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VA Home Loan

Thank you for your service. Eligible service members, veterans and their surviving spouses can obtain a lower-cost mortgage. Premia Relocation Mortgage is an approved VA lender.

You have earned it, so why not use it?

Veteran’s Administration (VA) loans are provided to eligible service members with up to 100% financing and flexible guidelines. While the VA doesn’t provide loan funding, they guarantee a portion of the loan. This allows lenders to relax qualifying guidelines.  *Premia Relocation Mortgage has no affiliation with the US Department of Veterans Affairs or any other government agency.

Benefits of a VA loan:
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Lower interest rates and fees.

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No and low-down payment options  

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Lower credit score requirements

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Higher debt-to-income ratios.

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Common VA questions, answered.

Yes! The Veteran’s Administration (VA) offers jumbo loans to qualifying service members.
VA loans require a Certificate of Eligibility (COE) from the military. Veterans will need to provide DD Form 214 which certifies your discharge. Active military will need to obtain a statement of service from their commander. Typically, you must meet at least one of these requirements:
  • Served 181 days of active service during peacetime.
  • Served 90 consecutive days of active service during wartime.
  • Served more than 6 years of service with the National Guard or Reserves or 90 days under Title 32 with at least 30 of those days being consecutive.
  • Are the spouse of a service member who lost their life in the line of duty or as the result of a service-connected disability. Restrictions apply.
No. VA loans do not require private mortgage insurance (PMI) like other mortgage products. However, the VA does charge a one-time funding fee for those with less than a 20% down payment. This fee is dependent on the size of your down payment and may be rolled into the loan.
Yes. The VA offers a streamline refinance called the Interest Rate Reduction Refinance Loan (IRRRL). The Premia Relocation Mortgage team is an approved VA lender and able to assist with an IRRL refinance.

Since 1987, Premia Relocation Mortgage has built a customer-centric service model based on two principles - great people and industry-leading technology. We combine a knowledgeable mortgage team with an interactive mortgage application to make the mortgage process easy.

The Team
We listen; our experienced team averages over 15 years in the mortgage industry and can offer choices fitting the needs of all types of buyers. They will treat you like family and strive to exceed your expectations.

The Technology
Our DigitalMoveTM technology eases the process. With anytime-access, you will not wonder about where you are in the mortgage process.

  • Pre-purchase approvals that bring power to the negotiation table
  • Enhanced Security during the mortgage process
  • Electronic verification of employment, income and assets
  • Waiving the need for an onsite appraisal for qualifying buyers
  • DigitalMoveTM eClosing *DigitalMoveTM eClosing availability based on state and closing agent.

We've got stars and we're proud...

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Rob T.

APR 29, 2021

“Jim and Ted both went above and beyond to process our loan in record time! They were both absolutely great to deal with!” - ”Jim and Ted both went above and beyond to process our loan in record time! They were both absolutely great to deal with!”

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Matthew J.

FEB 19, 2021

“Jeff was very knowledgeable regarding us using my VA Loan and helped us lock-in a long term rate. This was a huge plus since we were building a house and wanted to secure a rate on the front end to eliminate any unexpected surprises.”

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Justin R.

MAY 29, 2021

“Jason West was great to work with. I felt he did everything he could to ensure we had a successful and straight forward process. He was very proactive and transparent throughout the loan process and was available to take a call at any time.”

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Prasad S.

APR 19, 2021

“Both Frank and Dan demonstrated the highest levels of professionalism in handling my mortgage. I wish them every success in their future endeavors.”

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Matthew J.

MAR 2, 2021

“The whole process was well managed by Joseph and team. It was easy, transparent and honest. I really enjoyed working with Premia Relocation Mortgage team. Thank you!!!”

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Yantian P.

DEC 31, 2020

“Overall I had a great experience at Premia Relocation Mortgage. Billy Nocita my mortgage consultant and Alyse Martin my Loan Processor were awesome. They did a great job. Responded to my calls on time and explain the mortgage loan and processes clearly in simple terms for me to understand. Billy always sounded happy in our conversation and the help me to relax. Moving or relocating is very stressful, so it was great to have that.”

Have questions about VA Loans? We have answers.