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Am I exempt from the VA Funding Fee

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Am I exempt from the VA Funding Fee

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Veterans who were injured while in service are exempt from paying the VA funding fee if they receive disability compensation or have a disability rating of 10% or higher. Surviving spouses of veterans who died in the line of duty also qualify for a funding fee exemption.

As of January 1, 2020, Purple Heart recipients also qualify to receive a VA funding fee exemption when obtaining a VA home loan.

Remember the VA has the last word on who is exempt, and some issues may be dealt with on a case-by-case basis. If you have any doubts, ask your local VA rep to review your service records (or your spouse’s records) to get a determination from the VA.

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An FHA loan is popular especially among first time home buyers because they allow down payments of 3.5% for credit scores of 580+. Borrowers credit score can be between 500 – 579 if a 10% down payment is made. Contact us today to get the process started!

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The VA loan allows veterans a great loan option by using their VA benefits and come with 0% down payment and no private mortgage insurance (PMI). Interest rates are typically lower than other mortgage programs and the VA will allow higher debt..

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    9393 W. 110th Street, Suite 500, Overland Park, KS 66210

    Privacy Policy

    Neverrest Mortgages, LLC Posted Privacy Policy

    This privacy policy governs the use of information by Neverrest Mortgages, LLC (NM) as collected on https://neverrestmortgages.com (“Website”) or through any direct communication with NM employees, emails, texts or NM social media sites. The example of the company’s web-based privacy notice applies to information collected by the company’s web site.

    Neverrest Mortgages, LLC is committed to security and privacy of the personal information. This privacy policy applies to that information that you submit through any NM social media sites, text or email, and that Neverrest Mortgages, LLC receives via our website. It does not apply to the practices of businesses and people with which we have no affiliation or control.

    While using this site, you may click a link which brings you to a site not controlled nor owned by Neverrest Mortgages, LLC. In this case, you should review the policies of that site. This NM policy should not be taken to apply outside of www.neverrestmortgages.com, directly with any NM employees, NM texts, emails or social media sites.

    Information Collection, Use, and Sharing

    Neverrest Mortgages, LLC collects personal information (“Information”) from you through e-mail, forms, and other methods located on our website. This Information is collected only if you choose to submit it, and in submitting it you agree to have the Information handled in accord with this policy. This Information may include names, social security numbers, e-mail addresses, phone numbers, home data including pricing and outstanding loans, and other data as requested or provided.

    Neverrest Mortgages, LLC takes the privacy of your information seriously. We will share your information only among our company and its affiliates and/or commonly owned companies and may do so for any business reason. We do not sell or transfer your information to any unrelated third-party, except as provided for herein.

    Neverrest Mortgages, LLC will use your Information in order to fulfill your request. As such, information may be shared as necessary with third parties including:

    Neverrest Mortgages, LLC will not otherwise share the Information which you have provided.

    Your Access to and Control of Information

    You may opt out of any future contacts from us or change the information we have on file for you, at any time. You can do the following at any time by contacting us via the mailing address, email address or phone number given on our website:

    We take precautions to protect your information.

    When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (such as a social security number), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser or looking for “https” at the beginning of the address of the web page. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. The computers and servers in which we store personally identifiable information are kept in a secure environment.

    If you feel that we are not abiding by this privacy policy, you should contact us immediately at the address, telephone number or email address below.

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    As you browse the Website, we may record certain data about your visit. This data does not include any personally identifiable information and cannot be traced back to you unless you choose to identify yourself and/or your access history. Data collected may include your IP address, operating system, browser type, time, date, and page visits, where you came from, and other such non-personal information. We may also place “cookies” on your computer. These help us in tracking your use of the Website, and do not collect any personally identifiable data about you. If you choose to reject these cookies, certain functions of the Website may be unable to operate.

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    Neverrest Mortgages, LLC may disclose any and all information as required by law or legal action. Neverrest Mortgages, LLC may also do so in the good-faith belief that disclosure is necessary or required by law or legal process.

    This Policy May Change

    This privacy policy may change at any time, for any reason, and without notice. It is your responsibility to check this policy often to ensure that you are aware of our latest policies.

    Neverrest Mortgages, LLC
    9393 W. 110th St.
    51 Corporate Woods Suite 500
    Overland Park, KS 66210
    Email: [email protected]
    (913) 232-9232

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