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Showing 5 va loan specialists in Woodbridge, NJ
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Nations Lending - Woodbridge, NJ Branch - NMLS: 1806051
321 Main St Lower Level 1, Woodbridge, NJ 07095
9089567152
Kingdom First Mortgage LLC
655 Amboy Ave, Woodbridge, NJ 07095
7326341000
The Mortgage Specialists - AMS Mortgage
367 Berry St, Woodbridge, NJ 07095
7325270106
Guaranteed Rate of Woodbridge
234 Main St #202, Woodbridge, NJ 07095
7325270702
The Mortgage Plugs
280 Woodbridge Ave, Woodbridge, NJ 07095
7326531200
What Does a VA Loan Specialist in Woodbridge Cost?
Typical costs for a VA loan specialist in New Jersey include an origination fee of 1% to 2% of the loan amount, plus third-party costs such as appraisal fees (around $500 to $700) and title insurance (often $1,000 to $2,000). The VA funding fee ranges from 1.4% to 3.6% of the loan amount depending on down payment and prior use. Costs vary by lender and loan size. This is general information, 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 is a VA loan specialist in Woodbridge?
A VA loan specialist is a licensed mortgage professional who focuses on loans backed by the U.S. Department of Veterans Affairs. They help eligible borrowers in Woodbridge understand the process, from obtaining a Certificate of Eligibility to closing on a home. New Jersey law requires these specialists to follow state and federal regulations for VA loans.
What are the eligibility requirements for a VA loan in New Jersey?
Eligibility is determined by the VA and typically requires at least 90 days of active service during wartime or 181 days during peacetime. National Guard and Reserve members may qualify after six years of service. New Jersey does not add its own eligibility rules but follows federal guidelines.
Are there New Jersey specific benefits for VA loan borrowers?
Yes, New Jersey offers a property tax deduction for qualifying disabled veterans. Additionally, the state does not charge a separate VA loan fee beyond the federal funding fee. The VA funding fee can be waived for veterans with a service-connected disability rating of 10% or more.