VA Home Loans in Layton, Utah

Veterans, service members and surviving spouse can use a VA loan to purchase or refinance their home.
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Why Choose A VA Loan For Your Home Purchase Or Refinance

Up To 100% Financing

Other loans require you to have a down payment or equity in your home. VA loans in Layton don’t require a down payment. This is perfect for veterans who don’t want to put money down or utilize their home’s equity.

Lower Interest Rates

Because the VA provides a guarantee to the lender, VA home loans typically have lower rates than other loan programs. This makes your monthly payment more affordable and saves you money.

Flexible Credit Guidelines

You don’t need perfect credit for a VA home loan. VA loans have lower credit score requirements and shorter waiting periods if you had a bankruptcy or foreclosure in the past.

No Mortgage Insurance

Even without a down payment or 20% equity in your home, veterans are not required to pay mortgage insurance each month. This helps save you money on your mortgage payment. Alternatively, most veterans pay a funding fee of 1.25% to 3.3%.

Enlist The Help Of A VA Loan Specialist

Many lenders and loan officers can do VA loans, but very few have the right knowledge & experience.

Jason Skinrood - Mortgage Loan Officer

Jason Skinrood

Experience makes the difference. Who you choose to work with matters.

  • Assisted 1,189 veterans purchase or refinance a home
  • VA loan subject matter expert
  • Industry resource for VA loans
  • Understands unique challenges & circumstances of veterans
  • USAF veteran
  • Loan officer since 2003

I’m a Layton, Utah VA loan specialist. Get to know me better here.

What Other Veterans Are Saying

T Sky
T Sky
Jason was very helpful with getting our family the funding for the house we always wanted. Thank you, Jason!
bobbi jo roscoe-bryan
bobbi jo roscoe-bryan
It was another Amazing experience working with Jason. He is very knowledgeable, patient and thorough.
Jessica Batson
Jessica Batson
Jason was amazing. Even when I thought for sure my loan wasn't going to go through, he stuck with it and made it happen! I've used him multiple times and am always satisfied and happy we the end result.
Erik Easton
Erik Easton
Working with Jason Skinrood on my VA Cash-Out Refi has been easy and seamless… I used Jason’s experience several years ago on a VA Streamlined Refi and that went so well that I knew I had to get back with him on the Cashout Refi. I truly believe that the entire process could not have gone any smoother or quicker. Jason works hard to get us Vets everything we deserve at a fair and up front price… no hidden fees to worry about later. Thanks Jason, I greatly appreciate your strait forward approach to this process. I HIGHLY RECOMMEND Jason for any of your VA loan needs.
Robert Magarrell
Robert Magarrell
Our experience working with Jason has been by far the best we have ever experienced! We are so grateful for his knowledge and experience with VA loans, that he responds immediately to all of our questions and I have never experienced working with someone that immediately answers the phone the way that Jason does.
Zachary Altvater
Zachary Altvater
Jason has been great to work with. He's been on top of things from the beginning, and hasn't thrown us any curveballs like other lenders do. We have been working with Jason for over a year now, and he has always stayed in contact and touched bases with us, never forgetting us. It was an easy process, and we have been thrilled with the hospitality.
Michael Jansons
Michael Jansons
Jason has by far been one of the most understanding and easy to work with lenders I have ever worked with. I will definitely be recommending jason to all of my family and friends that are looking to buy a house. Again, best lender to work with hands down. If I could give him 10 stars I would. 10/10 recommend!
S Bradbury
S Bradbury
Jason was recommended by a friend when I was looking for a loan officer and I can't forward the recommendation enough! Being that I wasn't working with a realtor, he pointed me in the right direction to find things the seller didn't have and helped me navigate the process with relative ease. He constantly checked in, followed up, and never let things just "hang" with minimal communication. The biggest help was Jason and Supreme Lending covering the costs to extend our loan offer when additional information was needed we didn't have and didn't know we needed. We can't thank him enough for all his help in making my wife and I homeowners. Thank you, Jason and the Supreme Lending team!
Christen De laney
Christen De laney
Jason was outstanding, answered all questions, amazing professional and would never use anyone but him.

FAQs for VA Home Loans in Layton, Utah

Find answers to your Layton VA loan frequently asked questions.

What are the benefits of a VA loan in Layton?

VA home loans offer a number of benefits over traditional mortgage products. For starters, Layton VA loans are available to active duty military personnel, veterans and their surviving spouses. This makes them one of the most accessible loan products on the market. Additionally, VA loans Layton do not require a down payment, which can make them an attractive option for first-time homebuyers or those with limited savings. Finally, VA loans typically have lower interest rates than traditional mortgages, and they also come with some unique features like the VA funding fee, which can help to lower your monthly payments.

In addition to the financial benefits, a VA home loan comes with a number of other perks. For instance, VA loans are exempt from certain fees and closing costs. Additionally, the VA provides a number of protections when buying a home. The Interest Rate Reduction Refinancing Loan (IRRRL) helps save money on your mortgage payment. A VA loan Layton offers significant savings when compared to other loan programs.

How do I qualify for a VA home loan in Layton, Utah?

To qualify for a VA home loan, you’ll need to meet the service requirements of the Department of Veterans Affairs. You must have served at least 90 days of active duty during wartime, or 181 days during peacetime. If you’re the spouse of a service member who died in the line of duty or is missing in action, you are eligible for a VA home loan in Layton if you receive Dependent Indemnity Compensation (DIC).

