VA Loans


The VA mortgage loans are available to men and women that have served our country in the military and the National Guard Reserves. There are qualifications that must be met for this loan including the length of time they served, and the character of the service they performed. This loan program was put into place after World War II, and was designed to help veterans fulfill their dreams of owning a home.


Before a loan can be processed it is essential that the lender verify that the borrower is eligible to apply and receive the benefits of VA mortgage loans. Additionally, veterans must be able to qualify based on their credit and financial position, meaning that the down payment they can make is critical. It is also important that veterans learn about the property types that can be purchased with a VA loan, and what the insurance premiums will cost for the category they are in along with the property type.

Veterans will find that there are loan programs available with zero down. If veterans are able to come up with a down payment of 20% or greater then they may be able to qualify for a conventional loan with a better interest rate.


Those who have applied for a VA mortgage will each have an amount of entitlement that they may receive for their new loan. The minimum amount is $36,000, and in some cases if someone is applying for a loan with a rather large amount they may be able to receive additional entitlement. It is important for everyone involved in the loan transaction that the amount one is entitled to is not indicated on the Certificate of Eligibility.


Those who have had a VA loan before can certainly get another one. If the prior property was paid in full, eligibility can be restored for the new loan. If you are still living in the property but it was paid in full and you wish to take out another loan you may do so. However, in this case eligibility will be restored only one time, so choose wisely before making a decision.

Those who have had VA mortgage loans before on homes that have been foreclosed on may not get their eligibility restored. The government took a loss on the loan, so if this was the case the loan was must be repaid in full in order for eligibility to be restored.

Should the veteran have a surviving spouse, that spouse will be eligible to receive the home loan benefit. If the veteran and his or her spouse owned this home at the time of the veteran’s death, then the surviving spouse will be eligible to receive an interest rate reduction on a home refinance. In a time of war many have asked this question, so it’s important for you to know as a surviving spouse what options you have.

Fink & McGregor’s mortgage experts help Utah’s veterans understand these benefits and how they can take advantage of them.



Buying your home can be stressful, but it doesn’t have to be scary or difficult, especially with our expert mortgage planners and home loan officers to help you every step of the way.

Here are some basic steps that outline the refinance process.

  • Review your credit
  • Gather the necessary documents
  • Contact a loan officer at Fink & McGregor
  • Discuss which options are best for you
  • Get pre-appoved to help you with your home search
  • Find the right home for you
  • Make an offer that gets accepted
  • Apply for the loan and submit your documents
  • Prepare for closing

Fink & McGregor is dedicated to making your loan and home buying experience quick and simple. Get started today.

Get Started:

Email us at [email protected]
or Call 801-264-9494 now!

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Or if you are ready to begin the mortgage process:

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Words from Our Clients

Thank you for your assistance on helping us refinance our home. I appreciate the effort to expedite the process and the basket was very nice as well.

- Jamien S

We closed on the loan last evening. Your staff made the process quite effortless and gave your firm a great endorsement. She said of all of the firms that she works with you, Fink and McGregor is in the top two. That reputation is not easily earned. Congratulations.

- BJ

I just closed and everything went great. We're thrilled and the process was quick and super easy. Loved working with you guys.

- Glenda M.

I can’t believe how quickly everything went through. Jeff took lots of time to discuss my options and answer all of my questions. I had only called to see what was possible & Jeff his team got me even better results than I imagined . I will recommend everyone I know to Jeff!

- Maya B.

I started the refinancing process when another lender, by the end of the process which took more than 6 months— my credit was so screwed up because I did what they told me to and they wouldn’t close my loans. They ghosted me for 3 months. I couldn’t even get a loan from any other lender until I worked out the issues with my current lender. Your service was great! Very responsive. You answered all my questions! Thank you for being kind!

- Rikard H.

The preliminary loan process was so easy and smooth I almost forgot I even had a closing scheduled to come in and wet-sign the final documents. The closing itself was probably the quickest/shortest one I have ever gone thru.

- Carol H.

We had a great experience, the process was smooth and completed in a timely manner. Niesha was amazing at communicating and keeping us up to date on our loan process. We would highly recommend Fink and McGregor to everyone we know.

- Dustin and Danyel A.

Fink & McGregor is awesome! They gave me hope from the very beginning. They were able to help me refinance my house, lower my interest rate, and enough cash-out to pay off all my debts and medical bills and still have enough to do upgrades and repairs on my house. Even with my low credit score they were able to make it happen! I would recommend them to anyone!

- Royce C.

Fink & McGregor is awesome! They gave me hope from the very beginning. They were able to help me refinance my house, lower my interest rate, and enough cash-out to pay off all my debts and medical bills and still have enough to do upgrades and repairs on my house. Even with my low credit score they were able to make it happen! I would recommend them to anyone!

- Royce C.

It was a very smooth process despite our loan being a  VA loan. Niesha was very helpful and made sure we always knew the status of our application and any changes that needed to be made to our loan. We are very satisfied with the service and attention to detail.

- Darrin B.

Everyone at Fink & McGregor has been great!! Emilee has always been very professional when I call. Niesha did everything she could to help merc we tried a VA loan at first but no worries she moved to the FHA! And Jeff, from the first time I contacted him he helped me out especially back in 2015 if I remember correctly. That just seemed difficult for everyone. Thank you all at Fink & McGregor!!

- Alex C.

Fink & McGregor was excellent to work with. Their representatives took care of me like I was their only costumer. I appreciate their timeliness and professionalism throughout the entire process. The team is stellar!

- Jane B.

Second time using Fink & McGregor. Quick, easy, and they honestly do make mortgages simple. The mortgage loan process has been smooth along with clear communication of timelines and what was needed to complete the process.

- Ryan O.