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VA Mortgage Loan Information

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VA Home Purchase

Enjoy the benefits of a VA home loan with NBKC:

  • No lender fees*
  • No origination fees*
  • No underwriting fees*
  • No processing fees*
  • Financing in all 50 states
  • Low, competitive rates
Get a Quote
VA Streamline Refinance Loan

If you currently have a VA mortgage loan and are a veteran or in active service, a new VA loan refinancing option could help lower your payment. A VA streamline refinance is a refinancing option for current VA mortgage holders that allows the borrower to lower their interest rate with minimal or no out-of-pocket costs.

A VA streamline refinance loan (IRRRL - Interest Rate Reduction Refinancing Loan) is an easy and efficient option for veterans and military personnel to begin saving immediately, but it is only available to veterans and active service personnel who used their VA eligibility when they initially purchased their home.

Obtain a VA refinancing quote.

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VA Loan Checklist

To start the VA mortgage loan process, NBKC will need the following information from all loan applicants.

  • Street addresses where you have lived for the past two years
  • Names and addresses of your employers during the past two years
  • Your current pre-tax monthly salary
  • Names, account numbers and balances on all liquid asset accounts (checking, savings, money markets, IRA's, etc.)
  • Addresses and loan information of any other real estate owned
  • Certificate of Eligibility and DD214 (if no longer active duty)
  • W2's for the past two years
  • Most recent month of paycheck stubs
  • If self-employed, you will need to provide the last two federal tax returns.
  • If you have a service related disability, inform your lender to get the funding fee waived.

Get a VA Loan Mortgage quote.

Get a Quote

Adjustable Rate Mortgage (ARM) Disclosure:


With an adjustable-rate mortgage (ARM), your loan will have an initial fixed-rate period. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of reset. Lifetime rate cap is 5%, yearly adjustment cap is 1%, first year rate cap is 1%. As of 10/5/2016 the initial payment on a 30-year, $200,000.00, 5-year Adjustable-Rate Loan at 3.625% interest and 80% loan-to-value (LTV) is $916.66 with 0 points due at closing. The Annual Percentage Rate (APR) is 2.936%. After the initial 60 payments (5 years) at 3.625% interest with payments of $916.66, the rate and payments may adjust annually to 4.625% (estimated) with payments of $1,017.12 (estimated) for the remainder of the loans term (payments 61 – 360 [years 6-30]). After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than 4.625%, with a maximum first payment of $1,017.12. The fully indexed rate for this loan is 8.625%, the maximum principal and interest payment for this loan will not exceed $1,434.46. Payment calculations above do not include taxes and insurance premium, the actual payment amounts will be greater. Rate is variable and subject to change after 5 years. Accuracy is not guaranteed and products may not be available for your situation.