VA Loans. Low Credit and 500 Credit Scores. With Reduced Funding Fees.

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At Access Capital Group, we are qualifying VA Loans with Low Credit, 500 Credit Scores, Manual Underwriting and starting April 7,  2023 with a reduced VA Funding Fee.

Loan Fee Rates for Loans Closing On or After April 7, 2023 and prior to November 14, 2031

 

VA Purchase or Construction Loans

 

Down Payment Amount

Funding Fee Percentage

First Use

Less than 5%

2.15%

 

5% or more

1.5%

 

10% or more

1.25%

Subsequent Use

Less than 5%

3.3%

 

5% or more

1.5%

 

10% or more

1.25%

 

VA Cash-Out Refinance

 

Funding Fee Percentage

First Use

2.15%

Subsequent Use

3.3%

 

VA IRRRLs

Loan Type

Funding Fee Percentage

Interest Rate Reduction Refinance Loan (IRRRls)

0.5%

 

The funding fee is charged on VA transactions where the borrower does not meet the qualifications for a fee waiver (exemption).

The Funding fee can be paid upfront or rolled into your loan.

VA Loan Low Credit Score ZERO DOWN LOAN 500 Minimum Credit

VA IRRRL / Rate Reduction No Credit Score Required

VA Loan – Manual Underwrite – 500 Minimum Score

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Contact Us

Loan Goal
202 E. Earll Drive
Suite 460
Phoenix, AZ 85012

LICENSING

NMLS Consumer Access
www.nmlsconsumeraccess.org
NMLS # 33043

Arizona: MB-0904605 | California CFL License: 6038514 Loans made or arranged pursuant to a California Financing Law | Colorado: 20021150081 | Colorado: LMB100026744 | Florida: CL0700723 | Idaho 1st Mortgage: MBL-4501 / NMLS # 33043 | Maryland: #33043 | Minnesota: 20337251 | New Mexico: 01475 | North Carolina License/Registration #: B-213554 | Ohio: RM.804918.000 | Oregon: ML-4188 | South Carolina DCA: #33043 | Texas: SML #34341 | Tennessee: 33043 | Utah: 6360087-MLCO | VA - 919946-0008 | Virginia: MC-7553 | Washington MB-33043 | FHA - 18970-0000-1 and 18790 | Wyoming: MBL-1863