{"id":232,"date":"2024-01-16T21:23:15","date_gmt":"2024-01-16T21:23:15","guid":{"rendered":"https:\/\/live-olcm-2024.pantheonsite.io\/?post_type=traditional-mortgage&#038;p=232"},"modified":"2026-02-03T09:37:12","modified_gmt":"2026-02-03T15:37:12","slug":"va","status":"publish","type":"traditional-mortgage","link":"https:\/\/www.myoakleaf.com\/pl\/traditional-mortgage\/va\/","title":{"rendered":"Kredyty hipoteczne VA"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-bottom:30px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:64;line-height:1.3;\">Honoring Our Veterans with Homeownership Opportunities<\/h1><\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">Dedicated Support for Our Nation\u2019s Heroes<\/h3><\/div><div class=\"fusion-text fusion-text-1\"><p>At Oak Leaf Community Mortgage, we take pride in assisting veterans, active-duty service members, and their families in realizing their dreams of homeownership. Our VA Loan program, backed by the U.S. Department of Veterans Affairs, offers significant benefits and is tailored to honor the service and sacrifice of those who have served our country. With features like no down payment and no private mortgage insurance, VA Loans are a powerful tool for those eligible.<\/p>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:var(--awb-color1);--button_accent_hover_color:var(--awb-color1);--button_border_hover_color:var(--awb-color1);--button_gradient_top_color:var(--awb-color4);--button_gradient_bottom_color:var(--awb-color4);--button_gradient_top_color_hover:var(--awb-color6);--button_gradient_bottom_color_hover:var(--awb-color6);\" target=\"_self\" href=\"https:\/\/www.myoakleaf.com\/current-customer-portal\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Apply For Your Mortgage<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:var(--awb-color1);--button_accent_hover_color:var(--awb-color1);--button_border_hover_color:var(--awb-color1);--button_gradient_top_color:var(--awb-color4);--button_gradient_bottom_color:var(--awb-color4);--button_gradient_top_color_hover:var(--awb-color6);--button_gradient_bottom_color_hover:var(--awb-color6);\" target=\"_self\" href=\"\/loan-officers\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Contact A Loan Officer<\/span><\/a><\/div><\/div><\/div><\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">Understanding VA Loans:<\/h3><\/div><div class=\"fusion-text fusion-text-2\"><p>VA Loans are designed to offer long-term financing to eligible American veterans or their surviving spouses. Key aspects include<\/p>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-2 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-right:30px;--awb-padding-bottom:30px;--awb-padding-left:30px;--awb-bg-color:var(--awb-color4);--awb-bg-color-hover:var(--awb-color4);--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:uppercase;--fontSize:20;--minFontSize:20;line-height:1.5;\">Eligibility for VA Loans:<\/h4><\/div><div class=\"fusion-text fusion-text-3\" style=\"--awb-content-alignment:left;--awb-text-color:var(--awb-color1);--awb-text-font-family:&quot;Open Sans&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>Who Qualifies for a VA Loan?<\/p>\n<p><strong>Active-Duty Service Members:<\/strong> Active-duty service members typically qualify for VA Loans after serving for a specific duration. Exact eligibility criteria may vary, so it&#8217;s essential to check with the VA or a VA-approved lender for the most up-to-date requirements.<\/p>\n<p><strong>Veterans:<\/strong> Veterans qualify for VA Loans based on their discharge status and service history. Honorable discharge is typically required, but other discharge statuses may also be eligible in some cases. The length of service may vary depending on the time period during which the veteran served.<\/p>\n<p><strong>Surviving Spouses:<\/strong> Eligibility criteria for surviving spouses of service members may include specific conditions, such as the cause of the service member&#8217;s death, and whether the spouse has remarried. The VA has specific guidelines for surviving spouses to meet.<\/p>\n<p><strong>Reservists and National Guard Members:<\/strong> Reservists and National Guard members may qualify for VA Loans based on their service duration and whether they have been activated for federal service. Specific eligibility requirements may apply, so it&#8217;s advisable to verify with the VA or a VA-approved lender.<\/p>\n<p><em>Please note that while these are general guidelines, the exact eligibility criteria can vary and may change over time. It&#8217;s essential to consult with the VA or a VA-approved lender to determine your specific eligibility for a VA Loan.<\/em><\/p>\n<\/div><div style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-3 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.myoakleaf.com\/current-customer-portal\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Apply Now<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:20px;--awb-padding-bottom:20px;--awb-bg-color:var(--awb-color4);--awb-bg-color-hover:var(--awb-color4);--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-three letsConnect\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">Let\u2019s Connect!