Honoring Our Veterans with Homeownership Opportunities

Dedicated Support for Our Nation’s Heroes

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.

Understanding VA Loans:

VA Loans are designed to offer long-term financing to eligible American veterans or their surviving spouses. Key aspects include

Eligibility for VA Loans:

Who Qualifies for a VA Loan?

Active-Duty Service Members: Active-duty service members typically qualify for VA Loans after serving for a specific duration. Exact eligibility criteria may vary, so it’s essential to check with the VA or a VA-approved lender for the most up-to-date requirements.

Veterans: 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.

Surviving Spouses: Eligibility criteria for surviving spouses of service members may include specific conditions, such as the cause of the service member’s death, and whether the spouse has remarried. The VA has specific guidelines for surviving spouses to meet.

Reservists and National Guard Members: 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’s advisable to verify with the VA or a VA-approved lender.

Please note that while these are general guidelines, the exact eligibility criteria can vary and may change over time. It’s essential to consult with the VA or a VA-approved lender to determine your specific eligibility for a VA Loan.

Let’s Connect!

We’re here to answer your questions and get you started on your mortgage journey.

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Benefits of Choosing Oak Leaf’s VA Mortgages


No Down Payment Required:

One of the most significant benefits, making homeownership accessible without the need for large savings.


No Private Mortgage Insurance (PMI):

Unlike many conventional loans, VA loans do not require PMI, reducing monthly payments.


Competitive Interest Rates:

Typically lower than those of conventional loans, resulting in more affordable homeownership.


Flexible Credit Requirements:

Understanding of the unique circumstances faced by military families.

Tailored VA Loan Solutions

We offer various types of VA Loans to suit different needs, including:

Standard VA Loan:

Ideal for veterans and eligible service members who are buying or refinancing a primary residence.

Features: 100% financing, allowing eligible borrowers to purchase a home with no down payment. Fixed-rate mortgages, providing stability and predictability in monthly payments.

VA Streamline Refinance (IRRRL):

Best for veterans looking to lower their interest rate and monthly payments through a streamlined refinancing process.

Features: Simplified refinancing process, making it easier and faster to refinance. No appraisal required, which can save time and money during the refinance.

Embark On Your Va Loan Journey

How to Apply:

Embark on Your VA Loan Journey today! To apply for a VA Loan, follow these steps:

Empowering Veterans with the Key to Homeownership

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’s heroes and their families. Let us help you unlock the door to your new home.

Success Stories

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 “partner” 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.

- Joe S.

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…you won’t regret it!

- Hannah S.

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, “That is a good rate for a 15 year, and you are at a 30!” 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.

- JP M.

Commonly Asked Questions

VA Loans offer several advantages, including:

  • No down payment required for eligible borrowers.
  • Competitive interest rates.
  • No private mortgage insurance (PMI) requirement.
  • Lenient credit requirements.
  • The ability to finance closing costs.
  • Options for refinancing existing VA Loans.

Yes, in many cases, you can use VA Loan benefits more than once. Your eligibility can be restored if you’ve paid off your previous VA Loan and meet the criteria for another. Additionally, you can have multiple VA Loans simultaneously under certain circumstances.

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’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.

VA Loans are designed to provide veterans with affordable homeownership opportunities, and understanding their benefits and costs is essential when considering this financing option.

We’re Here to Serve You

Our dedicated team is ready to assist you with any questions about VA Loans and guide you through the process. We’re committed to providing the support our veterans and military families deserve.

Empowering Veterans with the Key to Homeownership

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’s heroes and their families. Let us help you unlock the door to your new home.