VA Home Loans: A Powerful Expression of Gratitude

At Cambria® Mortgage™, we’re proud to specialize in VA home loans, a powerful loan program available to veterans and other qualified military personnel. Read on to learn more about the program’s many benefits.

With Fourth of July fast approaching, now’s a great time to celebrate the millions of individuals who’ve served our country. At Cambria Mortgage, we’re honored to help these courageous women and men reap the benefits they’ve earned through service. We’re proud to be authorized locally to underwrite VA home loans, available exclusively to veterans, active-duty personnel, reservists, members of the National Guard, and eligible surviving spouses.

An Array of Exclusive Benefits

Backed by the U.S. Department of Veterans Affairs (VA), the VA home loan program is designed to make home ownership easy and affordable. VA home loans can be used for the purchase of a primary residence, such as a single-family home, loft, or condominium. If you do a cash-out refinance on an existing VA or non-VA mortgage, you can use the proceeds for any purpose, including improving a primary residence. The VA loan program offers many exclusive benefits, low closing costs, competitive interest rates, and more.

No savings for a down payment? No problem. One of the greatest benefits of the VA home loan program is that it doesn’t require a down payment, allowing many individuals the opportunity to purchase homes when they normally couldn’t under a traditional mortgage. VA home loans also don’t require private mortgage insurance.

Available to Qualified Military Personnel

To qualify for a VA home loan, an individual must meet at least one of the following criteria:

  • Served 90 consecutive days of active service during wartime
  • Served 181 days of active service during peacetime
  • Served more than six years in the National Guard or Reserves
  • Be a spouse of a service member who died in the line of duty or as the result of a service-related disability

Your Service, Our Honor

Our VA loan experts will help you obtain a certificate of eligibility from the U.S. Department of Veterans Affairs and determine whether a VA home loan is right for you. Once you’ve received a quote, your Cambria Mortgage loan officer can explain your loan limit, loan terms and other key facts, answer any questions, and help you make the right decision.

Britt Peltola

Britt Peltola

Marketing Director

Seasonal Migration; Not Just for The Birds

As the weather takes a turn for the worse, the thought of getting away to a warmer climate becomes more appealing. The term “snowbird” is often used to describe those who migrate from colder climates to sunny locations for extended periods each year. Becoming a snowbird and owning a home in another state can provide more than just a respite from the cold. Read on for more about the benefits of being a snowbird.

Your Service. Our Honor.

VA loans are the most powerful loan programs available and are reserved exclusively for veterans and active-duty service members. Cambria Mortgage considers it an honor to help vets get the benefits they’ve earned with their service to our country. Read on for more information on the exclusive benefits of a VA loan. 

Why A Preapproval Is Key to Your Home Buying Success

Home values are rising. Inventory is low. If you are looking to purchase a home right now, these factors can heavily influence your search. Having a preapproval for your mortgage used to be a nice thing to have; today it is essential and here’s why.

Reverse Mortgage: Why Acting Now Will Help You Get the Most Out Of Your Home

Beginning in October 2017, there are changes coming to the FHA backed Reverse Mortgage program that could affect the funds available to you from your home. If you or someone you know has ever thought about the benefits of a reverse mortgage, now is the time to act. Read on for information on Reverse Mortgages and how to get the most out of your home.

Building Your Dream Home

Many people dream of being able to design and build their dream homes to their exact specifications. Building a new home can be a dream come true, but it can also have its challenges. Read on for more information about building your dream home and construction loans.

Looking at a Fixer-Upper? The Benefits of a Renovation Loan

If you are searching for your dream home and are not finding what you are looking for, it may be time to consider a home that you can purchase and renovate into the home you’ve always wanted. If you don’t have the cash on hand to tackle a renovation after you purchase the home, consider a Renovation Loan. Here are more details and benefits of a Renovation Loan:

Choosing a Down Payment Option That is Right for You

When looking at purchasing a new home, one of the biggest questions that could come up is what to do about the down payment. There are many options for down payments so it is important to find the option that is right for your current situation and your future financial goals.

Rates are Rising: Why Not to Worry

The recent headlines allude to a rising rate environment, but that may not tell the whole picture. While rates have increased slightly in the past few months, they are still near historical lows and should not be seen as a deterrent for buying a home or securing a lower rate with a refinance.

Welcome Home: Discover the Cambria Mortgage Difference

Buying a home is one of the biggest decisions of a lifetime. Given the financial and emotional value of your investment, it makes sense to work with a mortgage company you know and trust. We asked John Schroeder, CEO/President of Cambria® Mortgage™, to explain the hometown difference.

Your Lifestyle, Your Mortgage: Choosing the Right Home Loan

As we swing into the fourth quarter of 2016, it continues to be a strong year for real estate. With historically low interest rates for primary and secondary residence loans, now is a great time to refinance your current home loan, buy a new home, or invest in a vacation home with a mortgage that fits your lifestyle.

Countdown to a New Home

Thinking of buying a new home? The experts at Cambria® Mortgage™ can help you streamline the process, make the right decisions, and enjoy a smooth, stress-free experience.

5 Common Mortgage Myths: Get the Truth from Cambria Mortgage

The idea of getting a home mortgage loan can be daunting, especially if you’re a first-time homebuyer. The good news is that many long-held beliefs about mortgages are no longer true. Here, the experts at Cambria Mortgage explain some of the most common misconceptions.

Discover the Benefits of Reverse Mortgages with Jeff Flanery, CRMP, of Cambria® Mortgage™

As part of Cambria Mortgage’s commitment to helping our customers find the best mortgage loan programs for their needs, Jeff Flanery, CRMP, Reverse Mortgage Specialist with Cambria Mortgage, is hosting a series of seminars for seniors and family members. At these informative, no-obligation seminars, Jeff will explain the many benefits of reverse mortgages, how they work, and who is eligible.

Is a Reverse Mortgage Right for You?

Jeff Flanery, Reverse Sales Manager with Cambria Mortgage, has been helping people transition to reverse mortgages for nearly 14 years. “I work exclusively with reverse mortgages, which is extremely gratifying, as I love helping people extend their nest egg and live better in retirement,” Flanery says. Here, he offers a brief overview of reverse mortgages and their benefits.

Get the Low-Down on Down Payments

A happy family that chose a home loan that best suits their needs and budget. Whether you’re considering building a brand-new home, rehabbing a mid-century treasure, or buying a historic downtown loft, you’ve probably realized there are two key things to consider—what you can afford as a monthly mortgage payment, and what you can afford to “put down” on your home as a down payment.

Save Money On Your Mortgage With an FHA or VA Loan

Thinking of buying a new home or refinancing an existing mortgage? Now’s the time! With low interest rates, flexible requirements, and a long list of other borrower benefits, FHA and VA loans are designed to make home ownership easy and affordable. To find out if you’re eligible, keep reading…