<\/h3><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-3 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-right:20px;--awb-padding-left:20px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\" style=\"--awb-text-color:var(--awb-color1);\"><p>We\u2019re here to answer your questions and get you started on your mortgage journey.<\/p>\n<\/div><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar 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gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_4' id='input_1_4' type='tel' value='' class='large'  placeholder='Phone' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_5\" class=\"gfield gfield--type-select gfield--input-type-select gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_5'>Preferred Office Location<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_5' id='input_1_5' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='' selected='selected' class='gf_placeholder'>Preferred Office Location<\/option><option value='Aurora Office' >Aurora Office<\/option><option value='Chicago Office' >Chicago Office<\/option><option value='Lindenhurst Office' >Lindenhurst Office<\/option><option value='Plainfield Office' >Plainfield Office<\/option><option value='Waukegan Office \u2013 Lewis Ave.' >Waukegan Office \u2013 Lewis Ave.<\/option><option value='Waukegan Office \u2013 N. Green Bay Rd.' >Waukegan Office \u2013 N. Green Bay Rd.<\/option><\/select><\/div><\/div><div id=\"field_1_6\" class=\"gfield gfield--type-textarea gfield--input-type-textarea gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_6'>Message<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_6' id='input_1_6' class='textarea small'    placeholder='Message' aria-required=\"true\" aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/div><div id=\"field_1_7\" class=\"gfield gfield--type-html gfield--input-type-html gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><small style=\"color: #ffffff;\">By providing your phone number and email address above and pressing the submit button below, you agree to receive automatic text and email messages from Oak Leaf Community Mortgage and also agree to our <a href=\"https:\/\/www.myoakleaf.com\/privacy-policy\/\" class=\"greenunderline\">Privacy Policy<\/a>. 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non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-background-color:var(--awb-color2);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:45;line-height:1.5;\">Benefits of Choosing Oak Leaf\u2019s VA Mortgages<\/h2><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-color4);--awb-margin-bottom:10px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:64;line-height:1.3;\">1<\/h1><\/div><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-margin-bottom:10px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">No Down Payment Required:<\/h3><\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:30px;width:100%;max-width:50%;\"><div class=\"fusion-separator-border sep-single\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color5);border-top-width:6px;\"><\/div><\/div><div class=\"fusion-text fusion-text-5\" style=\"--awb-content-alignment:center;\"><p>One of the most significant benefits, making homeownership accessible without the need for large savings.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-color4);--awb-margin-bottom:10px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:64;line-height:1.3;\">2<\/h1><\/div><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-margin-bottom:10px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">No Private Mortgage Insurance (PMI):<\/h3><\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:30px;width:100%;max-width:50%;\"><div class=\"fusion-separator-border sep-single\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color5);border-top-width:6px;\"><\/div><\/div><div class=\"fusion-text fusion-text-6\" style=\"--awb-content-alignment:center;\"><p>Unlike many conventional loans, VA loans do not require PMI, reducing monthly payments.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-11 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-color4);--awb-margin-bottom:10px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:64;line-height:1.3;\">3<\/h1><\/div><div class=\"fusion-title title fusion-title-12 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-margin-bottom:10px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">Competitive Interest Rates:<\/h3><\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:30px;width:100%;max-width:50%;\"><div class=\"fusion-separator-border sep-single\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color5);border-top-width:6px;\"><\/div><\/div><div class=\"fusion-text fusion-text-7\" style=\"--awb-content-alignment:center;\"><p>Typically lower than those of conventional loans, resulting in more affordable homeownership.