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VA Loans in El Paso

Rocky Mountain Mortgage Company is a professional mortgage lender with dedicated home lending services for military service members and military veterans. We have VA home loan consultants available to help you move into your new Texas home. Our team is dedicated to you and your family. We will work with you throughout the home buying process and ensure that you receive maximum government assistance with your VA home loan. If you are experiencing problems with your credit, need help finding a realtor, or have concerns about the home buying process, Rocky Mountain Mortgage Company can step in to help!

Who Can Qualify for VA Home Loans 

In order to be granted a VA loan, you or your spouse must meet the basic service requirements established by the Department of Veterans Affairs, have a valid Certificate of Eligibility (COE), and meet one or more of the following criteria: 

  • Served 90 consecutive days of active service during wartime
  • Served 181 consecutive days of active service during peacetime
  • Six years of service in the National Guard or Reserves
  • Surviving spouse of a service member who has died in the line of duty or as a result of a service-related disability 

The Benefits of a VA Home Loan

Being granted a VA home loan is accompanied by benefits for all who are eligible and decide to apply. VA home loans do not require down payments, providing a guarantee of a no-money-down opportunity. These specialized loans also offer an advantage of no mortgage insurance requirements and low closing costs. Most mortgage applications are rather strict on who can apply, but with a VA home loan the eligibility criteria is much clearer and you know when you’ll be able to meet the minimal requirements. Also, having a no mortgage insurance requirement can help you save money upfront and over time. Most importantly, you will find that your credit and income will become much more flexible and manageable, making it easier for eligible borrowers to qualify. Rocky Mountain Mortgage Company can guarantee that these benefits will work in your favor.

What the VA Loan Application Entails 

There are required documents that borrowers will need to provide in order to begin the application of a VA home loan. These documents regard both military service and personal income. The documents include but are not limited to:

  • Veteran’s VA Certificate of Eligibility
  • Past 2 years W2 statements
  • Most recent LES or pay stubs
  • Most recent bank statements
  • Copy of DD214 (if the veteran has been discharged from his line of service)

Choose Rocky Mountain Mortgage Company to Apply for a VA Home Loan 

Our team of mortgage lenders always look forward to serving you and working with you on your VA mortgage loan. You can contact Rocky Mountain Mortgage Company at (915) 593-3111 or by sending a message through our online Customer Service Center. 
 

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We have helped more than 20,000 El Paso families realize their dream of HOME OWNERSHIP.

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Texas Mortgage Banker Consumer Disclosure: PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE MORTGAGE BANKER REGISTRATION AND RESIDENTIAL MORTGAGE LOAN ORIGINATOR ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.

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