--- title: "ON KNWA: VA HOME LOANS" description: Learn all about VA Loans and benefits they provide to our Veterans. image: https://blog.blrmortgage.com/hubfs/KNWA%2011122019%20Chad%20Hartsfield%20VA%20Loans%20Pic-1.jpg --- ![blrm_logo-166x45.png](https://blog.blrmortgage.com/hs-fs/hubfs/Mortgage_Site/images/blrm_logo-166x45.png?width=166&name=blrm_logo-166x45.png "blrm_logo-166x45.png") ![logo-rock-mortgage.png](https://blog.blrmortgage.com/hs-fs/hubfs/Mortgage_Site/images/logo-rock-mortgage.png?width=180&name=logo-rock-mortgage.png "logo-rock-mortgage.png") ![blog-bg.jpg](https://blog.blrmortgage.com/hs-fs/hubfs/Mortgage_Site/images/blog-bg.jpg?width=1600&name=blog-bg.jpg "blog-bg.jpg") # NEWS # ON KNWA: VA HOME LOANS Posted by [Blake Montgomery](https://blog.blrmortgage.com/mortgage-newblog/author/blake-montgomery) on Dec 6, 2019 9:45:06 AM ![Blake Montgomery](https://app.hubspot.com/settings/avatar/0d0a314baa0a411b65de2e97005b52d9) - [Tweet](https://twitter.com/share) Watch Chad and Jason to learn more.                   From the November interview with Chad Hartsfield and Jason Suel  No Headphones...No Problem.  See below for transcript.   we celebrated Veterans Day Monday and we're honoring all those who have served our country and kept us safe the GI Bill provides many needed benefits to those who have served our country including the $0 down payment va loan Chad Hartsfield branch manager at Rock Morgage joins us to tell us more about VA loans and how veterans can qualify again thanks it's so great to have you back I appreciate you having me on yeah yeah I'm interested in learning more about this so what is a VA guaranteed loan first I'd like to say thank you to all our military of quarter spouses especially a be a guaranteed loan it's something that was developed after the Second World War in the GI Bill dimension yes if to increase and enhance homeownership amongst veterans they're serving our country and not putting a lot back so the zero down loan was developed for them yeah that really goes a long way that's long that's an amazing thing that we have and who is eligible for a VA guaranteed loan for a bit so what we like to do eligibility is kind of normal loan sure credit Deb and their debts right but what we do is we have veterans give us their DD 214 okay we send that in to the Veterans Administration and then they send back to us what their eligibility is and it depends on their service if they were reservists or they know one of the big branches of the military right so it depends on their time of service and who they were in service with so there's some factors that go into determining it but of course you're there to walk them through that problem but of course yes oh definitely and what's maybe what's like required to obtain one of these loans only goes back to the DD 214 yeah so we send that out to the Veterans Administration they send us back a form called the Certificate of Eligibility and it tells us exactly what that veteran is qualified for gotcha what are some of the like the benefits or features of getting one of these loans oh yeah so of course the zero down yeah yes and there no mortgage insurance throughout the life of the loan for that veteran but a veteran has to pay an upfront funding fee okay to the VA to keep the program going for years and years and years and so what's nice is the seller can pay that on their behalf if they need to but that funding fee back to your Certificate of Eligibility yeah sometimes it tells us that that veteran was disabled and they do not have to pay that fee oh wow so again it just goes back to I love the fact that you all are so personable oh and you work really closely with all of your clients totally yeah don't go the extra mile and what a lot of veterans don't understand our spouses that lost veterans sure they could qualify for that VA loan as well okay oh yeah I had no idea that's a great tip and where where can veterans and their families turn if they are interested in learning more about these VA well oh well you can always give us a call yeah or go to our website ROC mortgage lending comm and learn more about veterans and the programs not only VA but other programs as well that they might qualify for yeah that's great Chad thank you so much we always we always love having you I always learn something when you're here talking about loans and mortgages so we appreciate oh great thank you yeah absolutely Topics: [preapproval](https://blog.blrmortgage.com/mortgage-newblog/topic/preapproval) [Veteran](https://blog.blrmortgage.com/mortgage-newblog/topic/veteran) [On Time Closing](https://blog.blrmortgage.com/mortgage-newblog/topic/on-time-closing) [Low Down Payment](https://blog.blrmortgage.com/mortgage-newblog/topic/low-down-payment) [Mortgage Loans](https://blog.blrmortgage.com/mortgage-newblog/topic/mortgage-loans) ### Subscribe to Email ### Recent Posts ### Posts by Topic - 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