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Showing 2 va loan specialists in Spanaway, WA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
OneMain Financial
17415 Pacific Ave S Ste L, Spanaway, WA 98387
2538465200
Jeff Journey
16121 Pacific Ave S #1, Spanaway, WA 98387
2532597540
What Does a VA Loan Specialist in Spanaway Cost?
Typical costs for VA loan specialist services in Washington include an origination fee of up to 1% of the loan amount, plus third-party fees for appraisal, credit report, and title insurance. For a $400,000 home, total closing costs often range from $8,000 to $12,000. The VA funding fee is additional unless waived. Costs vary by lender and loan specifics. 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 eligibility requirements for a VA loan in Spanaway Washington?
You must meet VA service requirements, such as 90 days of active duty during wartime or 181 days during peacetime. You also need a valid Certificate of Eligibility from the VA. Spanaway lenders will check your credit and income as part of the process.
Is there a funding fee for VA loans in Washington?
Yes, the VA funding fee applies to most loans. For first-time use with no down payment, the fee is 2.15% of the loan amount. The fee is reduced for subsequent uses or if you make a down payment. Some veterans with service-connected disabilities are exempt.
Can I use a VA loan to buy a manufactured home in Spanaway?
Yes, VA loans can finance manufactured homes if they meet VA property requirements. The home must be permanently affixed to a foundation and classified as real property. Washington state law also requires the home to be titled as real estate.