© LOAN PROGRAMS PRODUCT 18 OF 20
The lowest possible initial payment for a veteran who is not planning to stay thirty years. Fixed for the first 3 or 5 years, then adjusting with the market, at up to 100% LTV with no down payment and loans to $4,000,000.
REQUIREMENTS
BENEFITS
© BANK FINANCING PRODUCT 18 OF 20
A thirty-year fixed rate is a bet that you will still be in the house in thirty years. Plenty of service members and veterans know they will not be: orders move, families grow, a refinance is already on the calendar. The adjustable rate mortgage prices the years that will actually happen, holding the rate fixed for the first 3 or 5 years and then adjusting with the market.
The published terms are a 3/1 or 5/1 ARM structure at up to 100% LTV with loans to $4,000,000. One hundred percent leverage with no down payment is the VA benefit doing what it was created to do, and it applies here exactly as it does on the fixed-rate VA Elite card. The transaction line covers both purchase and refinance, and the property must be a primary residence.
Two constraints are published and both are worth knowing before the application. The FICO requirement is tiered at 580 or better for standard and 640 or better for Elite pricing. And rate buydowns are not available on this product, which is a real trade against the VA Elite card, where temporary rate buydown options are published as a benefit. Adjustment happens after 3 or 5 years.
Looking for the lowest possible payment? Our VA Adjustable Rate Mortgages offer fixed rates for the first 3 or 5 years, then adjust with the market. Perfect if you plan to move or refinance before the adjustment period.
Loan Goat, on va 3/1 & 5/1 arm loans
Terms, requirements and benefits on this page are printed exactly as Loan Goat publishes them.
© THE COMPARISON 4 PRODUCTS IN THIS PROGRAM
Three VA cards, one decision: how long is the hold, and is there already a VA loan in place. This card is the short-hold answer; the other two are the long-hold and the refinance answers.
Fixed rather than adjustable, at a 640+ FICO, with escrow waivers and temporary rate buydown options available.
For a veteran who already holds a VA loan: a streamline refinance with no appraisal or income verification in most cases.
For a self-employed borrower without VA eligibility: 12 to 24 months of statements, Non-QM loans from $200,000 to $10,000,000 over 5 to 30 years.
For a short gap rather than a mortgage: interest-only at up to 75% LTV over one or two years, with owner occupied permitted.
Every figure below is the one printed on that product's live terms card. Rates and pricing are subject to change and are not a commitment to lend.
| Product | LTV Up To | Terms | Loan Amounts |
|---|---|---|---|
| BANK STATEMENT MORTGAGE LOANS | 5 to 30 years | $200,000 to $10,000,000 Non-QM | |
| P&L-ONLY BUSINESS MORTGAGE LOANS | 5 to 30 years | $200,000 to $10,000,000 Non-QM | |
| SBA 7(A) & 504 LOANS | 5 to 30 years | Sized to the property | |
| VA 3/1 & 5/1 ARM LOANS | 100% | 3/1 & 5/1 ARM | $4,000,000 |
WHO IT IS FOR · 02
Eligible veterans and service members buying or refinancing a primary residence who expect to move or refinance before the fixed period ends, and who want the lowest initial payment available.
OUR PROCESS · 03
The four steps, with VA eligibility documentation in the second one. Loan Goat is veteran owned and the founder served as a United States Marine Corps Sergeant, which is why these files are handled in-house rather than passed along.
© PROPERTY TYPES AS PRINTED ON THE TERMS CARD
Primary residence only, on purchase or refinance. Investment property for a veteran investor is financed on the bridge, fix and flip or DSCR products instead.
© VA 3/1 & 5/1 ARM LOANS
PRICED FOR THE YEARS YOU WILL ACTUALLY BE THERE.
PUBLISHED TERMS
© VETERAN OWNED U.S. MARINE CORPS
LOAN GOAT INC IS VETERAN OWNED!
Our Founder and CEO, Milad Shamoun, was a United States Marine Corps Sergeant. As a Veteran owned company, we are proud to serve those who have bravely served in the armed forces.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
© QUESTIONS 5 ANSWERS
The rate is fixed for the first 3 or 5 years and then adjusts with the market. The card publishes fixed rates for the first 3 or 5 years and market-based adjustments after the fixed period, with adjustment after 3 or 5 years.
Up to 100% LTV with no down payment is published on the card, the VA benefit applied in full. Loans run to $4,000,000 on a primary residence, for purchase or refinance.
The card publishes a tiered requirement: 580 or better for standard and 640 or better for Elite. The VA Elite card publishes a single 640+ requirement and is priced for higher scores.
No. Rate buydowns: not available is published on this card. Temporary rate buydown options are published as a benefit on the VA Elite card instead, which is fixed rather than adjustable.
The card answers it directly: perfect if you plan to move or refinance before the adjustment period, and ideal for planned moves or refinances. If the plan is to stay past the fixed window, the VA Elite fixed card is the safer structure.
© LOAN REQUEST 2 MINUTES
The loan information form with Bank Financing Loans already selected. A lending advisor from our firm will reach out. Or just give us a call now: (619) 617-2797.
