Since the VA loan program was instituted in 1944, over 22 million eligible homebuyers have been able to qualify for affordable, zero down financing on new homes.

If you have a military service record, you could be the next borrower to take advantage of the outstanding benefits of VA loans.

What is a VA Loan?

A VA loan is a mortgage which is available to eligible veterans, active duty service members and surviving spouses as part of their VA benefits.

This type of mortgage is insured by the Department of Veterans Affairs (VA). With this backing, borrower risk is offset, qualifying the homebuyer for more competitive rates and terms along with zero down.

Benefits of VA Loans in Ohio

Because there is zero down payment due for a VA mortgage, you can move into a home immediately.

Even with zero down, your interest rate on your mortgage will be affordable.

Credit qualifications are relaxed for Ohio VA mortgages.

Closing costs may be 1-3%, or covered by the seller.

This type of mortgage does not have a private mortgage insurance (PMI) requirement despite the fact that you do not need to make a down payment.

If you are a qualified disabled veteran, you will not be required to pay a funding fee.

VA borrowers who are able to finish paying off their home loans early will not be subject to penalties for prepayment.

The VA can provide guidance down the road if difficulties arise keeping up with your mortgage.

Flexible terms which accommodate your needs should be available to you even without ideal credit.

Along with home purchase, VA mortgages also can be used for repairs, upgrades, building a new home, or refinancing one.

Are You Eligible for an Ohio VA Loan?

To qualify for a mortgage insured by the Department of Veterans Affairs, you must:

Be a military veteran, active duty service member, or eligible surviving spouse.

Meet the service requirement. You will need to look up the requirement which pertains to the timeframe in which you served. In most cases, you will qualify if you have performed 90 days of service in wartime or 181 days of service in peacetime.

Serve or have served in any branch of the US military. Activated members of the Reserve or National Guard also have the potential to be approved for a VA mortgage.

Factors which do not affect your eligibility include:

Whether or not you have previously taken out a VA mortgage.

How long ago you served.

Bankruptcies or foreclosures, assuming enough time has passed.

What Our Clients Are Saying

Liberty Capital Services LLC

4.9

Based on 153 reviews

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Dan Huber

21:38 05 Dec 23

Great people Jason was very patient and went the extra mile to get my family in a house thanks a million liberty capital service

Lisa Huber

15:15 05 Dec 23

We had the pleasure of working with Jason .He was absolutely terrific! He made sure our questions were answered and understood..If I could give him 20 starts I WOULD!! Thank you for making this as easy as possible Jason !

Dustin Harmeyer

17:09 01 Dec 23

Alisha Fatima

23:50 20 Nov 23

Liberty capital in Columbus made a big difference in our financial situation! They had so many more options to get our loan approved and James and his team were great to work with. Laura was always available to answer questions and worked hard to get us a great mortgage. We are very happy with our new home especially business is a short drive from our home. We had the best experience with Liberty Capital!zarqa Ali Sattar Ahmad wife and Faria Ali sister

Heather Jordan

20:22 16 Nov 23

Jason krasnow has been one of the best lenders to work with. He is upfront and honest and always willing and able to answer any questions. His quick response to every question made me completely confident in his skills. I highly recommend Jason and Liberty Capital Services!!!

Faria Ali

13:30 31 Oct 23

I had the pleasure of working with James The experience was nothing short of outstanding. In a world where securing a loan can often feel like navigating a maze, James from Liberty Capital Services was a guiding light, making the process seamless and stress-free. IMO he was more helpful/available/patient than my realtor.Throughout the loan application process, James exhibited a level of responsiveness that was truly remarkable. Whether it was a quick question or a concern that required attention, I could always count on him to promptly address my needs. His level of commitment and dedication is a testament to his exceptional work ethic.In closing, if you're in need of a loan officer who combines expertise, dedication, and a commitment to your financial success, ask for James as he is the professional you can trust.