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-13 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-color4);--awb-margin-bottom:10px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:64;line-height:1.3;\">4<\/h1><\/div><div class=\"fusion-title title fusion-title-14 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-margin-bottom:10px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">Flexible Credit Requirements:<\/h3><\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:30px;width:100%;max-width:50%;\"><div class=\"fusion-separator-border sep-single\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color5);border-top-width:6px;\"><\/div><\/div><div class=\"fusion-text fusion-text-8\" style=\"--awb-content-alignment:center;\"><p>Understanding of the unique circumstances faced by military families.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-4 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:var(--awb-color1);--button_accent_hover_color:var(--awb-color1);--button_border_hover_color:var(--awb-color1);--button_gradient_top_color:var(--awb-color4);--button_gradient_bottom_color:var(--awb-color4);--button_gradient_top_color_hover:var(--awb-color6);--button_gradient_bottom_color_hover:var(--awb-color6);\" target=\"_self\" href=\"https:\/\/www.myoakleaf.com\/current-customer-portal\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Apply For Your Mortgage<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-15 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">Tailored VA Loan Solutions<\/h3><\/div><div class=\"fusion-text fusion-text-9\"><p>We offer various types of VA Loans to suit different needs, including:<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-right:30px;--awb-padding-bottom:30px;--awb-padding-left:30px;--awb-bg-color:var(--awb-color4);--awb-bg-color-hover:var(--awb-color4);--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-16 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:uppercase;--fontSize:20;--minFontSize:20;line-height:1.5;\">Standard VA Loan:<\/h4><\/div><div class=\"fusion-text fusion-text-10\" style=\"--awb-content-alignment:left;--awb-text-color:var(--awb-color1);--awb-text-font-family:&quot;Open Sans&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>Ideal for veterans and eligible service members who are buying or refinancing a primary residence.<\/p>\n<p>Features: 100% financing, allowing eligible borrowers to purchase a home with no down payment. Fixed-rate mortgages, providing stability and predictability in monthly payments.<\/p>\n<\/div><div style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-5 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.myoakleaf.com\/current-customer-portal\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Apply Now<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-right:30px;--awb-padding-bottom:30px;--awb-padding-left:30px;--awb-bg-color:var(--awb-color4);--awb-bg-color-hover:var(--awb-color4);--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-17 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:uppercase;--fontSize:20;--minFontSize:20;line-height:1.5;\">VA Streamline Refinance (IRRRL):<\/h4><\/div><div class=\"fusion-text fusion-text-11\" style=\"--awb-content-alignment:left;--awb-text-color:var(--awb-color1);--awb-text-font-family:&quot;Open Sans&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>Best for veterans looking to lower their interest rate and monthly payments through a streamlined refinancing process.<\/p>\n<p>Features: Simplified refinancing process, making it easier and faster to refinance. No appraisal required, which can save time and money during the refinance.<\/p>\n<\/div><div style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-6 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.myoakleaf.com\/current-customer-portal\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Apply Now<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-aspect-ratio:2 \/ 3;--awb-object-position:26% 27%;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none has-aspect-ratio\"><img decoding=\"async\" width=\"957\" height=\"1304\" alt=\"Embark On Your Va Loan Journey\" title=\"Embark On Your Va Loan Journey\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/01\/Embark-on-Your-VA-Loan-Journey-jpg.webp\" class=\"img-responsive wp-image-977 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/01\/Embark-on-Your-VA-Loan-Journey-200x273.webp 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/01\/Embark-on-Your-VA-Loan-Journey-400x545.webp 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/01\/Embark-on-Your-VA-Loan-Journey-600x818.webp 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/01\/Embark-on-Your-VA-Loan-Journey-800x1090.webp 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/01\/Embark-on-Your-VA-Loan-Journey-jpg.webp 957w\" sizes=\"(max-width: 840px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-18 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">How to Apply:<\/h3><\/div><div class=\"fusion-text fusion-text-12\"><p>Embark on Your VA Loan Journey today! To apply for a VA Loan, follow these steps:<\/p>\n<\/div><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-2 fusion-columns-total-3 fusion-content-boxes-1 content-boxes-icon-on-side