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Directory of va loan specialists in St. Charles, Illinois. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
St. Charles, 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 20 va loan specialists in St. Charles, 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.
Team Hochberg
11 E Main St Office 106, St. Charles, IL 60174
8555632843
The Money Store: Carlos Villalon, Branch Manager
405 Illinois Ave #2c, St. Charles, IL 60174
8478096281
Steve Hendriksen - Mortgage Lender
11 E Main St Office 106, St. Charles, IL 60174
2176203894
Kelly DePauw - Mortgage Lender; First American Bank
The Mortgage Link- St. Charles, IL Steven Phras Branch
2320 Dean St # 106, St. Charles, IL 60175
8476306636
The Bukowski Mortgage Team - The Money Store
405 Illinois Ave #2c, St. Charles, IL 60174
6302543752
Guild Mortgage - Julie Parrilli
40w310 LaFox Rd c1, St. Charles, IL 60175
6309880094
Tracy Flanagan-Vice President Residential Lending-Green State Mortgage
3755 E Main St Suite #140, St. Charles, IL 60174
8889010026
Chris Hoss at CrossCountry Mortgage
116 E Main St #2n, St. Charles, IL 60174
6308840030
Guild Mortgage - Clarita Lage
40w310 LaFox Rd c1, St. Charles, IL 60175
6305249687
Telli Panagakis at CrossCountry Mortgage
116 E Main St, St. Charles, IL 60174
6302859300
Traci Emond - Guild Mortgage
40w310 LaFox Rd C-1, St. Charles, IL 60175
2248056482
Guild Mortgage - Claude Ehinger
40w310 LaFox Rd C-1, St. Charles, IL 60175
8473800094
The Hoss Team at CrossCountry Mortgage
116 E Main St, St. Charles, IL 60174
6308845000
Partners In Mortgage
1350 E Main St, St. Charles, IL 60174
6304439131
GreenState Mortgage - Patrick McClain NMLS # 755881
3755 E Main St Suite 152, St. Charles, IL 60174
6305445851
Guild Mortgage Company
40w310 LaFox Rd C-1, St. Charles, IL 60175
6303263630
Mutual of Omaha Mortgage
104 S 2nd Ave, St. Charles, IL 60174
8004855364
A VA loan specialist in St. Charles, Illinois helps veterans, active duty service members, and eligible surviving spouses obtain home financing through the U.S. Department of Veterans Affairs. Illinois law requires VA loans to meet specific state property standards, including a valid well and septic certificate for rural properties. St. Charles offers a range of homes that may qualify for VA financing, and a local specialist can guide you through the process.
What Does a VA Loan Specialist in St. Charles Cost?
VA loan specialists in Illinois typically charge a flat fee or a percentage of the loan amount. Common fees range from 1% to 2% of the loan value, though some specialists offer free initial consultations. You may also pay a VA funding fee, which is 2.15% for first-time use with zero down payment. Costs vary by lender and loan size. 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 are the eligibility requirements for a VA loan in St. Charles?
You must have served a minimum period of active duty, typically 90 days during wartime or 181 days during peacetime. National Guard and Reserve members may qualify after six years of service. A Certificate of Eligibility from the VA is required.
Are there property condition requirements for VA loans in Illinois?
Yes, the property must meet VA minimum property requirements, including a safe water supply, adequate heating, and no lead-based paint hazards. In St. Charles, homes with private wells or septic systems must pass local health department inspections.
Can I use a VA loan to buy a condo in St. Charles?
Yes, but the condo complex must be VA-approved. You can check the VA list of approved condominium projects. A local specialist can help verify if a specific St. Charles condo qualifies.
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Compare VA Loan Specialists
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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.