VA Home Loans

Because of your honorable service and hard work, you may be eligible to take advantage of a VA home loan, which may save you thousands of dollars during the life of your loan.*


Find out if you can get approved for a VA Home Loan, and how eligibility is determined.


The VA Loan process can be summed up in five simple steps. See how easy it can be!


A low interest rate is just one of the benefits of having a VA Home Loan. See how competitive our rates are!

What Is A VA Home Loan?

The original GI Bill was created in 1944 and, because of it, the Department of Veterans Affairs (VA) has been able to guarantee over $911 billion dollars in VA mortgage loans.

With a VA home loan, you don’t have to put any money down when purchasing your new home. Veterans are not allowed to pay many of the typical closing costs involved in a standard refinance; this saves you hundreds of dollars when it is time to finalize your new loan.* Find out more about the available savings and opportunities that come along with utilizing your benefits.

The savings and benefits of your VA home loan may continue through the entire life of the loan. You can refinance with the lowest interest rates available. It is exceptionally easy to refinance your VA loan and, during the life of your loan, might save thousands of dollars.*

Make sure that you work only with the best when you make the decision to utilize your VA home loan benefit. All VA loan specialists are certainly not equal, and the same programs are not offered by all lenders. If you want to save money and time, and avoid frustration, contact a VA loan specialist at Intercap Lending.*

Home financing through the VA home loan program has fewer credit and income qualifications, making it easier for eligible veterans to qualify. There are many VA loans completed for veterans who might not have qualified in another home financing situation.

With all of the benefits of a VA loan, it becomes an easy choice when deciding which mortgage program you would want to utilize. Contact Intercap Lending, Inc. to learn more about your VA mortgage benefits, and to work with the most experienced and trusted professionals.

Am I Eligible For A VA Loan?

If you don’t have your VA Certificate of Eligibility (COE) yet, we can help you get it. Application for your COE is easy and simple. When you decide to become a homeowner or to refinance with a VA home loan, you will save yourself a lot of time.*

The U.S. military has provided a Basic Allowance for Housing (BAH) to many military members. This benefit will be valuable since it allows the lender to easily calculate and validate the loan amount for which you qualify along with the ability to repay. It is not intended by the military for the BAH to help pay for your mortgage, but rather as part of the qualification process. It will be valuable to you as you continue in the VA mortgage process.

VA Home Loan Eligibility

VA Home Loan Eligibility

How Do I Get A VA Loan?

Most conventional bank loans can be difficult and tedious - this is not the case with VA mortgage loans. Many factors determine your eligibility for a VA home loan. If you are, or were, actively involved in the military, then you may qualify for VA eligibility. Use your VA benefits today to get a VA home loan!

Two primary benefits of a VA home loan include: 100% financing, and no money down. Also, credit requirements are not nearly as stringent as other mortgage programs. The easiest way to get started is to call Intercap Lending Inc. at (888) 643-2133.

If you are interested in learning out more about your benefits and how you can save thousands of dollars, contact us today with no obligation or cost to you.* Once you talk to us at Intercap Lending, we will be able to determine your eligibility with the VA.

If you are thinking about purchasing a home, now is a great time to do so; if you have a current loan, then contact us today to ensure you have the lowest interest rate available. Even if you have been denied by other lenders, there are other programs available, and they are constantly changing. There will be no cost to you when you find out how you can save money with Intercap.*

Here is the simple VA home loan process:

1. Determine your eligibility

2. View and inspect your home

3. Request your home loan

4. Appraise your property

5. Close your home loan

Please have the following documents and information available to make it a smoother and more convenient process for you:

  • Social Security Number(s)
  • Last 2 years of your housing history
  • Last 2 years of your employment history
  • Current gross income
  • Certificate of Eligibility
  • W-2s for the last 2 years

Please don’t hesitate to contact us for any assistance or clarification regarding the application process: (888) 643-2133.

Of all the types of mortgages, VA mortgages could be the easiest to deal with when it comes to qualification and documentation requirements. If you know you are eligible for a VA home loan, then it is a good idea to contact us and find out what other benefits you may have to apply toward your home loan.

What Are The VA Loan Rates?

A lower interest rate is arguably the greatest benefit when comparing a VA home loan with that of a conventional bank. VA interest rates are typically half to a full one percent lower than conventional home loan interest rates. How valuable would you say one percent is with your current interest rate? One percent could be the difference between buying a $200,000 home or another for $180,000 at a higher interest rate. A VA home loan makes it so you can afford much more. You definitely gain purchasing power when you go with a VA home loan.

The lower interest rate is only the beginning of the many potential savings and benefits of having a VA home loan: you will save money at closing; there are multiple opportunities to save money on your monthly mortgage payment, along with your lower interest rates; and, if you decided to sell or refinance your home, there are many other benefits.*

A common question we hear is “Why are VA rates lower than conventional rates?”

The answer is simple: The VA has a loan guarantee that gives less risk to VA mortgage lenders, allowing them to offer veterans lower interest rates. You will save hundreds of dollars monthly and thousands over the lifetime of the loan when you have a VA loan.*

You will savings and benefits during the life or your loan when you get a VA home loan. Be sure to work with the best when you make the decision to apply for a VA home loan. If you have any questions or concerns, call us at Intercap toll free at (888) 643-2133.

Another benefit of the VA mortgage loan, which is often overlooked, is that there is not Private Mortgage Insurance or PMI. Conventional bank loans typically include a PMI charge if your loan to value is greater than 80%; whereas, with a VA mortgage loan, you won't have to pay PMI.

Give us a call today and see how much money you can save (888) 643-2133*