When our military service men and women are in need of a home loan or financial advice, we are at their service. Ryan Harding of Security Home Mortgage is well-versed in various types of loan criteria, terms and processing stages. With a strong commitment to providing VA loan information and services, Harding will make you and your family his top priority. The Security Home Mortgage offices serve the Orem, UT area to provide all your banking needs in a convenient location.
The Benefits of a VA Loan
There are many differences between VA loans and conventional loans. As one of the best VA home loan lenders in Orem, UT, we can give you qualified advice based on many years of experience. Some of the extraordinary benefits of a VA loan include:
Less stringent qualification criteria because loans are backed by VA
No repayment penalties
Low or zero percent down payment
Home closing cost limits
Competitive interest rates, frequently less than conventional rates
No requirement for private mortgage insurance
Easy refinancing with typically no extra underwriting
More flexible debt-to-income ratios
Because of the major highlights of VA loans, it makes sense to take advantage of this great opportunity.
How to Apply for a VA Loan
We can help you apply for a VA home loan today with just a few key pieces of information. To be considered for a VA loan you must meet any one of the following:
90 consecutive days active wartime service
181 days active peacetime service
6 years National Guard or Reserves service
Service member spouse died in line of duty or due to service-related disability
By consulting with our mortgage lender you’ll know what to expect from VA loans and have the opportunity to ask any pertinent questions you may have.
Types of VA Loans
You can potentially save thousands of dollars by carefully selecting the VA loan that most closely fits your needs. That’s why it’s important to seek the advice of a home lender that has your best interests in mind and can help point you in the right direction.
VA Interest rate reduction refinance loan
VA Energy efficient mortgage loan
VA Cash Out loan
VA Purchase loan
VA Construction loan
These loans are used to purchase a home, build a new home or for renovations. One of them even allows you to get cash out in addition to your mortgage to be used for almost any other expenses.
Contact Our VA Home Loan Lender Today
Ryan Harding is an experienced mortgage banker that can help facilitate the VA loan process. Harding is not only knowledgeable about VA loans but will also patiently guide you through the loan distribution process. We are a VA approved lender, so you can trust us to give you accurate information about your VA home loan. Contact our lender at the Security Home Mortgage office in Orem, UT by calling 801-228-0937 for a completely free consultation.