Business Details
12 Years
experience
Trusted VA Loan Services for Veterans in Columbia, MO
Veterans Loans, part of Mid-Continent Funding, Inc., has been dedicated to empowering veterans and active-duty service members with accessible homeownership solutions since 2014. Our team of VA loan experts combines decades of industry experience with a commitment to personalized service, ensuring clients navigate the mortgage process with confidence. Founded on principles of integrity, teamwork, and respect, we prioritize client needs through transparent communication, flexible financing options, and a streamlined application process.Our mission is to deliver unparalleled support, leveraging VA loan benefits such as zero down payments and competitive rates to make homeownership achievable. With a focus on innovation and client satisfaction, we continually refine our processes to meet the evolving needs of those who have served our country.
Services
VA Purchase Loans
VA Refinance Loans
Cash-Out Refinance
IRRRL Refinance
Loan Consultation
Details
- Year established: 2014
Highlights and features
- We offer no-money-down VA loans with flexible credit requirements.
- Our team provides personalized guidance through the entire loan process.
- We specialize in VA loan expertise with a focus on first-time homebuyers.
- We guarantee competitive interest rates and assumable loan options.
- Our streamlined process ensures quick pre-qualification and closing timelines.
What people say
Knowledgeable staff
Prompt communication
Stress-free process
Professionals from start
Smooth refinance experience
Services
VA Purchase Loans
VA Purchase Loans enable veterans to buy single-family homes, condos, or modular properties with zero down payment. These loans offer flexible credit requirements and competitive rates, making homeownership accessible. Veterans benefit from lifetime eligibility and lower closing costs, ensuring affordable financing solutions tailored to their needs.
Cash-Out Refinance
Cash-Out Refinance allows veterans to tap into home equity for debt consolidation or home improvements. This option provides up to 100% LTV financing with no private mortgage insurance. The process includes appraisal requirements and offers fixed-rate terms for long-term financial stability.
IRRRL Refinance
IRRRL Refinance simplifies lowering mortgage rates for existing VA loan holders. This streamlined process requires minimal documentation and no appraisal, reducing monthly payments. Ideal for converting adjustable rates to fixed terms, it ensures veterans retain equity without cash withdrawals.
Loan Consultation
Personalized loan consultations assess eligibility and financial goals for veterans. Experts review credit profiles, income, and property plans to recommend optimal VA loan products. Services include pre-qualification, COE assistance, and guidance on funding fees and closing costs.
Debt Consolidation
Debt consolidation through VA loans combines high-interest debts into a single mortgage payment. This option lowers overall interest costs and simplifies monthly obligations. Veterans benefit from fixed-rate terms and potential tax-deductible interest, enhancing long-term financial health.
People
Annie Doisy
Chief Executive Officer
Annie Doisy leads Veterans Loans with a passion for serving veterans, ensuring the company's mission aligns with client needs. Her leadership emphasizes teamwork and ethical practices.
Matt Riebeling
Senior Loan Officer
Matt Riebeling specializes in VA loans, offering veterans personalized guidance through the mortgage process. His expertise ensures clients achieve homeownership with tailored solutions.
Katy Via
Senior Loan Officer
Katy Via assists veterans in securing VA loans, focusing on transparency and client education. Her dedication ensures a stress-free experience from application to closing.
Amber Hatcher
Senior Loan Officer
Amber Hatcher provides veterans with expert loan advice, prioritizing clear communication and timely support. Her client-centric approach simplifies complex mortgage processes.
Brandi Reynolds
Senior Loan Officer
Brandi Reynolds specializes in VA refinancing, helping veterans reduce payments through streamlined solutions. Her proactive communication ensures clients feel informed and supported.
Questions
What are the eligibility requirements for a VA loan?
Eligibility requires active-duty service (90+ days wartime, 2+ years peacetime), National Guard/Reserve service (6+ years), or surviving spouses. A Certificate of Eligibility confirms qualification.
Can I use a VA loan to purchase a condo?
Yes, VA loans cover condos in VA-approved complexes, ensuring compliance with property standards and owner occupancy ratios.
What are the benefits of a VA cash-out refinance?
VA cash-out refinancing offers up to 100% LTV, no PMI, and competitive rates for home improvements, debt consolidation, or emergency funds.
How long does the VA loan process take?
The process typically takes 30-45 days, depending on documentation speed and appraisal timelines, with expedited options available.
Is there a prepayment penalty for VA loans?
No, VA loans have no prepayment penalties, allowing veterans to pay off mortgages early without additional fees.
What credit score is needed for a VA loan?
While VA guidelines don't set a minimum, lenders typically require a 620+ score for favorable terms, with flexibility for lower scores.
