Find VA Loan Specialists in Shelby, OH
Compare va loan specialists in Shelby. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Ohio before hiring.
Showing 8 va loan specialists in Shelby, OH
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VA loan specialists in Shelby, Ohio help veterans and active duty service members secure home financing with favorable terms. Ohio law provides additional property tax exemptions for disabled veterans, which can be combined with a VA loan. Local specialists understand the Richland County real estate market and can guide you through the certificate of eligibility process.
What Does a VA Loan Specialist in Shelby Cost?
Typical costs for a VA loan specialist in Ohio include an origination fee of up to 1 percent of the loan amount and third-party fees for appraisal, credit report, and title search. These fees usually range from 500 to 1,500 dollars. The VA funding fee is separate and ranges from 1.25 to 3.3 percent depending on your down payment and prior use. 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 are the basic eligibility requirements for a VA loan in Shelby Ohio?
You must have served 90 consecutive days of active service during wartime or 181 days during peacetime. National Guard and Reserve members may qualify after six years of service. You will need a valid Certificate of Eligibility from the VA.
Can I use a VA loan to buy a multi-family property in Shelby?
Yes, VA loans in Ohio can be used for up to a four-unit property as long as you occupy one unit as your primary residence. The property must meet VA minimum property requirements and be located in Richland County.
Is there a funding fee for VA loans in Ohio?
Yes, the VA funding fee applies unless you are exempt due to a service-connected disability. For first-time use with zero down payment, the fee is 2.15 percent of the loan amount. This fee can be rolled into the loan.