Why Choose A VA Loan For Your Home Purchase Or Refinance
Up To 100% Financing
Lower Interest Rates
Flexible Credit Guidelines
No Mortgage Insurance
Enlist The Help Of A VA Loan Specialist
Many lenders and loan officers can do Ogden VA loans, but very few have the right knowledge & experience.
- 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 Ogden, Utah VA loan specialist. Get to know me better here.
What Other Veterans Are Saying
FAQs for VA Home Loans in Ogden, Utah
Find answers to your Ogden VA loan frequently asked questions.
What are the benefits of a VA loan?
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 Ogden offers significant savings when compared to other loan programs.
How do I qualify for a VA home loan in Ogden, 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 Ogden 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 Ogden 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?
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?
What is the process of getting a VA Loan?
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?
Veterans are responsible for their closing costs whether buying, refinancing or selling a home regardless of disability status.
What Are The VA Loan Limits Weber County, Utah?
For VA loans greater than $766,550, the loan is considered High Balance. High Balance VA loans are for loan amounts over the VA loan limits Weber 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 Journey In Ogden, Utah
How To Choose A VA Mortgage Lender In Ogden, Utah
When looking for a lender to help with your VA loan in Ogden, 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 Ogden could save you thousands of dollars and ensure a positive home buying or refinance experience.
About Odgen, Utah
Ogden, Utah is a city located in Weber County, about 10 miles east of the Great Salt Lake. It has a rich history as a lawless frontier town and is known for its larger-than-life legends and colorful characters. The population of Ogden is around 87,000 people and it covers an area of 24.8 square miles.
Ogden is an outdoor enthusiast’s paradise, with plenty of activities to enjoy such as skiing, hiking, fishing, camping and more. The city also boasts a vibrant cultural scene with live music, arts and entertainment venues. There are several colleges and universities nearby that offer educational opportunities for those looking to further their education.
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 Utah VA loan to qualify.