Ben Gerritsen

Lending Manager

NMLS: 285653

801-416-3565

ben@OgdenMortgageLoans.com

Ben Gerritsen Lending Manager

Loan Programs

VA Loans

VA (Veterans Affairs) loans are mortgage loans specifically designed to assist eligible U.S. veterans, active-duty service members, and certain members of the National Guard and Reserves in achieving homeownership. These loans are backed by the U.S. Department of Veterans Affairs, offering numerous advantages, including no down payment requirement, competitive interest rates, and relaxed credit score standards, making them an attractive option for those who have served in the military. VA loans also often feature lower closing costs, making homeownership more accessible to veterans and their families.

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VA Purchase Loans

VA Purchase loans are for active duty military personal and retired veterans to purchase a home.

 

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VA Refinance Loans

VA Refinance Loans are government-backed mortgage loans to help veterans and active duty military personal lower their mortgage payments.

Home Refinance Loans, also known as refinancing, involve replacing an existing mortgage with a new one, typically with different terms or interest rates. Borrowers often pursue refinancing to lower their monthly mortgage payments, reduce their interest rates, or access their home's equity for other financial needs. Refinance options include rate-and-term refinances, which aim to secure better loan terms, and cash-out refinances, allowing homeowners to borrow against their home's equity. The process usually involves a credit check, home appraisal, and evaluation of the borrower's financial situation to determine eligibility and the potential benefits of refinancing.

In some cases a refinance loan might result in higher finance charges over the life of the loan.

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VA IRRL

VA IRRL Refinance loans are a great way to lower the montly papyements on your existing VA Mortgage Loan.

No income needed.

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VA Cash-out Loans

VA Cash-out Loans are available for debt consolidation (paying off debt), home-improvement or 

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VA Jumbo Loans

VA Jumbo loans are a type of mortgage loan designed for purchasing high-value homes that exceed the conventional loan limits set by government-sponsored entities like Fannie Mae and Freddie Mac. They offer the flexibility to finance luxury properties, with competitive interest rates and terms, catering to borrowers with strong credit histories and substantial down payments. VA Jumbo loans typically require larger down payments and stricter credit qualifications, making them suitable for affluent homebuyers and investors seeking high-end real estate.

Jumbo Loans

VA Construction Loans

VA Construction Loans

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The following is a partial list of programs offered by Quick VA Loans with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 801-416-3565.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.