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| Here at Freedom Mortgage, we love our veterans! Our name, and what it represents, are possible because of the men and women who fight for our freedom every day. To show our appreciation, there is never an application fee for veterans. -No need to spend hours digging up all your service records, we can obtain everything we need online. -Our underwriters are certified by the Veteran's Administration, so there is no need for two underwritings. -VA loans require no down payment -VA loans allow the seller to pay all closing costs and prepaids/escrow. -VA loans allow the buyer to qualify for a higher-priced home (due to higher debt-to-income ratios, and no monthly MI) -VA loans can be used to buy a home, condo, townhouse, build a home, or refinance a current home loan -VA appraisers look out for your interests in making sure the home meets all the minimum requirements -VA loans have no monthly mortgage insurance premium. Instead, a "guarantee fee" is charged upfront and financed into your loan. -VA loan limits in our area are $417,000 for a single-family residence. -VA loans requires that the veteran intends to live in the home -VA loans allow the surviving spouse (unremarried) to obtain a loan with spouse's entitlement -VA loans require a minimum middle score of at least 620 Thank You for visiting our Veterans' page. Please contact me to answer your questions or get you started on the path to a new home loan. I am here to help you, Cheryl Whitehead ![]() Click HERE to see the Veterans Affairs Certificate. Click HERE to get Cheryl's Newsletter. Contact us Sitemap |

