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VA Home Loans in Springfield, MO

Serving Veterans and Active Military Across Southwest Missouri

VA Home Loans

VA loans are one of the most powerful benefits available to eligible Veterans, service members, and surviving spouses. Backed by the U.S. Department of Veterans Affairs, these loans make it possible to buy a home with no down payment, no private mortgage insurance, and competitive interest rates.

If you’ve served our country, a VA loan is designed to help you build stability and invest in your future with the honor you deserve.

VA Home Loan Requirements

(Eligibility determined by the VA and your lender)

  • Service eligibility: Verified Certificate of Eligibility (COE) from the VA
  • Down payment: None required for most borrowers
  • Credit score: Generally 580 or higher (may vary by lender)
  • Debt-to-income ratio: Typically 41% or lower (flexible for strong profiles)
  • Primary residence: Must be used for your own occupancy
  • Funding fee: One-time VA funding fee may apply (can often be rolled into the loan)

Ready to take the next step?

Find out how your service can help you achieve homeownership, often with no money down.

Jeff Schiman, Mortgage Banker

(417) 844-9047

4350 S. National, Suite A100

Springfield, MO 65810

NMLS#: 1928050

Flat Branch 

(417) 877-0250

4350 S. National, Suite A100

Springfield, MO 65810

NMLS#: 224149

Flat Branch Home Loans is a division of Flat Branch Mortgage, Inc. For licensing information, go to nmlsconsumeraccess.org.

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