Tiara Ferguson

13:08 31 Oct 23

If I could give Liberty Capital 6 stars I would!!!! Specifically loan officer Jason Krasnow deserves a 10 out of 5 star rating as he went completely above and beyond and provided extraordinary customer service with my home purchasing experience and I am extremely impressed and satisfied.I found Jason through a referral while going through a very tough time— I had just concluded a very difficult divorce and wanted to remain in my marital home afterward, however, was uncertain about what I qualified for due to having a brief gap in employment years ago during my marriage. Jason did his due diligence, listened carefully to my situation, and was extremely meticulous, helpful and very knowledgeable about my individual needs. He addressed my concerns, educated me on all my options, and also thoroughly explained the pros and cons of either refinancing or selling my marital home. Based on my individual situation, I ultimately decided it was best to refinance my home, however, I was dreading the refi process as based on my experience getting qualified for a mortgage initially was all a pain and was like putting puzzle pieces together. Jason was a God-send, however, and provided an immense amount of support, guidance, and direction and made the refinance process extremely seamless, efficient, and easy. It was such a relief to have one less thing to worry about during a very stressful and tumultuous time.Even after my closing date, I still had additional follow up questions and although Jason’s work was done with my loan, he continued to be extremely helpful and responsive ( even during nights and weekends!) . I can’t emphasize enough how pleasant my experience was with Jason/ Liberty Loans, and I highly recommend their services to anyone who is in the market for a new home.Thanks again for the wonderful experience!

Sonia Martinez de Simon T.

22:43 24 Oct 23

I recently had the pleasure to work with Jason on the purchase of our first investment property. He probed to be a great professional, very knowledgeable and patient. I mention this because I would be texting him at all hours, but specifically late at night after I got out of the office and he has always promptly responded and always has provided the assistance needed and the info requested. He has gone the extra mile to ensure everything was done the right way, and has also provided good leads for the insurance policy. Since we purchased another house not too long ago, I can compare the experience with our previous broker and Jason has exceeded every expectation we had. I hope we get to work together soon because he made sure the experience, as stressful as it gets, was nonetheless enjoyable. I would highly recommend Jason and his processor, Laura!!!!!

Spencer S

18:25 20 Oct 23

wonderful experience! Jason helped me out in a tight spot and got it done. Can’t go wrong with them!

Sean Leyden

11:35 04 Oct 23

It’s my great pleasure to provide my strongest recommendation for Ken and his team at Liberty Capital Services. They successfully led me through the process to obtain a VA home loan recently. They are experts; Liberty Capital got me the lowest possible interest rate, they were always early to the next milestone and there was never a concern about financing being in place for the closing. Thank you Ken and team!

Raihan Ali

17:32 03 Oct 23

James, Laura, and team were excellent with handling my home loan details. They answered all my questions with great detail. James really worked hard to get us the best rate possible. We will be repeat customers.

terima nagatani

05:13 20 Sep 23

I had the pleasure of working with Jason Krasnow. The experience was nothing short of outstanding. In a world where securing a loan can often feel like navigating a maze, Jason from Liberty Capital Services was a guiding light, making the process seamless and stress-free. IMO he was more helpful/available/patient than my realtor.Throughout the loan application process, Jason exhibited a level of responsiveness that was truly remarkable. Whether it was a quick question or a concern that required attention, I could always count on him to promptly address my needs. His level of commitment and dedication is a testament to his exceptional work ethic.In closing, if you're in need of a loan officer who combines expertise, dedication, and a commitment to your financial success, ask for Jason as he is the professional you can trust.

David Krasno

16:34 13 Sep 23

Jason was fantastic! He spent considerable time working the numbers to get me a respectable rate during the spike in interest rates while getting me to where I need to be for my monthly payment. Very communicative via text, email and phone as well as always accessible and responsive to my inquiries. I highly recommend him and LCS for anyone in need of the services they provide. Thank you Jason!

lafontant saintbien

13:41 13 Sep 23

Mr Jason made the whole process so easy to understand and stressed free I’m going to recommend friends and family to this wonderful guy

Matthew Gorman

19:53 08 Sep 23

Thanks to James and his team for getting our loan and financing approved. They did a great job on a quick timeframe!

