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Browse va loan specialists serving Ottawa, Illinois. Contact information and addresses listed below.
13 agents listed
Updated May 2026
Ottawa, IL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Illinois before hiring.
Showing 13 va loan specialists in Ottawa, IL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Sun Loan Company
2713 Columbus St, Ottawa, IL 61350
8154311336
Heights Finance
1128 Columbus St, Ottawa, IL 61350
8154336406
World Finance
2744 Columbus St #400, Ottawa, IL 61350
8154340382
Financial Plus Credit Union
800 Chestnut St, Ottawa, IL 61350
8154331496
OSB Community Bank
925 La Salle St, Ottawa, IL 61350
8154332525
First State Bank
1212 La Salle St, Ottawa, IL 61350
8154333727
The First National Bank of Ottawa a Division of American Commercial Bank & Trust
701 La Salle St, Ottawa, IL 61350
8154340044
Wells Fargo Home Mortgage
1402 Columbus St, Ottawa, IL 61350
8154333715
Midland States Bank
400 E Etna Rd, Ottawa, IL 61350
8154312979
Armstrong & Associates, Inc.
1410 Aquarius Cir, Ottawa, IL 61350
8154332522
Compeer Financial
3184 IL-23, Ottawa, IL 61350
8154331780
First Federal Savings Bank
633 La Salle St, Ottawa, IL 61350
8004438780
First Federal Savings Bank
433 W Main St, Ottawa, IL 61350
8154342193
VA loan specialists in Ottawa, Illinois help eligible veterans, active duty service members, and surviving spouses obtain home loans with no down payment and competitive interest rates. Under Illinois law, VA loans are exempt from certain state taxes and fees, including the state transfer tax on the first $100,000 of the purchase price. Local specialists guide clients through the certificate of eligibility process and work with Illinois-specific property appraisal requirements.
What Does a VA Loan Specialist in Ottawa Cost?
VA loan specialists in Illinois typically charge a flat fee or an hourly rate for their services. Flat fees range from 500 to 1,500 dollars depending on the complexity of the case. Hourly rates are usually between 150 and 300 dollars per hour. Some specialists may offer a free initial consultation. You may also pay for the VA appraisal, which costs around 500 to 700 dollars in Ottawa. Closing costs in Illinois typically range from 2 to 5 percent of the loan amount but can be negotiated with the seller. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the eligibility requirements for a VA loan in Ottawa Illinois?
To qualify for a VA loan in Ottawa, you must meet service requirements set by the Department of Veterans Affairs, such as 90 consecutive days of active service during wartime or 181 days during peacetime. Illinois does not impose additional state-level eligibility rules beyond federal guidelines. You will need a valid Certificate of Eligibility from the VA.
Can I use a VA loan to buy a home in Ottawa if I have a previous foreclosure?
Yes, but you may face additional requirements. The VA allows borrowers with a prior foreclosure to apply for a new loan after a waiting period of two years from the foreclosure date. Illinois law does not shorten this waiting period. You must also show that the foreclosure was beyond your control and that your credit has improved.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Illinois.