VA Loan Programs

VA Loan

A VA loan, or Veteran Affairs Mortgage Loan, is a mortgage loan that is guaranteed by the US Department of Veterans Affairs. Because they are guaranteed, they do not require mortgage insurance. The VA Loan was designed to offer long-term financing to American Veterans or their surviving spouses.

Generally VA mortgage loans do not require a down payment and can allow up to 103.3% financing, with the extra 3.3% being a funding fee that is paid directly to the VA. VA Mortgage Loan limits usually vary by county with those being in higher-cost areas having a larger limit.

These are the VA loan programs that United Mortgage Plus offers:

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    Type of Mortgage You're Interested In
    ​​​​​​​0% Down VA Program 

    We have exclusive benefits for those who have served our country. Our elite VA offers special mortgage terms to veterans of the armed forces.

    – FICO starting at 720

    – $175,000 minimum loan amount

    – No Down Payment required

    – Cash-out allowed up to 100% LTV

    – REfinance your current VA loan up to 150% of the property value

    VA Elite

    ​​Take your VA loan to a new level with industry-leading government rates and pricing.

    – Low FICO score

    – Maximum loan amount can exceed county limits

    – All fixed or ARM term mortgages

    – Single family primary residences​​​​​​​

    VA I.R.R.R.L.

    ​​​​​​​We serve those who have bravely served in the Armed Forces with our VA IRRRL with no appraisal. Veterans can take advantage of their VA benefits by streamlining your current VA loan into a lower interest rate.

    – LTVs available up to 150%, unlimited CLTV

    – No minimum FICO Credit

    – No appraisal

    – Maximum loan amount can exceed county limits

    – AVM ran prior to submission

    – Elite pricing available

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