content-left\" style=\"--awb-iconcolor:var(--awb-color4);--awb-iconcolor-hover:var(--awb-color4);--awb-hover-accent-color:var(--awb-color8);--awb-circle-hover-accent-color:transparent;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-iconcolor:var(--awb-color4);--awb-iconcolor-hover:var(--awb-color4);--awb-content-padding-left:49px;\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-6 col-md-6 col-sm-6 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div class=\"icon\"><span ><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 29px;line-height:normal;font-size:29px;\" aria-hidden=\"true\" class=\"fontawesome-icon icon-oakleafLeaf circle-no\"><\/i><\/span><\/div><h4 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h4_typography-font-size:20px;--fontSize:20;line-height:1.5;padding-left:49px;\">Certificate of Eligibility (COE):<\/h4><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Start by obtaining your Certificate of Eligibility (COE) to prove your eligibility for a VA Loan. You can obtain your COE through the Department of Veterans Affairs (VA) website or by working with a VA-approved lender.<\/p>\n<\/div><\/div><\/div><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-iconcolor:var(--awb-color4);--awb-iconcolor-hover:var(--awb-color4);--awb-content-padding-left:49px;\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-6 col-md-6 col-sm-6 fusion-content-box-hover content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div class=\"icon\"><span ><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 29px;line-height:normal;font-size:29px;\" aria-hidden=\"true\" class=\"fontawesome-icon icon-oakleafLeaf circle-no\"><\/i><\/span><\/div><h4 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h4_typography-font-size:20px;--fontSize:20;line-height:1.5;padding-left:49px;\">Gather Documentation:<\/h4><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Prepare the necessary documents for your VA Loan application, which may include:<\/p>\n<ul>\n<li>Military service records, such as your DD-214 form.<\/li>\n<li>Financial statements, including income and asset information.<\/li>\n<li>Credit history and credit score documentation.<\/li>\n<li>Any additional documents requested by your lender.<\/li>\n<\/ul>\n<\/div><\/div><\/div><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-iconcolor:var(--awb-color4);--awb-iconcolor-hover:var(--awb-color4);--awb-content-padding-left:49px;\" class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-6 col-md-6 col-sm-6 fusion-content-box-hover content-box-column-first-in-row content-box-column-last\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div class=\"icon\"><span ><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 29px;line-height:normal;font-size:29px;\" aria-hidden=\"true\" class=\"fontawesome-icon icon-oakleafLeaf circle-no\"><\/i><\/span><\/div><h4 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h4_typography-font-size:20px;--fontSize:20;line-height:1.5;padding-left:49px;\">Application Submission: <\/h4><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Reach out to our VA loan specialists to guide you through the application process. Our team is experienced in handling VA Loans and can assist you in completing your application.<\/p>\n<p><a href=\"https:\/\/northshoretrust.mymortgage-online.com\/loan-app\/?siteId=1956441477&amp;workFlowId=65037\" target=\"_blank\" rel=\"noopener\">Start your loan application &gt;<\/a><\/p>\n<p>Starting your VA Loan journey is a straightforward process, and our experts are here to help you every step of the way to ensure a smooth and successful application process.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><div class=\"fusion-title title fusion-title-19 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">Empowering Veterans with the Key to Homeownership<\/h3><\/div><div class=\"fusion-text fusion-text-13\"><p>Oak Leaf Community Mortgage honors the service of our military members by providing comprehensive VA Loan options. We are committed to facilitating a smooth path to homeownership for our nation\u2019s heroes and their families. Let us help you unlock the door to your new home.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-background-color:var(--awb-custom_color_1);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-20 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:45;line-height:1.5;\">Success Stories<\/h2><\/div><div class=\"fusion-testimonials classic awb-speech-bubble-show fusion-testimonials-1\" style=\"--awb-textcolor:var(--awb-color8);--awb-backgroundcolor:var(--awb-color2);--awb-testimonial-border-style:solid;--awb-testimonial-border-color:var(--awb-color3);--awb-navigation-size:12px;--awb-border-top-left-radius:0px;--awb-border-top-right-radius:0px;--awb-border-bottom-left-radius:0px;--awb-border-bottom-right-radius:0px;--testimonial-border-width-top:0px;--testimonial-border-width-right:0px;--testimonial-border-width-bottom:0px;--testimonial-border-width-left:0px;--awb-testimonial-text-font-family:&quot;Open Sans&quot;;--awb-testimonial-text-font-style:normal;--awb-testimonial-text-font-weight:400;\" data-random=\"0\" data-speed=\"10000\"><div class=\"reviews\"><div class=\"review