VA Loans

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Without you, we wouldn't be the land of the free

We owe a lot to people willing to serve in the Army, Navy, Air Force, Marines, and other armed services. At a certain point, it's time to pay you back. VA Loans, backed by the Department of Veterans Affairs, come with a long list of benefits that make home ownership more affordable, such as lower interest rates and 0% down payment requirements.
  • Active duty military, retired military, veterans, reservists and surviving military spouses are eligible for VA Loans (a certificate of eligibility is required from the VA before you can apply)
  • No down payment
  • No private mortgage insurance
  • Limits on closing costs
  • Relaxed credit requirements
  • 15-year and 30-year terms available
  • Work with local KEMBA Financial Credit Union professionals and not a government agency
  • Refinancing options available

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Offer valid for refinancing of VA home loans only. If you have a second mortgage on the home the holder must agree to make your new VA-backed loan the first mortgage. VA IRRRLs are not available for investment properties. VA loans require an upfront, one-time payment called a VA funding fee of 0.5%, collected at closing, and is non-refundable.

VA IRRRL: All VA rules, guidelines and additional program requirements will apply. Except as provided by applicable VA guidelines, the same parties obligated on the original loan must be the parties on the title and obligated on the new loan. Proceeds from the new loan will only be used toward payment of the original loan amount. No cash back can be received from the new loan. Refinancing either to lower the monthly payment or change from a variable-rate to a fixed-rate loan could result in an increase in the total number of monthly payments and interest charges paid over the full term of the new loan.

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