VA Loans

VA Loans

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Zap Mortgage offers VA loans with the lowest interest rates, guaranteed.

As a veteran-owned mortgage lending company, Zap Mortgage is proud to assist active-duty military personnel, veterans, and eligible family members with VA loans throughout the U.S. We offer the lowest VA rates along with a rapid application and underwriting process, so you can achieve your goals of homeownership sooner and with fewer hoops to jump through. With a VA loan, you can enjoy low interest rates, a low down payment (or no down payment at all), and zero requirements for mortgage insurance.

Ready to Apply? Follow These Simple Steps

Get into your new home sooner with our technology-driven process for applying for a home loan. Here’s how it works:

Give us some background info and tell us about your goals

Fill out a pre-approval form or speak directly with one of our loan officers to provide some personal info such as your income, social security number, and your goals for home ownership. For example, where are you looking to purchase, and how much home are you hoping to afford?

Find the VA loan that’s right for you

Are you making a new purchase or refinancing? Either way, we can help!

Submit your loan application

We take the paperwork out of the process, so applying for your loan is fast, simple, and straightforward.

Get approved

Once your application is approved, we will underwrite your loan and get your purchase moving.

VA Loan Financing Options

VA loans are guaranteed by the U.S. government, so they don’t require mortgage insurance, and in some cases, may not even require a down payment. You can take out a VA loan to fund a new home purchase or to refinance for lower monthly payments, or even to take cash out so you can cover large expenses like home remodeling.

Home Purchase

VA Loans may be 15- or 30-year loans. Typically, a minimum credit score of 580 is required to get approved for this type of loan; however, requirements are more flexible than with conventional loans.

Refinancing

You do have options when it comes to refinancing a VA loan. VA IRRRL loans can help you refinance with a lower interest rate or switch from an adjustable rate to a fixed rate mortgage. VA Cash Out loans allow you to refinance your loan to leverage the equity that’s built up since you purchased the home.

FAQs

VA loans are available to most active duty servicemembers, honorably discharged veterans, current and former National Guard or Reserve members, and eligible surviving spouses. In addition to service requirements, you must have sufficient income to qualify for a home loan.
For those who qualify, VA loans can provide the most affordable pathway to home ownership. Because they don’t require mortgage insurance, you can save hundreds of dollars annually. In addition, VA loans offer the best interest rates available with fewer qualifying restrictions than conventional loan programs. In some states, property taxes are also waived for military homeowners.
VA loans must be used for the purchase of a primary residence. However, you may purchase a 1-4 unit residence, as long as you occupy one of those units yourself. That means your home purchase with a VA mortgage could help you secure additional income through rental units on the same property.

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  • Company NMLS: 2128736
  • www.nmlsconsumeraccess.org
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