active-testimonial alignment-left no-avatar\"><blockquote><div class=\"awb-quote\"><div class=\"awb-quote-content\">\n<p>As 30+ year real estate investors who purchase distressed 1-4 family properties to rehab and sell to primary resident buyers, it is essential to have a lending relationship that we can depend on who fulfills our acquisition and construction funding needs. Joseph LaGiglia, Angie Petrizzo, and the whole team at Oak Leaf Community Mortgage, who is powered by North Shore Trust and Saving, is our \u201cpartner\u201d in the true sense that old school community banking used to be known for. With rates and fees well below the traditional funding sources in our business, and having the confidence through our experience to know if they say they will close our loan they do, we are able to be a leading solution to homeownership needs within the communities we are focused in. Thank you OLCM for another successful closing.<\/p>\n<\/div><\/div><span class=\"awb-triangle\"><\/span><\/blockquote><div class=\"author\"><span class=\"company-name\"><strong>- Joe S.<\/strong><\/span><\/div><\/div><div class=\"review alignment-left no-avatar\"><blockquote><div class=\"awb-quote\"><div class=\"awb-quote-content\">\n<p>I would 10\/10 recommend Oak Leaf Community Mortgage to anyone!! I have been in the financial services industry for more than 15yrs and these guys (and gals) knock it out of the park! Joe LaGiglia and crew are one of kind, they truly care about your situation and work hard to ensure you are in the right product\/timing\/finances for your needs. They are extremely responsive, friendly and knowledgeable and make the home buying experience a breeze. Using Oak Leaf is a no-brainer\u2026you won\u2019t regret it!<\/p>\n<\/div><\/div><span class=\"awb-triangle\"><\/span><\/blockquote><div class=\"author\"><span class=\"company-name\"><strong>- Hannah S.<\/strong><\/span><\/div><\/div><div class=\"review alignment-left no-avatar\"><blockquote><div class=\"awb-quote\"><div class=\"awb-quote-content\">\n<p>I recently refinanced with Joseph LaGiglia at Oak Leaf and could not be happier with the process. I was told, upfront, the time to refinance was extended due to the low rates prompting many to refinance. He offered a solid rate and locked it in after initial paperwork was completed. I received multiple phone calls from members of the team to update me on the process. A small, but communicated snag, was hit and my closing was pushed back one week. Joe was empathic on the process as he walked me through the final days until close. At close, I asked the title company about the rate and was told, \u201cThat is a good rate for a 15 year, and you are at a 30!\u201d Communication is vital, and the team at Oak Leaf was beyond my expectations. If rates ever go this low again, I will call. I recommended Joe\/Oak Leaf to my friends and family.<\/p>\n<\/div><\/div><span class=\"awb-triangle\"><\/span><\/blockquote><div class=\"author\"><span class=\"company-name\"><strong>- JP M.<\/strong><\/span><\/div><\/div><\/div><div class=\"testimonial-pagination\" id=\"fusion-testimonials-1\"><a href=\"#\" aria-label=\"Testimonial Pagination\"  class=\"activeSlide\"><\/a><a href=\"#\" aria-label=\"Testimonial Pagination\" ><\/a><a href=\"#\" aria-label=\"Testimonial Pagination\" ><\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-21 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-two\" style=\"--awb-margin-bottom:30px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:45;line-height:1.5;\">Commonly Asked Questions<\/h2><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:22px;--awb-content-font-size:var(--awb-typography4-font-size);--awb-icon-alignment:left;--awb-hover-color:var(--awb-color1);--awb-border-color:var(--awb-color1);--awb-background-color:var(--awb-color1);--awb-divider-color:var(--awb-color3);--awb-divider-hover-color:var(--awb-color3);--awb-icon-color:var(--awb-color1);--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color8);--awb-icon-box-color:var(--awb-color4);--awb-toggle-hover-accent-color:var(--awb-color8);--awb-title-font-family:&quot;Open Sans&quot;;--awb-title-font-weight:700;--awb-title-font-style:normal;--awb-title-font-size:24px;--awb-title-letter-spacing:var(--awb-typography1-letter-spacing);--awb-title-line-height:var(--awb-typography1-line-height);--awb-content-font-family:var(--awb-typography4-font-family);--awb-content-font-weight:var(--awb-typography4-font-weight);--awb-content-font-style:var(--awb-typography4-font-style);\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-232-1\"><div class=\"fusion-panel panel-default panel-5577d834cce9da363 fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color8);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_5577d834cce9da363\"><a aria-expanded=\"false\" aria-controls=\"5577d834cce9da363\" role=\"button\" data-toggle=\"collapse\" data-target=\"#5577d834cce9da363\" href=\"#5577d834cce9da363\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-chevron-circle-down fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-chevron-circle-right fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What are the advantages of a VA Loan compared to other loan types?