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VA Mortgage Loan Information

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VA Home Purchase

Enjoy the benefits of a VA home loan with nbkc:

  • No lender fees
  • No required origination fees
  • No underwriting fees
  • No processing fees
  • Financing in all 50 states
  • Low, competitive rates
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VA Streamline Refinance Loan

If you currently have a VA mortgage loan and are a veteran or in active service, a new VA loan refinancing option could help lower your payment. A VA streamline refinance is a refinancing option for current VA mortgage holders that allows the borrower to lower their interest rate with minimal or no out-of-pocket costs.

A VA streamline refinance loan (IRRRL - Interest Rate Reduction Refinancing Loan) is an easy and efficient option for veterans and military personnel to begin saving immediately, but it is only available to veterans and active service personnel who used their VA eligibility when they initially purchased their home.

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VA Loan Checklist

To start the VA mortgage loan process, nbkc will need the following information from all loan applicants.

  • Street addresses where you have lived for the past two years
  • Names and addresses of your employers during the past two years
  • Your current pre-tax monthly salary
  • Names, account numbers and balances on all liquid asset accounts (checking, savings, money markets, IRA's, etc.)
  • Addresses and loan information of any other real estate owned
  • Certificate of Eligibility and DD214 (if no longer active duty)
  • W2's for the past two years
  • Most recent month of paycheck stubs
  • If self-employed, you will need to provide the last two federal tax returns.
  • If you have a service related disability, inform your lender to get the funding fee waived.
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