NMLS #38072(740) 314-5324
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Veterans

VA Loans

VA loans are the strongest purchase tool we have when the buyer earned the benefit. Zero down, no monthly PMI, and a file this branch knows how to close in Ohio, West Virginia, and Pennsylvania.

Apply for VACall (740) 314-5324

A VA loan is guaranteed by the Department of Veterans Affairs. Entitlement, occupancy, and residual income rules are specific. We pull the Certificate of Eligibility and structure the file around remaining entitlement.

We see VA purchases and refinances out of the Ohio Valley — Steubenville, Wintersville, Weirton, Wheeling — and from Licking and Tuscarawas County veterans who want the file local.

Funding fee exemptions apply for many disabled veterans. We check that before we quote a cash-to-close number.

Who this is for

  • Veterans and active duty with usable entitlement
  • Surviving spouses who qualify under VA rules
  • VA-to-VA refinances and cash-out when equity and occupancy line up

How the file runs

  1. COE and service documentation.
  2. Pre-approval with residual income and occupancy in view.
  3. VA appraisal, underwrite, and a close date that holds.

Where we use VA

VA files run from both offices. Wheeling, Weirton, and Steubenville see regular VA purchase volume. Licking and Tuscarawas veterans use the Newark desk.

Questions

Do I need a down payment on VA?
Most purchase files are zero down when entitlement covers the loan amount.
Is there monthly PMI?
No monthly mortgage insurance. There is a funding fee unless you are exempt.
Can a surviving spouse use VA?
In many cases yes. We confirm eligibility before we write the pre-approval.

Polaris Home Funding Corp. is not acting on behalf of or at the direction of HUD, FHA, USDA, VA, or the federal government. Program rules change. We confirm eligibility on the file.

Start here

Start a VA application

Start the official application, call the branch, or leave a name. Someone calls back.

Start ApplicationCall (740) 314-5324

Inquiry

Name, phone, email.

No application. No credit pull.

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Updated: 11/10/26