever you deem necessary.
  • Purchase: Arguably the best purchase loan available, a VA purchase loan doesn’t require a down-payment and has the most forgiving underwriting guidelines of the major purchase programs.
  • Jumbo VA loans: A VA Jumbo loan offers borrowers the benefit of the VA loan program for larger loan amounts. VA Jumbo loans by Affinity Mortgage feature our low rates, low closing costs and quick closings.
 
Refinance
+Refinance up to 115% of your home's value.
If your home appraises for at least what you owe, you can refinance. And those taking cash-out or consolidating debt can do so up to 95% loan-to-value.
+Streamline refinance for current VA loans.
If you are currently in a VA loan, VA’s streamline refinance (the “Interest Rate Reduction Loan”, commonly referred to as “IRRRL”) makes your refinance super easy as most borrowers do not have to document income, nor assets, and there is no appraisal required.

The Streamline refinance can typically close very quickly.

+Consolidate your debt and credit cards.
The VA loan program gives you the ability to payoff credit cards and to consolidate other debt into a single payment that can save you hundreds of dollars each month.
+No PMI. Consolidate your debt and save.
Other loan programs require a monthly PMI payment if you are above 80% loan-to-value, but not with a VA loan. There is never a PMI payment! So you can refinance up to 100% of the value of your home without issue.
+Underwriting guidelines are less restrictive.
VA underwriting standards are more forgiving if you have had credit issues in the past. And like all VA loans, you will still get a great rate.
+VA Jumbo loans are great!
If you need a Jumbo loan (a loan amount above $417,000), a VA Jumbo loan is a great option. Submit the Rate Quote! form, above, to learn just how a VA Jumbo loan can be of benefit to you!
Purchase
+No down-payment required.
The VA purchase loan does not require any down-payment. You can structure your loan so you pay nothing out-of-pocket at the closing. This is one of the more popular features of the VA loan.
+No pre-payment penalty.
The VA doesn’t restrict your ability to payoff or refinance your loan early.
+No PMI.
Other loan programs require a monthly PMI payment if you put less than 20% down, but not with a VA loan. There is never a PMI payment!
+Underwriting guidelines are less restrictive.
VA underwriting standards are more forgiving if you have had credit issues in the past. And like all VA loans, you will still get a great rate.
+VA Jumbo loans are great!
If you need a Jumbo loan (a loan amount above $417,000), a VA Jumbo loan is a great option. Submit the Rate Quote! form, above, to learn just how a VA Jumbo loan can be of benefit to you!
+Close Quickly!
When you have processed as many VA loans as we have, you learn a thing or two. And we have learned how to get them done quickly so our borrowers can close and take possession of their new home. This is why our borrowers routinely refer to our VA loans as “SUPER!” … Super VA!

Copyright ©2017 Affinity Mortgage, LLC., All rights reserved. Not affiliated with the VA or any Government agency.
NMLS #2579. Licensing information is available via the National Mortgage Licensing System & Registry.