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

Joshua Yakunich
Joshua Yakunich
18:29 14 Oct 19
James was a pleasure to work with. I truly felt like he was working for me, to help me through the process of buying a home. He also offered excellent tips on how to structure the loan when it came to the down payment and buying points. I’d recommend him to anyone.read more
Marcus Gorman
Marcus Gorman
16:08 14 Oct 19
James and his team were incredibly helpful with our refinance. Always available, always helpful and never put out by change requests this was truly a great experience. We look forward to completing our kitchen remodel. Thanks again James and Liberty!!!read more
Bobbi Jo Cea
Bobbi Jo Cea
13:56 15 Aug 19
it's been a few years since I bought real Estate. I can tell though James and his team at Liberty Capital were amazing during the process. They were able to find the product to get my deal done, a rehab loan is a little different. Their team made my dream home a reality!read more
Bobbi Jo Cea
Bobbi Jo Cea
13:56 15 Aug 19
it's been a few years since I bought real Estate. I can tell though James and his team at Liberty Capital were amazing during the process. They were able to find the product to get my deal done, a rehab loan is a little different. Their team made my dream home a reality!read more
Jeff Musi
Jeff Musi
16:07 14 Aug 19
Used Liberty Capital for a refinance and was pleased with the ease of getting it done. Everything went smoothly and their automated system was very efficient for information transfer. James and his team did an outstanding job! If you are getting a loan or refinance, I strongly suggest that you contact this team.read more
Jared Kenyon
Jared Kenyon
15:21 14 Aug 19
James is the ultimate professional and was able to make a very stressful process very smooth. He has a unique ability to look at all scenarios in a unique way so that you get the best deal possible. I would definitely recommend James McBain to any friends or family who are looking to purchase or refinance a home.read more
Brian Ramey
Brian Ramey
00:36 21 Jun 19
This is the second time we have worked with James getting financing for a home purchase. He has been amazing to work with both times. He is extremely knowledgeable, responds quickly and just someone you know you can trust- which is extremely important when making such a large purchase. I would recommend James to anyone!read more
Marc s
Marc s
16:33 29 May 19
Ken, James and the whole team at liberty loans are the only people I would ever recommend for a home loan or refi! To put it simply, they just know how to get the deal closed!
Stefanie Villasante
Stefanie Villasante
14:30 29 May 19
Liberty Capitol was great to work with. Ken, James, and ESPECIALLY Laura all made the closing process so smooth and easy. If I needed anything they were an email, phone call, or text away. They kept costs low for me, and saved me money on my closing. If I ever buy another house, I wouldn't hesitate to use them again. Great team, nice people!read more
Lani Ciera
Lani Ciera
13:39 22 May 19
My husband and I just closed on our first home yesterday and we couldn't have done it without James and his amazing team at Liberty Capital Services! James actively worked with us throughout the entire process; helped us to improve our credit, didn't pressure us or make us fear for this huge purchase, and made the entire process enjoyable and stress free! He and his team are amazing and truly care about their clients. Thank you Liberty Capital!read more
Ian Mcmahan
Ian Mcmahan
11:17 22 May 19
If you are thinking of buying or refinancing your new home, well look no further! James from Liberty Capital made our first home buying process effortless and stress free. He and his team were absolutely amazing and we were lucky enough to have worked with them!read more
Alexandra Tran
Alexandra Tran
20:00 22 Apr 19
I had a great experience with Liberty Capital. They made the process extremely easy and I was able to close sooner than expected. They really made the process seamless and I recommend them to anyone looking to buy a home!read more
Robert Moore
Robert Moore
19:42 22 Apr 19
I strongly recommend Liberty Capital. They were straightforward and were extremely FAST and HELPFUL with the entire process. I highly recommend Liberty Capital they were consummate professionals during the mortgage process.read more
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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.

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