Sufficient income needs to be verified to qualify.
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The credit requirement of both the VA and lender need to be satisfied for financing.
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Any funds required for closing costs or down payment need to be verified.
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VA eligibility needs to be confirmed with a Certificate of Eligibility.
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Buy a home with No Money Down and No Maximum Loan Limits
Refinance up to 100% of the current value of your home
Lower rates and No monthly PMI to save you money on your payments
We have some of the lowest VA rates
We do not charge a 1% origination fee like the some lenders
We have over 20 years of working with veterans
We close VA loans in all 50 states
The VA permits a variety of properties that can be financed with the veteran home loan program.
Single family dweling without shared common walls and includes land.
2-4 unit properties with shared common walls and includes land.
Single family dwellings with shared common walls and includes land.
Single family dwellings with or without shared common walls and does not include land.
Factory built property that can be placed on a piece land.
A rural single family home usually with acreage, and may include outbuildings.
VA home purchase mortgages offer qualified Veterans the ability to buy a home with no down payment. Much less than either a conventional or FHA mortgage.
Earn cash rewards towards the sale or purchase of your next home with a VREB network agent. Through our partnership VREB, will connect you with a veteran friendly realtor in your area to assist you with the home buying or selling process. There’s no catch or hidden cost. Contact us today for all the details.
Mr. Klenda has helped us with 4 VA loans in the past 3 years. The company does not make the person, but the person makes the company, and I will recommend Josh's team to anyone who needs a home loan.
I have used Josh 3 times, and every time has been awesome! I made two loans refinances and one home purchase; Josh's team gets it done and is with you all the way through the process!
Josh's team did a fantastic job for us. He was always extremely proactive and responsive to any calls. Overall, Josh spent a lot of time on our case and went the extra mile. He was a pleasure to work with and has a nice way about him but at the same time is a true professional.
Complete our online application, or call us at 866-946-1233 and connect with a VA experts to review your qualifications.
Return your supporting documents to us for review via our secured website, fax, or by mail. We’ll validate your application and generate a prequalification letter.
Now the fun begins. You can begin your house search confident your VA prequalification is complete. Once you receive an acceptable offer, we'll start the process of completing your VA mortgage transaction.
Earn cash rewards towards the sale or purchase of your next home with a VREB network agent. Through our partnership VREB, will connect you with a veteran friendly realtor in your area to assist you with the home buying or selling process. There’s no catch or hidden cost. Contact us today for all the details.
SmartVALoans.com is a service of Community First National Bank
VA Approved Lender, not a government agency.
Member FDIC Insured #35585 – Equal Housing Lender
NMLS ID #449196 NMLS Consumer Access Page
Community First National Bank
11900 W. 87th Street Pkwy, Suite 115
Lenexa KS 66215
