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VA Home Loan

Are you are a veteran, member of the military or military spouse? You may qualify for a VA loan.  VA Loans offer flexible options as either fixed-rate or ARM mortgages.  You may qualify for fast approval and a hassle-free loan even with less than perfect credit.  Refinance up to 100% of your home or buy a new home with no down payment and never pay monthly insurance (PMI)!

VA Loan Highlights

  • 30-, 20- & 15-year fixed-rate and 5-year ARM loans available
  • Jumbo VA loans available
  • Refinance up to 100% of your primary home's value
  • VA Streamline Refinance with a reduced funding fee and flexible documentation requirements - available for veterans currently in VA loans
  • Buy a home with no money down (primary home)
  • No monthly PMI (Private Mortgage Insurance)
  • VA loans are governed by the U.S. Department of Veterans Affairs

How VA Home Loans Work

  • Fixed rate monthly payments are based on interest rate, principal loan amount and amortized interest over 15, 20 or 30 years. Your payment will not change throughout the life of the loan
  • ARM interest rates are fixed for a period of 5 years. After the fixed rate period, your interest rate can adjust up or down depending on the market
  • Pay your mortgage at any time without pre-payment penalties

Got questions?  Give us a call!  One of our mortgage specialists would be happy to answer all of your questions and get you started with a great low rate today!

Working with Dempsey Mortgage Team at Geneva Financial, LLC

  • We put YOU first.
  • Dempsey Mortgage Team at Geneva Financial, LLC offers some of the most competitive rates in the Nation!
  • Fast and efficient, we close most of our loans in 30 days or less.
  • We offer a variety of loans. Dempsey Mortgage Team at Geneva Financial, LLC will find you the loan that is right for you!!!

**Dempsey Mortgage Team at Geneva Financial, LLC is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA or the Federal Government.

Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.

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Do I Qualify?

Your Home Loan Could Be Fully Funded 30 Days From Now

  • Fixed Rates

    Fixed Rates

  • Adjustable Rates Mortgage (ARM)

    Adjustable Rates
    Mortgage (ARM)

  • Conforming Loans

    Conforming
    Loans

  • Jumbo & Super Jumbo Loans

    Jumbo & Super
    Jumbo Loans

  • FHA, VA, & USDA Loans

    FHA, VA, & USDA
    Loans

  • Terms from 5 to 30 Years

    Terms from 5 to
    30 Years

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