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(619) 758-9696

See why you should speak to a VA Certified Lender first

Learn about your VA Benefits

Welcome To your VA Loan Connection

Low Rates and Closing Costs

Save money on financing your dream home with the powerful advantages of a VA Home Loan.

Wide range of loan options

You can use your VA loan for a regular mortgage, but did you know you can also use it for refinancing and other purposes?

FDIC insured Bank

Your deposits are insured, a member of the Federal Deposit Insurance Corporation (FDIC) (www.fdic.gov). The FDIC insures deposits in all member banks in the United States.

NO Down Payment

No down payment is required in most cases. Conventional loans typically require a 5 percent down payment, and FHA loans require 3.5 percent.

What Is A VA Loan?

Designed to offer long-term financing to American veterans, VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.

Here's how it works:

100% financing without private mortgage insurance or 20% second mortgage.
A VA funding fee of 0 to 3.3% (this fee may be financed) of the loan amount is paid to the VA.
When purchasing a home, veterans may borrow up to 100% of the sales price or reasonable value of the home, whichever is less.
When refinancing a home, veterans may borrow up to 90% of reasonable value in order to refinance where state law allows.

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How Can We Help?

VA Loans make it easier for Veterans of the United States Armed Forces to qualify for and obtain mortgages with flexible terms. At Bank of Internet USA, we make it easier still by offering some of the lowest VA mortgage rates in the nation.