VA Mortgage Loans for Virginia Veterans

LOW Rate and NO Down Payment for Veterans with Langley Federal Credit Union


The Department of Veterans Affairs offers guaranteed VA loans up to 100% of the purchase price to qualified individuals who have served in the armed forces.

The VA mortgage loan works like a standard fixed rate mortgage with some excellent benefits for veterans added. In most cases no down payment is required, the interest rate is lower than a standard mortgage and no private mortgage insurance (PMI) is required. VA mortgages are also assumable and include VA assistance for veteran borrowers who default on their loan due to temporary financial difficulty.

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Frequently Asked Questions About VA Mortgages

How do I request a Certificate of Eligibility (COE)?

You can contact the VA directly or you can authorize your lender to order on your behalf.

Does the VA mortgage process take longer than a standard mortgage?

VA loans are processed the same as other loan types. The only difference is the appraisal is ordered directly through the VA. In some cases this process can cause delays.

Can I talk with someone at Langley before I apply for a VA mortgage?

Yes, all of our loan officers are experienced in VA lending.

What do I need besides a COE to apply for a VA mortgage?

You do not need your COE to apply. You will need to provide proof of income and assets at the time of loan application.

Do I need a realtor before I apply for a VA mortgage?

A realtor is not required.

Is the VA mortgage only for primary residences?

Yes.

*APR = Annual Percentage Rate. The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice. Your rate may be different based on your representative credit score. The monthly payment amount shown includes principal and interest. Taxes, property insurance, and flood and mortgage insurance (if applicable) are not included in the monthly payment amount. Your actual monthly payment amount may be higher. Your APR will vary based on your final loan amount and finance charges.