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 129 reviews

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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!

Teresa Aderhold

21:52 24 Apr 23

Bryce what a great guy...Answered phone calls day and night I don't care what time it was he was there for us. Made everything easy and made sure we understood everything 💯

Trevor Seibel

19:45 21 Apr 23

Jason is easy to work with , generally funny, and works to make the lending process as easy as possible. He promised to make the process, “as easy as renting an apartment,” and he did!

Carrie

14:19 19 Apr 23

James and his team worked with us on our first home purchase. They were super responsive and helpful every step of the way. I can’t recommend them enough!

Sheridan Seitz

22:57 30 Mar 23

Victoria Quinones

23:41 29 Mar 23

I had the pleasure of working with Jason Krasnow and I couldn’t have asked for a better person to represent me. Jason walked me throughout the whole process of purchasing my first home from a professional and emotional perspective. Purchasing a home can be an emotional roller coaster but Jason was there to answer any questions I had no matter the time of day. Every time we spoke I always felt I had his full attention to any concerns I may have had. He went above and beyond to make sure everything went as smooth as possible until closing. I highly recommend using his services. Jason is a rockstar!

Michel Vielot

19:48 21 Mar 23

Great experience, Jason Krasnow theLoan Originator was very knowledgeable, helpful, and thoughtful. We definitely recommend working with him!

Elisabeth Rinehart

13:40 21 Mar 23

James and Team at Liberty Capital were so thorough, timely and got everything done within the time frame promised. We closed on our house in 21 days and we couldn’t be happier! My sister and I are so excited to make our home into our dream!

Ndemaloah Paul

09:45 15 Mar 23

Working with James is a blessing. He has a wonderful and amazing team that eases the whole loan process.They are fast and excellent in communication. I will recommend Liberty Capital Services to anyone who wants to buy a property.Good job guys

Anna Criddle

01:18 15 Mar 23

James McBain and his team are hands down the best lenders in the business. FromStart to finish updates weekly and exceptionalCustomer service. I know because I have been a realtor for 24 years. My buyers were extremely grateful to have James and his team provide a stress free and smooth transaction.Thank you James and your team for an tremendous experience.Anna

Allison Jett

01:39 10 Mar 23

Made first time home buying easy, and frequent & quick communication ensured we were able to do everything immediately :3 Ken and Bryce did a great job with everything and are very friendly too!

Trent McMurray

23:43 27 Feb 23

James McBain was absolutely amazing and got my deal completed effortlessly!

Erin Colachis

15:23 27 Feb 23

James was very helpful during our process of home buying and answered any questions we had very quickly.

Aiyana Cross

00:41 11 Feb 23

I was referred to Liberty Capital by my realtor and I’m so happy I found them. James and Laura made the process so easy and simple and kept me updated the entire time.

Alex Phil

16:53 09 Feb 23

Jason was so helpful and compassionate! We had an excellent home buying experience. We were prepared for every step with his guidance and massive knowledge of the process. He helped us get through it, and We would highly recommend working with him!

Ben Hamlin

19:24 01 Feb 23

James McBain was great! Super detailed and excellent communication throughout the entire process.

Katie Palombaro

20:56 10 Jan 23

James was AMAZING throughout my entire process of buying my first home! When putting in multiple offers he was always there and ready to help to ensure I was able to put in offers same day. His experience allowed him to find the best product for me and explain everything throughout the process! I was cleared to close early which directly reflects the attention to detail on his end. Very happy with James and Liberty Capital.

michael hopewell

12:48 24 Dec 22

At the end of the day james,Laura, and the Liberty capital staff feel like family they were patient kind and got the house closed for me,2x ,thank you guys from the bottom of my heart.

Collin Massie

22:58 19 Dec 22

My wife and I recently purchased our first home with the help of Mr. Ken Wichman and his right hand man, Bryce Kuhl. I can’t say enough good things about this dynamic duo. They were on top of all of their tasks, and were extremely responsive with any questions we had (we had a lot).Not only are they the best at their respective jobs, but they were very courteous and grateful for myself, and all veterans who have served in our armed forces.They hands down get 5 stars from us!Thank you very much Ken and Bryce, and I look forward to seeing you guys again!Go Bucks!

Chee Chee Mcgowan

17:49 16 Dec 22

I wish there was 1 million stars I could give Liberty Capital. James & Laura are phenomenal. If you want to get a deal done & know you’re in great hands. Take your business to Liberty Capital. James & Laura will work effortlessly for you.

Solmar Hernandez

06:16 24 Nov 22

Estamos súper agradecidos con Liberty Capital Service LLC y especialmente con Ken Wichman por haber sido el canal de Bendición para hacer nuestro sueño realidad de obtener nuestro préstamo para la Casa 🏠 gracias eternamente agradecida son los mejores 🤗

Mike Hood

20:42 21 Nov 22

Moving over 1,500 miles from North Texas back to Central Ohio, it was critical for my Wife and I to find a reliable and trustworthy resource for the financing of our home. James worked tirelessly with us, sometimes late on Saturdays and Sundays to ensure we had a competitive offer and approval letter in place. He also made sure on the back end that we felt comfortable with the rate, the financial institution we jointly chose and how this investment would affect our family in the long run. I would recommend James and his team for all of your mortgage and refinancing needs, he's the best in the industry!

Bianca Ardevela

21:58 13 Nov 22

I just closed on my property with the help of Jason from Liberty Capital Services. Jason went above and beyond my expectations in assisting us throughout this whole process. He was always so responsive, thorough, and very nice in explaining and answering my plethora of questions. He had a lot of patience when I was going back and forth between another competitor and ultimately he was able to find me a better quote. Jason is an excellent asset to this team and I am very grateful that I got to work with him. We will definitely be doing more work with him in the future. Thank you so much, Jason!! Ken and I greatly appreciate you.

Robert Moore

14:19 20 Oct 22

Liberty Capital did an outstanding job getting our family second home in the Tampa FL area. The process was fast and easy! I 100% recommend Liberty Capital for all your mortgage loans and refinances needs their team will do an excellent job you will not be disappointed!

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.

VA Loans
in Ohio

What is a VA Loan?