Reservist or National Guard members need to have completed at least six years of eligible service or served on Title 10 orders for at least 90 days. National Guard members who’ve served at least 90 cumulative days on Title 32 orders of which 30 days were consecutive for Section 502, 503, 504 or 505 orders are also eligible.

Those with a general or dishonorable discharge are not eligible for a Layton VA home loan.

Once you’ve met the service requirements, you’ll need to obtain a Certificate of Eligibility from the VA.

How do I get a VA Certificate of Eligibility for a VA home loan?

The Certificate of Eligibility (COE) is a document that shows a service member, veteran or surviving spouse is eligible for a VA home loan. The COE verifies to the lender that you are eligible for a VA home loan and that the Department of Veterans Affairs will guarantee the mortgage.

To obtain a COE you can request a copy from the VA’s eBenefits website, through your lender or by requesting a copy by mail from the VA Regional Loan Center.

What FICO Score Is Needed For A VA Loan?

The minimum FICO score needed for a VA loan is 620 for most lenders. Some lenders will go lower to a 580 score or even as low as a 560 score. The interest rate you receive will largely depend on your credit score. Having a higher credit score will improve your mortgage rate and save you money each month on your payment.

What is the process of getting a VA Loan Layton, Utah?

The process of getting a VA loan Layton, Utah starts with getting preapproved from a loan officer. You’ll need to provide income documentation and possibly bank statements. The lender will also need to run a credit check.

Once you’ve been preapproved for your VA home loan, it normally takes 30 days or less to close once you have a home under contract.

Do You Need A Down Payment For A VA Home Loan?

VA home loans do not require a down payment in most cases. One of the biggest advantages of using your VA loan benefit is being able to get 100% financing. A down payment may only be required when you have two or more VA loans at the same time.

Veterans are responsible for their closing costs whether buying, refinancing or selling a home regardless of disability status.

What Are The VA Loan Limits Davis County, Utah?

Beginning in 2020, VA loan limits were eliminated when a service member, veteran or surviving spouse has just one VA loan at a time. However, when a borrower has two or more VA loans at the same time. The Davis County, Utah VA loan limit is $726,200 for a single unit property. Other VA loan limits Davis County, Utah exist for two to four-unit properties.

For VA loans greater than $726,200, the loan is considered High Balance. High Balance VA loans are for loan amounts over the VA loan limits Davis County, Utah. Some veterans have purchased homes for over $2,000,000 with no money down using their VA loan.

Begin Your VA Home Loan in Layton, Utah Journey

Schedule a 15-minute consultation to learn more about using your VA loan in Layton, UT. Get answers to your questions and start your path to home ownership.

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How To Choose A VA Mortgage Lender In Layton, Utah

When looking for a lender to help with your VA loan in Layton, it’s important to find someone who is local and specializes in VA home loans. Compare your options by finding a loan officer that:

    • Demonstrates knowledge of the VA loan process and guidelines
    • Has a network of other real estate professionals familiar with VA loans
    • Is familiar with VA-required inspections for the area
    • Knows what VA resources are available to find the latest information
    • Can show exceptional reviews and testimonials from other veterans

Many mortgage lenders claim to specialize in VA loans. However, they typically hire loan officers with little to no experience. The lender doesn’t underwrite the loans themselves, have extended closing times up to 45 days, make you work with a team instead of a single person and don’t respond to your inquiries during the process. Plus, you typically end up with a higher interest rate.

Choosing the right lender for your VA loan Layton could save you thousands of dollars and ensure a positive home buying or refinance experience.

About Layton, Utah

Layton, Utah is a city in Davis County located within the Ogden-Clearfield Metropolitan Statistical Area. With a population of over 70,000 people, Layton is one of the most populous cities in the state and is home to Hill Air Force Base. It’s proximity to neighboring cities such as Syracuse, Clearfield, Clinton and West Point make it an ideal location for those looking to live close to amenities while still having access to outdoor activities.

The city has a rich history dating back to its founding in 1877 when it was first settled by Mormon pioneers. Today Layton has grown into an important economic hub for the region and is home to many businesses and industries. In addition, there are numerous parks and recreational areas for visitors and residents alike to enjoy.

Layton offers a variety of housing options from single family homes to apartments and condos. The city also boasts excellent schools and universities as well as plenty of shopping opportunities. With its convenient location near Hill Air Force Base, Layton provides easy access to all that northern Utah has to offer including skiing, hiking, camping, fishing and more.

Whether you’re looking for a place to call home or just visiting for the day, Layton has something for everyone! Come explore all that this vibrant city has to offer! Other popular cities for veterans to live in are Clearfield, Syracuse and West Point.

Utah Disabled Veteran Tax Exemption

Disabled veterans with a permanent place of residence in Utah are eligible for a property tax exemption based on their service-connected disability rating from the VA. Disabled veterans must have at least a 10% rating to be eligible. The exemption is also available to surviving spouses or minor orphans.

To receive the property tax exemption, you must apply with the county in which the home is located. A copy of Summary of Benefits Letter from the VA along with the county’s application must be submitted for approval. Veterans do not need to have a Layton VA loan to qualify.