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It's Our Turn to Serve You

As a VA home loan provider, we are proud to offer you specialized benefits to make buying a home more affordable. Our mortgage loan officers will use their knowledge and experience to partner with you every step of the way to ensure the process goes smoothly.

What is a VA Home Loan?

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A VA home loan is an exclusive benefit for eligible military service members and veterans. VA home loans are backed by the U.S. Department of Veterans Affairs (VA) and provided through qualified lenders like Johnson Financial Group.

Benefits of a VA Home Loan

Zero down payment financing

No private mortgage insurance

Fixed loan rates

Low rates and low closing costs

Reasonable credit qualifications

Who is eligible?

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The following  may be eligible for a VA home loan:

  • Active and retired military, including:
    • reservists
    • National Guard members
    • surviving spouses 

Speak with a trusted mortgage loan officer to understand if you may qualify.

How does a VA Loan work?

Confirm VA eligibility

Contact Johnson Financial Group, a VA approved lender, to be sure you meet the qualifications established by the VA.

Gather your information

Gather your personal and financial documents and complete the loan application online or in person with a loan officer.

Pre-approval

We will review your income, assets and credit for eligibility. Once approved, your loan officer can provide a pre-approval letter to give to your realtor before you begin looking at homes.

Make an offer

Once you know how much house you can afford, it's time to go house hunting. When you find your perfect home, your pre-approval will allow you to make an offer quickly.

Closing

Your closing documents will be sent to the title company and you choose your closing day.

Financial Solutions Designed for You

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Find an account to best fit your life. Our advisors will learn what is important to you to make managing your money easy and worry-free.

LEARN MORE about our checking account options.
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Be prepared for life’s little surprises with a savings or money market account. If you're just starting to save, building an emergency fund, or saving for something special, we can help you reach your goals.

LEARN MORE about our savings and money market options.
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Developing a sound financial plan is essential to achieving your long-term retirement goals.

LEARN MORE about the options you have to make your retirement financially secure.
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Your home is likely one of your largest investments. You deserve to have peace of mind that your home and the possessions inside are protected from life’s unexpected events.

LEARN MORE Your home is likely one of your largest investments. You deserve to have peace of mind that your home and the possessions inside are protected from life’s unexpected events.

Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. Certain conditions, terms, and restrictions may apply based on the loan program selected. The term of the loan may vary based upon program chosen. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required

The Annual Percentage Rate is 6.445% effective 9.1.2022 for a period of 30 days and subject to change. Rates and payments based on 100% Loan to Value. No minimum down payment required. A monthly payment on a 360 month fully amortized $647,200 mortgage loan at 6.25% is $6.16 per $1,000 borrowed. Payments include principal and interest. Actual payments/monthly expenses may be greater due to term selected, property taxes and required homeowner’s insurance. Required closing costs, including property appraisal, title insurance and other fees range from $1,400 to $2,450.

Karrie Wichman
Karrie Wichman, AVP Senior Mortgage Loan Officer, Racine, WI

Your Trusted Mortgage Loan Officer

Whether you are buying your first home or moving into a new home, we will be there to guide you every step of the way.

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