VA Home Loans

VA Home Loans for U.S. Veterans

VA home loans from GMFS Mortgage have reduced fees for U.S. military veterans. VA loans are typically the best loan option for first time home buyers if one of the borrowers is a veteran. Use the calculator below to calculate your VA loan payments.

Soldier walking with young family

VA Home Loan Features

  • 100% financing
  • No income limits or restrictions
  • Maximum loan amount varies based on entitlement
  • Expanded qualifying ratios and flexible credit guidelines*
  • Veterans Administration Funding fee based on military status (financeable)
  • Can be used to purchase a house for your primary residence, as well as, to refinance for cashout
  • Check eligibility for VA loans online at Veterans Benefits Administration website.

VA Loan Payment Calculator

va home loan home loans for military service members

Thank you For Your Service U.S. Military Service Members. GMFS Mortgage is a 5 star VA home loan lender that has helped over 7,300 U.S. Veteran families achieve the American dream of homeownership with over $1.7 billion in funding!

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*For eligible Veterans only 
*Government loans such as FHA, USDA and VA typically have more flexible guidelines than conventional loans but interest rates are typically higher. Not a commitment to lend. All loans subject to credit and property approval. 
*Not a commitment to lend.  All loans subject to credit and property approval.  The following terms are for illustrative purposes only.  Rates, payments, and loans terms vary by consumer based on their individual qualifying information.   The payment amount illustrated does not include the amounts for taxes, property insurance, or mortgage insurance. 

Purchase PriceLoan AmountInterest RateAPRTerm
$239,000$227,0506.5%6.725%30
Rating: 5 out of 5

All I can say is Will was great in helping us getting our nome We will never forget Will thank you Will

Jackie Faye W.

Calera, AL
Rating: 5 out of 5

Working with John Graeber was an absolute pleasure! From the very beginning, he made the mortgage process smooth, stress-free, and transparent. He took the time to explain every detail, answered all our questions promptly, and provided the best possible loan options tailored to our needs. His professionalism, expertise, and dedication…

Working with John Graeber was an absolute pleasure! From the very beginning, he made the mortgage process smooth, stress-free, and transparent. He took the time to explain every detail, answered all our questions promptly, and provided the best possible loan options tailored to our needs.

His professionalism, expertise, and dedication were truly exceptional. Communication was top-notch, and I always felt informed and supported. I highly recommend him to anyone looking for a trustworthy and efficient mortgage lender. Thank you for making my first home-buying experience seamless and enjoyable!

Celeste B.

Rating: 5 out of 5

Working with John Graeber was an absolute pleasure! From the very beginning, he made the mortgage process smooth, stress-free, and transparent. He took the time to explain every detail, answered all our questions promptly, and provided the best possible loan options tailored to our needs.

His professionalism, expertise, and dedication were truly exceptional. Communication was top-notch, and I always felt informed and supported. I highly recommend him to anyone looking for a trustworthy and efficient mortgage lender. Thank you for making my first home-buying experience seamless and enjoyable!

Celeste B.

Rating: 5 out of 5

GMFS–Ashley especially–have been easy to do business with. From the very beginning of the mortgage process to the present, she has been there to answer questions and support our mortgage.

Kyle K.

Rating: 5 out of 5

comunication and overall work

Brandon Lee C.

Quitman, MS
Rating: 5 out of 5

Great Customer Service and Friendly Staff!

Jackie M.

What Sets Us Apart

A Lender Who Cares

With GMFS Mortgage, you’re not just getting a loan—you’re getting a team that’s all in, every step of the way.

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Established

Since 1999, we’ve helped over 150,000 people across 23 states become homeowners.

Efficient

Everything from processing to closing happens under one roof. That means fewer hiccups…and more high-fives.

Trusted

A+ BBB rating. Torch Award for Marketplace Trust. A reputation built on doing the right thing.

Experienced

Our team averages 14+ years in the industry—and a lifetime of showing up for our clients.