01
Your goal
The home or property you have in mind and the timing you’re working toward.
Veterans · Loan guide
VA loans.
Start with your situation.
$0 down, no monthly PMI, and a funding fee that can be financed. Built for Hill AFB and Mountain Home.
How this program works
What changes the fit.
Utah and Idaho cities on this desk use the same person and a program that has to match the house.
VA loans are for veterans, active-duty service members, and many surviving spouses. Most purchases can be done with no down payment and no monthly mortgage insurance. There is a funding fee, and it can be financed. Some veterans with a service-connected disability are exempt from that fee, which is worth confirming before the payments are compared.
Hill Air Force Base and Mountain Home are why VA shows up so often on this desk, including buyers in Utah County and the Treasure Valley. If you already have a VA loan, an IRRRL streamline refinance is a separate conversation. It can be simpler, and it still has to beat the loan you have after costs. A certificate of eligibility is the document to locate before the offer.
Who this may fit
Veterans, active duty, and many surviving spouses.
What to discuss
- No down payment on most purchases
- No monthly mortgage insurance
- Review an IRRRL streamline refinance when eligible
From an option to a plan
Three things to bring.
A first conversation can help you understand the details before a full application.
02
Your income picture
How you earn, what documentation you have, and the monthly payments already in your budget.
03
Your funds
The down payment, reserves, and closing-cost budget you want to work with.
Program availability, terms, and eligibility depend on the lender and your complete application. This overview is not a commitment to lend.
A real person. A clear next step.
Let’s talk about VA.
Bring your questions and the numbers you’re working with. Brandon will help you understand the options and decide what comes next.
Brandon MaughanUtah & Idaho · 8am–8pm MT
Keep the comparison open