102 Thain Rd Suites B & C,

Lewiston, ID 83501

Mann Mortgage supports our heroes: Discover the benefits of VA loans today!

Exceptional, preferred lending option for those who have served us, including affordable $0 down loans.

What are VA home loans?

For residents of Clarkston Heights, Vineland, Uniontown, and Genesee who are looking to borrow money for various purposes, understanding the options available to them is crucial. One such option, tailored specifically for veterans and active-duty military personnel, is the VA loan. In this comprehensive guide, we will delve into the world of VA loans, exploring their benefits, eligibility criteria, and application process. If you’re considering borrowing money, especially in the vicinity of our Lewiston Office, this guide will provide you with valuable insights into this financing option.
Elderly woman pinning a medal on the shirt of an elderly veteran man.

Not sure where to get started? That's okay too, we're happy to meet you where you're at and direct you to the right place or person.

VA loans
at a glance.

  • VA loans are a unique benefit offered to veterans, active-duty service members, and certain members of the National Guard and Reserves. These loans are designed to help them achieve the dream of homeownership or access funds for other financial needs.
  • One of the most significant advantages of VA loans is that they typically do not require a down payment. This feature sets them apart from many other loan options and makes homeownership more attainable for veterans and their families.
  • VA loans often come with competitive interest rates, making them an attractive choice for borrowers. These rates are set by private lenders but are backed by the U.S. Department of Veterans Affairs, providing added security to lenders.
  • While VA loans have specific eligibility requirements, they are generally more flexible than traditional mortgages. Veterans with less-than-perfect credit scores may still qualify, and there are no strict income limits.
  • VA loans do not require borrowers to pay private mortgage insurance, which is typically required when making a smaller down payment on a conventional loan. This can lead to significant savings over time.

Applying for a home has

never been easier

Our quick and secure process takes less than 10 minutes to apply.

Learn more about

VA loans

Eligibility for VA loans is generally extended to veterans, active-duty service members with sufficient service periods, certain members of the National Guard and Reserves, and some surviving spouses of veterans. Specific requirements may vary.

The maximum loan amount for a VA loan is determined by the VA and may vary depending on your location and the current VA loan limits. It’s essential to check the limits for your area when considering a VA loan.

Yes, in most cases, you can use a VA loan more than once. However, there may be certain limitations, such as entitlement usage. Our Lewiston Office can provide you with more details on this matter.

To apply for a VA loan, you will need to work with a VA-approved lender. They will guide you through the application process, which typically involves gathering necessary documents and meeting credit and income requirements.

Yes, there is a funding fee associated with VA loans, which helps offset the cost to taxpayers. However, some veterans may be exempt from this fee depending on their service history and disability status.

In conclusion, VA loans offer a valuable financial opportunity for veterans and eligible service members in Clarkston Heights, Vineland, Uniontown, Genesee, and the surrounding areas near our Lewiston Office. Understanding the eligibility criteria, benefits, and application process is essential when considering this financing option. If you have further questions or need assistance with a VA loan, don’t hesitate to reach out to our Lewiston Office for expert guidance and support.

“I was put in a situation where I quickly needed to find an affordable home using a VA loan the Mann mortgage team took care of that. I am grateful that they took care of my needs and quickly and professionally.”

Adam P. B.

Let's get you home.

0% down financing for qualified veterans, service members & eligible spouses. Our local loan experts will help guide you.

If you have a loan officer you are working with, please select them from the list below.