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Directory of va loan specialists in O'Fallon, Illinois. Verify credentials with the state mortgage licensing authority before hiring.
18 agents listed
Updated May 2026
O'Fallon, IL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Illinois before hiring.
Showing 18 va loan specialists in O'Fallon, IL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Heights Finance
631 W Hwy 50, O'Fallon, IL 62269
6186281300
Chris Luebbers - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6188038214
Christopher Ryan Duncan - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6188068624
New American Funding - Jody Talick
813 W Hwy 50, O'Fallon, IL 62269
6187225233
World Finance
1407 W Hwy 50 #102, O'Fallon, IL 62269
6186245630
New American Funding - Dave Hohe
813 W Hwy 50, O'Fallon, IL 62269
6184075564
Ryan Luechtefeld - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6185933608
Doug Shoemaker - Shoemaker Loan Team - Homestead Financial Mortgage
220 E State St, O'Fallon, IL 62269
6183076106
New American Funding - O'Fallon, IL
813 W Hwy 50, O'Fallon, IL 62269
6182161288
OneMain Financial
1334 Central Park Dr Ste 4, O'Fallon, IL 62269
6186247015
Cara Srogus at Rate (NMLS #1145645)
111A W State St, O'Fallon, IL 62269
6187793031
Bank of O'Fallon
901 S Lincoln Ave, O'Fallon, IL 62269
6186323595
Kent Schmitz - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6188307246
Alex Burden - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
3145915267
Guaranteed Rate-Carl Wasem
111A W State St, O'Fallon, IL 62269
6189725534
Midwest BankCentre
920 Talon Dr, O'Fallon, IL 62269
6186229801
Jay Jenkins USA Mortgage
220 E State St Suite 1G, O'Fallon, IL 62269
6186167460
Rate
111A W State St, O'Fallon, IL 62269
6185515075
A VA loan specialist in O Fallon Illinois can guide veterans through the home buying process using benefits from the U.S. Department of Veterans Affairs. Illinois law requires lenders to provide specific disclosures for VA loans, including a notice about funding fees. Local specialists understand the O Fallon real estate market and can help with property eligibility requirements.
What Does a VA Loan Specialist in O'Fallon Cost?
Most VA loan specialists in Illinois charge a fee of 1 to 2 percent of the loan amount, though some work on a flat fee basis. Typical costs range from 500 to 3000 dollars depending on the loan size and complexity. The VA funding fee is 2.15 percent for first time use with zero down payment, but this fee is waived for veterans receiving VA disability compensation. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a VA loan specialist do in O Fallon Illinois?
A VA loan specialist helps veterans understand their home loan benefits, pre qualify for a loan, and complete the application process. They also explain Illinois specific rules like the funding fee exemption for disabled veterans.
Do I need a VA loan specialist to buy a home in O Fallon?
You do not need a specialist, but using one can simplify the process. They know how to handle Illinois property tax exemptions and the VA appraisal requirements for homes in St. Clair County.
Are there Illinois specific rules for VA loans?
Yes, Illinois requires lenders to give a written estimate of closing costs within three days of application. Also, the state offers a property tax exemption for veterans with service connected disabilities.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Illinois.