Use the benefit with the full picture in view.
Eligible veterans, service members and certain other borrowers can discuss VA-backed purchase or refinance options with John.
Eligibility, property and lender requirements.
A Certificate of Eligibility helps establish benefit eligibility; the lender still reviews credit, income, debts and the property.
- Check entitlement and planned primary residence occupancy.
- Review the funding fee and any exemption that may apply.
- Compare payment, closing costs and seller credits with other options.
Ask before you assume.
VA guidelines and lender requirements must be applied to the actual transaction.
Is there always a funding fee?
A funding fee may apply, but some eligible borrowers are exempt. Confirm your status and current VA rules.
Does VA approve the loan?
A private lender originates and underwrites the loan under VA program requirements.
Can I use VA again?
Potentially. Entitlement and the details of existing or prior VA loans matter.
An independent mortgage conversation.
John Jarvis and Edge Home Finance are not affiliated with or endorsed by the U.S. Department of Veterans Affairs.
Start with a conversation.
Tell John what you want to accomplish. He’ll help you sort through the options and next steps.