Mortgage Loans for Veterans

Advantages of VA Loans

LOWER RATES

Low interest rates on VA home loans make a mortgage from Mutual of Omaha Mortgage more affordable to you.
LOWER FEES

VA loans are loaded with cost-cutting benefits to lower your payment at closing.
NO DOWN PAYMENT

Insured by a federal guarantee, a VA loan never requires down payment on the principle balance.

Of the 20+ million active duty service members and veterans with mortgages, a 2014 report shows less than 12% are utilizing their VA mortgage benefit*.

*According to a 2014 report on Department of Veterans Affairs loan guarantee data.

VA Loans vs. Conventional Loans

VA Loans are mortgages from approved lenders - like Mutual of Omaha Mortgage - with a federal guaranty. More than 20 million veterans and their families have benefited from VA loans for more than 70 years. Mutual of Omaha Mortgage's mission is to increase that number exponentially, as we believe that too few qualified veterans and active-duty service members use their VA home loan programs. It is our civic duty to find a home loan veterans can afford, and to help them achieve their goals of home ownership.

Regulations and Fees

While the VA Loan is a federal program, the government generally does not make direct loans to veterans. Private lenders, including Mutual of Omaha Mortgage, finance the loan while the Department of Veterans Affairs offers a guaranty. This guaranty provides incentive for private lenders to offer loans with better terms.

Loan Limits
In the past, loan limits for VA loans were determined based on the county the Orion Talent client is buying in. Because of a regulation change, there is no longer a limit on the size of a VA loan as long as this is the only VA loan that the Orion Talent client has. Mutual of Omaha Mortgage offers VA loans up to $2,000,000. This means that the eligible Orion Talent client can buy a home at any amount with no down payment required. There are some restrictions, please contact Mutual of Omaha Mortgage for more details.

Mutual of Omaha Mortgage is offering exclusive benefits through its partnership with Orion.

Benefits include:

Orion Talent Client will receive a great rate. The same rates we give our friends and family clients, which is .25% less than our standard rate as shown on the Mutual of Omaha Mortgage website, subject to credit approval.
No Lender Fees - No Origination Fee, No Lender Closing Fee, Processing and Underwriting fees are waived on VA Loans. The borrower is responsible for third party fees such as title charges, appraisal charges, home owners insurance, real estate and transfer taxes.
If Orion Talent client is not a veteran, the lender charges total $275 on any loan type.
If Orion Talent Client is buying or selling a home a generous rebate program has been negotiated with a national realtor network. If Orion Talent Client buys a home for $375,000, the client will receive a rebate of $2,250. This rebate can be stacked in the case where the client is buying and selling a home. Please see chart for rebate program and examples.

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