Kevin Kim

14:25 01 Sep 23

I was looking to purchase a property in Columbus OH, and was connected with multiple lenders. That said, Jason at Liberty Capital Services was the person to go to without question.I am a super newby when it comes to real estate investing and Jason diligently walked me through every step. On top of that, he would call me with an update every few days and as a newby investor, that elevated a lot of anxiety as a first time buyer. Also, Jason will answer your phone call any time of the day and doesn't matter what the question is, he will 100% ensure you're taken care of.Not only did Jason provide the best product, he made deals that didn't work, WORK!!I refuse to work with any other lender moving forward, and if you're looking to buy, I HIGHLY RECOMMEND working with Jason at Liberty Capital Services.

Melissa Switzer

16:02 17 Aug 23

James and team were excellent. James was super responsive and Laura kept us informed all along the way. Highly recommend!

D R

21:37 07 Aug 23

Liberty capital in Columbus made a big difference in our financial situation! They had so many more options to get our loan approved and James and his team were great to work with. Laura was always available to answer questions and worked hard to get us a great mortgage. We are very happy with our new home especially since our kids will go to a better school district! And our business is a short drive from our home. We had the best experience with Liberty Capital!

Veronica

15:45 21 Jul 23

Jason was awesome! Always picked up the phone late, early, or my 5th call of the day for any questions. He was really patient with me and always kept me updated with progress. I highly recommend him and Liberty

Nicole Carnahan

19:03 20 Jul 23

Jason was very professional and awesome through this whole process. He navigated us through some tricky parts in the process and never stopped trying to get us in our dream home in our dream location. I hope to not move for a long time, but if I do I know I would trust him with the process all over again.

Nick Radabaugh

22:20 04 Jul 23

James was great to work with. He was always available to answer questions and worked hard to get us a great mortgage. We couldn't be happier with our new home and our experience with Liberty Capital!

Sarah Rowley

23:13 24 Jun 23

Over the past 2 years I’ve gone through 3 different loan companies trying to by a house. The process was frustrating, difficult, and beyond confusing. I had the total opposite experience with Liberty Capital!Jarrod was fantastic to work with. He explained every step throughly and made sure I understood what needed to happen next. Step by step, day by day, Jarrod was there to help make my transaction, flawless! Yes, flawless!Huge thank you to Jarrod and the Liberty Capital team! Y’all are rockstars! Never thought I could own a home and I couldn’t have done it without you!

Austin Marsico

18:17 23 Jun 23

Shout to the Liberty Capital Services for the best service yet! Being a VA buyer we had quite the runaround with different lenders. I was able to sleep well at night after speaking with James and his team as he was able to give us clear direction and instructions, which was something we struggling with at first when working with different lenders. Long story short, if you want a great home buying experience these are your guys!!!

joe hamilton

14:03 02 Jun 23

James and Laura came through with flying colors. They fought hard and made the almost impossible happen to get the house closed on the correct date. Cleared to close in only 8 days! Due to some seller fixes, the closing date did not seem like it would happen, but James and Laura made sure it did. Highly recommend!

Sue Belton

14:03 24 May 23

Jason was great to work with, made the whoe process understandable and easy.

Daniel Hocking

15:24 23 May 23

Outstanding Service !!!!

Matthew Swisher

14:58 04 May 23

James and his team are great! They all worked tirelessly for us every step of the process from pre-approval to closing. I would highly recommend working with them!

Russell Scheiderer

12:15 04 May 23

James and his team made sure to accomodate us at every turn throughout the process of securing a mortgage for our first home. They truly seemed to have an interest in us and treat us like people and not a commision. They answered all of our silly questions and James specifically made it a point to walk through every step and number along the way to help us keep our sanity. I would recommend James and his team at Liberty Capital Services to anyone looking to finance a home.

Deb Cada

19:17 01 May 23

James did an awesome job. I highly recommend him.

Karen Root

10:16 28 Apr 23

Everyone was so helpful during this process. It took a village to get it done!

Apply Now for a VA Mortgage in Ohio

For those who are eligible, VA mortgages represent some of the most affordable and flexible financing options on the market today.

Do you qualify? During your consultation, we can check your service record and let you know. We also can assist you with documenting your service as required for your application.

Please call (614) 505-0620 to schedule your VA loan consultation in Ohio, California or Florida, and you will be on your way to moving into your new home with zero down.

Free Mortgage Rate Quote

Liberty Capital Services LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.

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What is a VA Loan?