<\/span><\/a><\/h4><\/div><div id=\"5577d834cce9da363\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_5577d834cce9da363\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>VA Loans offer several advantages, including:<\/p>\n<ul>\n<li>No down payment required for eligible borrowers.<\/li>\n<li>Competitive interest rates.<\/li>\n<li>No private mortgage insurance (PMI) requirement.<\/li>\n<li>Lenient credit requirements.<\/li>\n<li>The ability to finance closing costs.<\/li>\n<li>Options for refinancing existing VA Loans.<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-a0b5158b5669f88cf fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color8);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_a0b5158b5669f88cf\"><a aria-expanded=\"false\" aria-controls=\"a0b5158b5669f88cf\" role=\"button\" data-toggle=\"collapse\" data-target=\"#a0b5158b5669f88cf\" href=\"#a0b5158b5669f88cf\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-chevron-circle-down fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-chevron-circle-right fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Can I use a VA Loan more than once?<\/span><\/a><\/h4><\/div><div id=\"a0b5158b5669f88cf\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_a0b5158b5669f88cf\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Yes, in many cases, you can use VA Loan benefits more than once. Your eligibility can be restored if you&#8217;ve paid off your previous VA Loan and meet the criteria for another. Additionally, you can have multiple VA Loans simultaneously under certain circumstances.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-225118eece92a9f36 fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color8);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_225118eece92a9f36\"><a aria-expanded=\"false\" aria-controls=\"225118eece92a9f36\" role=\"button\" data-toggle=\"collapse\" data-target=\"#225118eece92a9f36\" href=\"#225118eece92a9f36\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-chevron-circle-down fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-chevron-circle-right fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Are there any closing costs with VA Loans?<\/span><\/a><\/h4><\/div><div id=\"225118eece92a9f36\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_225118eece92a9f36\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>While VA Loans generally have lower closing costs compared to conventional loans, there may still be some closing costs involved. These costs can vary depending on factors like the lender and location. It&#8217;s common for veterans to negotiate with sellers to cover some or all of the closing costs, or you may choose to finance them as part of the loan.<\/p>\n<p>VA Loans are designed to provide veterans with affordable homeownership opportunities, and understanding their benefits and costs is essential when considering this financing option.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-22 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">We&#8217;re Here to Serve You<\/h3><\/div><div class=\"fusion-text fusion-text-14\"><p>Our dedicated team is ready to assist you with any questions about VA Loans and guide you through the process. We&#8217;re committed to providing the support our veterans and military families deserve.<\/p>\n<\/div><div class=\"md-text-align-center sm-text-align-center\" style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-7 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:var(--awb-color1);--button_accent_hover_color:var(--awb-color1);--button_border_hover_color:var(--awb-color1);--button_gradient_top_color:var(--awb-color4);--button_gradient_bottom_color:var(--awb-color4);--button_gradient_top_color_hover:var(--awb-color6);--button_gradient_bottom_color_hover:var(--awb-color6);\" target=\"_self\" href=\"https:\/\/www.myoakleaf.com\/contact-us\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Contact Us<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-23 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">Empowering Veterans with the Key to Homeownership<\/h3><\/div><div class=\"fusion-text fusion-text-15\"><p>Oak Leaf Community Mortgage honors the service of our military members by providing comprehensive VA Loan options. We are committed to facilitating a smooth path to homeownership for our nation&#8217;s heroes and their families. Let us help you unlock the door to your new home.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Po\u017cyczki VA maj\u0105 na celu zaoferowanie d\u0142ugoterminowego finansowania kwalifikuj\u0105cym si\u0119 ameryka\u0144skim weteranom lub ich pozosta\u0142ym przy \u017cyciu ma\u0142\u017conkom<\/p>","protected":false},"featured_media":0,"parent":0,"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-232","traditional-mortgage","type-traditional-mortgage","status-publish","hentry"],"acf":{"card_title":"Veterans Assistance"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>VA Mortgages | Oak Leaf Community Mortgage<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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