Earned, Not Given

If you’re a veteran or eligible service member looking to purchase a home in Nebraska, Capital City Mortgage’s VA Purchase Loan is tailored for you. Designed to support veterans in homeownership, this program boasts several benefits and flexible terms. Here are some key advantages of our VA Purchase Loans:

1. No Down Payment: Among the top benefits of the VA home loan is no down payment requirement. This enables you to finance the entire purchase price, keeping more funds in your pocket. 

2. Competitive Interest Rates: Unlike traditional banks, we have the ability to shop multiple lenders. Obtaining a VA loan with Capital City Mortgage can significantly benefit your long-term goals and lower your monthly mortgage payments.

3. No Private Mortgage Insurance (PMI): Unlike conventional and FHA loans, VA Purchase Loans eliminate the need for PMI. This results in lower monthly mortgage payments and substantial savings over time.

4. Simple Qualification: VA mortgages feature more relaxed income and credit requirements than other programs. This widens the accessibility of homeownership to veterans who may have encountered financial challenges in the past or are in the initial stages of establishing their credit history.

5. Flexible Repayment Options: VA loans offer a variety of repayment options, including fixed-rate and adjustable-rate mortgages, allowing you to choose the one that aligns best with your long-term goals and current financial situation.

6. Renewable VA Home Loan Entitlement: Veterans have the ability to utilize their VA mortgage entitlement multiple times, offering flexibility and affordability in the pursuit of homeownership. This renewable entitlement ensures veterans can secure favorable loan terms and housing options at all stages of life.

Tap into the full potential of your homeownership and elevate your financial standing with our hassle-free VA Refinance. Discover the numerous benefits awaiting when you choose Capital City Mortgage for your VA refinance needs:

1. VA Cash-Out Refinance: Harness the power of your home’s equity with a VA Cash-Out Refinance. Convert equity into cash for various purposes, such as weddings, college, dream vacations, or home improvements. Choosing this option helps you avoid high-interest credit cards and personal loans, while also securing funds at a lower interest rate. 

2. VA Streamline Refinance: With the Interest Rate Reduction Refinance Loan (IRRRL), you may be able to refinance your current VA loan and receive a lower interest rate and a smaller monthly mortgage payment. For veterans looking to take advantage of lower rates or move from an adjustable-rate mortgage to a fixed-rate mortgage, it’s an easy and economical choice.

3. Debt Consolidation: Take control of your financial future with a VA Debt Consolidation Loan. By merging your higher-interest debt into a lower-interest mortgage, you’re not only simplifying your finances but also unlocking opportunities. Picture the possibilities with extra money each month: invest in your future, achieve financial milestones, or relish the peace of mind that accompanies reduced financial stress. Don’t let high-interest debt hinder your progress. Seize control of your finances with a cash-out VA Loan and begin reaping the rewards today.

4. Flexible Terms: Our VA Refinance Loans provide a range of options to meet your specific financial needs. Whether you prefer transitioning from an adjustable-rate mortgage to a fixed-rate one, extending your loan term for more manageable monthly payments, or reducing your term for a faster payoff, we offer solutions tailored to your goals.