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Missouri VA Loans

  • Buy a Home with 0% Down
  • Refinance to Lower Monthly Payments
  • Lower your monthly payment
  • Easy to Qualify
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Secure a VA Mortgage in Missouri

Veterans of the US Armed Services who reside in the state of Missouri can take out a Missouri VA loan.  This is a specialized type of home loan that allows veterans to either purchase a home or refinance an existing mortgage at a low rate and with beneficial terms.  These loans are backed by the Department of Veteran Affairs (VA).

Jump to: Eligibility | Loan Limits

What is the VA Loan?

The VA loan program can seem confusing to some, but it’s actually extremely simple.  VA loans are provided to veterans who have served honorably in the US military for a sufficient length of time.  The VA wants to ensure that veterans are able and equipped to purchase homes and build wealth.  But the VA cannot offer home loans itself, as it is not a lending institution.  The VA therefore backs loans that are made to veterans by other lenders, and this allows the lenders to offer completive, advantageous terms and rates to these veterans.

VA Loan Benefits in Missouri

There are many benefits to financing your home with a VA loan.  Essentially, borrowing money is simply made easier.  Some of the most common benefits are listed here.

  • No down payment.
  • No PMI.
  • No high credit or income requirement.
  • Many different loan types available.
  • No penalties for early repayment.

It’s much easier to borrow funds and pay them back under terms such as these, and this is what makes the VA program so helpful and unique.

VA Loan Requirements and Eligibility

The eligibility requirements for the VA loan program are easy to meet, though it’s not easy to become a veteran.  If you can make it through the military and get past that hurdle, you’re well on your way to funding your VA home loan.

You must be an American citizen, a veteran, have served at least 90 days of active duty continuously, and been discharged on honorable terms.

You should have a minimum qualifying credit score of 620. 

If you match this description, you’re qualified.  Simply obtain a certificate of eligibility from the VA itself, and then contact a VA loan specialist to help you finish the application process and fund your loan.

VA Refinance

You can use your veteran eligibility to refinance your current mortgage through a Missouri VA Streamline refinance, or the VA IRRRL refinance.  This can save you a lot of money and hassle, as the streamline program makes refinancing much quicker and easier.  It’s more affordable, since many of the typical refinance fees are waived.

The VA also backs a Cash-Out option, which enables borrowers to access up to 100% of their home equity. The funds can be used for living expenses, including home renovation and repairs. 

Missouri VA Mortgage Rates

Above all else, make sure you get one of the best mortgage rates available on your VA loan.  If possible, compare all lenders in your area and see which ones offer the best rates and terms.  Don’t simply pick a lender at random and rush headlong into the wrong mortgage.  Find the lender who can save you the most money and meet your needs.

VA Lenders in Missouri

If this task seems daunting to you, don’t worry.  Use the form above to get in touch with up to four local lenders who are familiar with your area of Missouri and can give you detailed information about rates and VA loan limits.  If you need more information, don’t be afraid to contact the Department of Veteran Affairs directly.

Missouri Military Information

Missouri currently has 2 active military facilities.  These are Whiteman Air Force Base and Fort Leonard Wood.  Many veterans emerge from these facilities and purchase homes in Missouri with VA loans.

VA Loan Lending Limits in Missouri

Below is the list of the maximum VA loan limits for counties in Missouri:

County Loan Limit
ADAIR $417,000
ANDREW $417,000
ATCHISON $417,000
AUDRAIN $417,000
BARRY $417,000
BARTON $417,000
BATES $417,000
BENTON $417,000
BOLLINGER $417,000
BOONE $417,000
BUCHANAN $417,000
BUTLER $417,000
CALDWELL $417,000
CALLAWAY $417,000
CAMDEN $417,000
CARROLL $417,000
CARTER $417,000
CASS $417,000
CEDAR $417,000
CHARITON $417,000
CHRISTIAN $417,000
CLARK $417,000
CLAY $417,000
CLINTON $417,000
COLE $417,000
COOPER $417,000
CRAWFORD $417,000
DADE $417,000
DALLAS $417,000
DAVIESS $417,000
DEKALB $417,000
DENT $417,000
DOUGLAS $417,000
DUNKLIN $417,000
FRANKLIN $417,000
GASCONADE $417,000
GENTRY $417,000
GREENE $417,000
GRUNDY $417,000
HARRISON $417,000
HENRY $417,000
HICKORY $417,000
HOLT $417,000
HOWARD $417,000
HOWELL $417,000
IRON $417,000
JACKSON $417,000
JASPER $417,000
JEFFERSON $417,000
JOHNSON $417,000
KNOX $417,000
LACLEDE $417,000
LAFAYETTE $417,000
LAWRENCE $417,000
LEWIS $417,000
LINCOLN $417,000
LINN $417,000
MCDONALD $417,000
MACON $417,000
MADISON $417,000
MARIES $417,000
MARION $417,000
MERCER $417,000
MILLER $417,000
MONITEAU $417,000
MONROE $417,000
MORGAN $417,000
NEW MADRID $417,000
NEWTON $417,000
NODAWAY $417,000
OREGON $417,000
OSAGE $417,000
OZARK $417,000
PEMISCOT $417,000
PERRY $417,000
PETTIS $417,000
PHELPS $417,000
PIKE $417,000
PLATTE $417,000
POLK $417,000
PULASKI $417,000
PUTNAM $417,000
RALLS $417,000
RANDOLPH $417,000
RAY $417,000
REYNOLDS $417,000
RIPLEY $417,000
ST. CHARLES $417,000
ST. CLAIR $417,000
ST. FRANCOIS $417,000
ST. LOUIS $417,000
SALINE $417,000
SCHUYLER $417,000
SCOTLAND $417,000
SCOTT $417,000
SHANNON $417,000
SHELBY $417,000
STODDARD $417,000
STONE $417,000
SULLIVAN $417,000
TANEY $417,000
TEXAS $417,000
VERNON $417,000
WARREN $417,000
WAYNE $417,000
WEBSTER $417,000
WORTH $417,000
WRIGHT $417,000
ST. LOUIS CITY $417,000

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