VA Loans

As a former first responder, My Mortgage Lawyer's founder, Cameron Oxberry, understands some of the hardships our brothers and sisters face on the daily. When it comes to the intracies of purchasing or refinancing your biggest asset, Cameron is here to personally guide you through each step. As an attorney, he establishes a fiduciary relationship with each client.

Whether you're purchasing or refinancing, My Mortgage Lawyer utilizes its 90-lender network and Tier 1, WHOLESALE pricing to find you the very rates and fees in the industry.

A highly favorable option for many military families is the VA home loan, a mortgage guaranteed by the US Department of Veterans Affairs. Notably, this loan option entails ZERO MONEY DOWN PURCHASES, UP TO 100% LOAN-TO-VALUE CASH-OUTS, and NO MONTHLY MORTGAGE INSURANCE for qualified applicants.

VA home loans specifically cater to veterans who have served or are currently serving in the United States Armed Forces, as well as those whose spouses sacrificed their lives in the line of duty. These loans facilitate home purchases and/or refinances at extremely substantially lower rates and fees. Contrary to a common misconception, VA Loan eligibility is not limited to a one-time use or a single loan at a time. Veterans meeting the criteria can utilize the VA LOAN program multiple times, up to their eligibility limits. Second-tier entitlement even allows for simultaneous multiple VA loans.

Compared to conventional mortgages, VA loans feature considerably more relaxed credit requirements, making them accessible to applicants with less-than-perfect credit.

Key Highlights of the VA Loan Program:

• 100% financing – No Down Payment Required
• No Monthly Mortgage Insurance
• 100% loan-to-value on cash-out refinances
• Very relaxed credit standards
• Seller contributions of up to 4% are permitted
• Eligibility extends to a veteran's surviving spouse.
• Streamlined refinance options: IRRRL