Kansas City VA Loans

If you are a qualified veteran or current member of the military and are looking to relocate to Kansas City, right now is a great time to apply for a VA Loan. The VA Home Loan Guaranty Program has bee around for over fifty years helping veterans afford houses across the United States. Over that time, millions have participated in the Program and made the dream of homeownership a reality.

Conventional Loans vs. VA Loans

When you apply for a conventional loan in Kansas City, you might be expected to provide anywhere from 5 – 20% for a down payment on the property. With a VA Loan, you can borrow the same amount and will not be required to supply a down payment. This zero-down feature makes it possible for people who don’t have capital saved up to still afford houses. Other great benefits of the Loan Guaranty Program include: low interest rates, minimal closing fees, no monthly mortgage insurance, streamlined refinancing and quick approval. As a qualified veteran you get to take advantage of all these great benefits and more.

How to Qualify

If you are currently in the military, you can qualify for a Kansas City VA Loan after 181 days of service. Ex-military personnel must also have served 181 days of regular active-duty service and been honorably discharged. To obtain the loan itself, you will need to first fill out an eligibility form with the VA. This form can be found on the VA’s website and submitted by you or your lender. You will be sent a Certificate of Eligibility (COE) upon approval of the application.

Choosing a Lender

You are free to choose any lender you like as long as they participate in the VA Home Loan Guaranty Program. It’s a good idea to get pre-approved before you begin house shopping so that you know how big of a loan you can qualify for.

If you’re interested in learning more about Kansas City VA Loans, feel free to contact one of our VA home specialists. The form is secure, free and only takes a minute to fill out. We are here to help you get started with the loan process and into that house of your dreams!

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