Terms of Use

VA Loans Center is NOT affiliated with any government agencies

Terms of Use

By applying online with one of approved lenders you agree to receive periodic emails and weekly newsletters from us. You also allow us consent to order your credit reports from the three credit reporting agencies in order to see what programs you will qualify for.

In a community property state we will order and review credit on both spouses even if only one spouse is going on the loan. All federal loans in a community property state will require the review of both spouses’ credit reports in order to be considered for a loan. By applying online you authorize us to review both you and your spouses credit reports to be considered for a loan.

By accessing, browsing or using VAloanscenter.com through any direct or indirect means, you accept and agree to be bound by these Terms of Use.

Please Note: Loan underwriters may ask for additional documentation periodically throughout the loan process. This is normal and please do your best to send in any items requested in a timely manner. An underwriter is not always able to ask for every possible document upfront because when they review your documentation, it may very likely lead them to need additional documentation. All turnaround times and closing dates are estimates and subject to change. We cannot and do not guarantee closing dates and the outcome of the underwriting process on any loan. The underwriter reserves the authority to approve or deny a loan at their sole determination for any reason they believe to be necessary. We highly recommend that you have a plan in place if your loan does not close by the estimated closing date due to unexpected delays and issues that may arise.

This site provides content for mortgage shoppers and is not acting as a mortgage banker, broker or lender. This site acts only as a Service Provider and attempts to match your request with Lending Partners who may have loan products available according to the criteria you submit in your request. Information collected is not an application for credit or a mortgage loan and your request does not pre-qualify you for a loan with any particular Lending Partner.

There is no cost to submit a request, receive loan offers or review the loan offers and talk to Lending Partners. This site does not charge you, the consumer, a fee for its services.

The content on our website (the “Content”) is supplied in good faith using references and sources deemed reliable; however it is published strictly on an “as-is” basis. The operator of this website and the author hereby disclaims any and all express or implied warranties to the maximum extent permitted by law. The content is provided for informational purposes only and is not to be construed as financial or legal advice. Everyone’s financial circumstances are unique. You are urged to consult multiple informational sources and a professional advisor before making any decisions affecting your personal finances.

This site is not responsible for the accuracy of the rate, APR and loan information as it based on third-party research, consumer and broker surveys and other published information sources.

Interest Rate Disclosure

How do Interest rates work? An interest rate is the cost of the loan amortized over a given loan term. The interest rate is determined by the loan program, credit of the applicant and the market for interest rates.

When you apply for the loan your approval letter will indicate what the rate was for the program on that given day. Interest rates change every day. The rate on your approval is not the final interest rate, it is only an estimate. Once you put a contract on a home, your loan has a final approval from the underwriter and the appraisal is approved you are eligible to lock the interest rate. We cannot lock your interest rate until these actions have taken place—final loan approval and appraisal approval.

Mortgage rates could change daily.

Actual payments will vary based on your individual situation and current rates.

Some products may not be available in all states.

Some jumbo products may not be available to first time home buyers.

Lending services may not be available in all areas.

Some restrictions may apply.

Based on the purchase/refinance of a primary residence with no cash out at closing.

We assumed (unless otherwise noted) that: closing costs are paid out of pocket; this is your primary residence and is a single family home; debt-to-income ratio is less than 40%; and credit score is over 720, or in the case of certain Jumbo products we assume a credit score over 740; and an escrow account for the payment of taxes and insurance. Closing Costs can also be rolled into the loan as well or paid by the seller.

The lock period for your rate is 30 days.

The loan to value (LTV) ratio is 100%.

Please remember that we don’t have all your information. Therefore, the rate and payment results you see from this calculator may not reflect your actual situation. VAloanscenter.com  offers a wide variety of loan options. You may still qualify for a loan even if your situation doesn’t match our assumptions. To get more accurate and personalized results, please call (888) 202-4479 to talk to one of our mortgage experts.

Due to federal law changes, market volatility, investor guidelines, Loan programs can change without notice at anytime. Even if you are approved for a certain loan it can change without notice. Fees or rates associated with the loan can change at anytime without notice.

Copyrights & Trademarks

All contents of this website are the property of Mortgage Leads Direct INC, unless otherwise indicated, and are protected by copyright and trademark laws.

VAloanscenter.com reserves all rights and the content of the web site may not be produced, downloaded, disseminated, published, or transferred without the prior written permission of USDAloansdfw.com. The trademarks, logos and service marks displayed on the web site are the property ofVAloanscenter.comand/or other parties. Other product and company names mentioned herein, including the names of Lenders, Mortgage Services or Investors, may be the trademarks of their respective owners.

No Unlawful or Prohibited Use

As a condition of your use of this web site, you warrant to VAloanscenter.com that you will not use this web site or any information contained on the web site for any purpose that is unlawful or prohibited by these Terms of Use, and that you will not access this web site or use materials or services available on this web site from territories where such access or use is illegal.

Links to Other Internet Sites

The Websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. VAloanscenter.com does not operate or control in any respect any information, software, products or services available on such websites. VAloanscenter.com inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. When you leave this website, please note that USDAloansdfw.com is not responsible for the accuracy or the content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third party technologies or programs available through that website.

Tools and Calculators

This web site may contain tools and calculators.VAloanscenter.com provides tools and calculators as a service to users, for educational purposes only.VAloanscenter.com does not guarantee the accuracy of the calculators or the results.VAloanscenter.comis not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such tools and calculators.

No Warranties & Indemnification

As a condition of use of this website, you agree to indemnify VAloanscenter.com and its suppliers, Lenders, Providers or real estate professionals from and against any and all liabilities, expenses (including attorneys’ fees) and damages arising out of claims resulting from your use of VAloanscenter.com , including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement. Use of this web site and its contents are at the user’s sole risk.VAloanscenter.com assumes no responsibility for consequences from the use of the information herein, or in any respect for the content of such information, including, but not limited to, delays, errors or omissions, the accuracy or reasonableness of information, the defamatory nature of statements, ownership of copyright or other intellectual property rights, and the violation of property, privacy or personal rights of others.VAloanscenter.com is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference or reliance on such information. The information on this site is provided as is. Without warranty of any kind, either express or implied, including, without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. In no event will VAloanscenter.com, affiliates, contractors, or their respective employees be liable under any contract, tort, negligence, strict liability or other claim for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses (even if advised of the possibility of such damages) resulting from the use of or the inability to use the web site, site content or any products or services, or any failure of performance, error, omission, interruption, effect, delay in operation or transmission, computer virus, line system failure, loss of data, or loss of use related to this web site or any web site operated by any third party.


VAloanscenter.com reserves the right to change the Terms of Use and modify the contents of the web site without notice.

Governing Law

You agree that disputes arising out of or relating to the contents or use of this web site are to be governed by the laws of the United States of America. You consent to the exclusive jurisdiction of courts sitting in the State of Texas in all disputes arising out of or relating to the contents or use of this web site.


If any part of this agreement is determined to be unenforceable by a court of competent jurisdiction, the unenforceable portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and the remainder of the agreement shall continue in full force and effect. This agreement constitutes the entire agreement between you and VAloanscenter.com with respect to the use of this web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and VAloanscenter.com with respect to this web site. A printed version of this agreement shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.