Compare VA Loan Specialists in Milton, WI
Directory of va loan specialists in Milton, Wisconsin. Verify credentials with the state state mortgage licensing authority before hiring.
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State Mortgage Licensing Authority of Wisconsin before hiring.
Showing 2 va loan specialists in Milton, WI
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VA loan specialists in Milton, Wisconsin help eligible veterans, active duty members, and surviving spouses secure home financing with no down payment and competitive rates. Under Wisconsin law, VA loans are exempt from the state's mortgage recording tax, which can save borrowers hundreds of dollars at closing. These specialists guide clients through the Certificate of Eligibility process and local property requirements specific to Rock County.
What Does a VA Loan Specialist in Milton Cost?
Typical costs for a VA loan specialist in Wisconsin range from zero to a flat fee of 500 to 1,500 dollars, depending on whether the specialist works on commission or charges a separate consulting fee. The VA funding fee, which is required for most borrowers, ranges from 1.4 percent to 3.6 percent of the loan amount and can be rolled into the loan. Third-party costs such as appraisal fees usually run 400 to 800 dollars, and title insurance may cost 300 to 600 dollars. Costs vary by case and lender. 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 Milton?
To qualify for a VA loan in Milton, you must meet service requirements set by the Department of Veterans Affairs, typically 90 days of active service during wartime or 181 days during peacetime. National Guard and Reserve members may qualify after six years of service. You also need a valid Certificate of Eligibility from the VA.
Can I use a VA loan to buy a farm or rural property near Milton?
Yes, VA loans can be used to purchase farms or rural properties in areas around Milton, as long as the property includes a primary residence. The property must meet VA minimum property requirements, including safe water and septic systems. Wisconsin has many rural areas eligible for VA financing.
Are there any Wisconsin-specific fees for VA loans in Milton?
Wisconsin does not charge a state mortgage recording tax on VA loans, which is a benefit not available in all states. However, you may still pay local recording fees in Rock County. The VA funding fee ranges from 1.4 percent to 3.6 percent of the loan amount, depending on your down payment and service history.