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Directory of va loan specialists in Spencer, Massachusetts. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Spencer, MA
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 Massachusetts before hiring.
Showing 3 va loan specialists in Spencer, MA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Fairway Independent Mortgage Corp
130 W Main St Unit B, Spencer, MA 01562
7742410770
Cornerstone Bank
176 Main St, Spencer, MA 01562
8009399103
Mortgage House
12 Overlook Dr, Spencer, MA 01562
5086121835
VA loan specialists in Spencer, Massachusetts help eligible veterans, active duty service members, and surviving spouses secure home financing with no down payment. Massachusetts law requires lenders to provide a detailed Loan Estimate within three business days of application. Local specialists understand the Worcester County real estate market and can guide you through the Certificate of Eligibility process.
What Does a VA Loan Specialist in Spencer Cost?
Typical costs for a VA loan specialist in Massachusetts include an origination fee of 0.5 to 1.0 percent of the loan amount. Appraisal fees range from 500 to 700 dollars. Closing costs in Spencer generally total 2 to 5 percent of the purchase price. The VA funding fee for first time use is 2.15 percent of the loan amount for regular military. 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 basic eligibility requirements for a VA loan in Spencer?
You must meet VA service requirements, such as 90 consecutive days of active service during wartime or 181 days during peacetime. You also need a valid Certificate of Eligibility from the VA. Lenders in Spencer will review your credit score and debt-to-income ratio.
Can I use a VA loan for a multi-family property in Spencer?
Yes, you can use a VA loan to buy a two to four unit property if you occupy one unit as your primary residence. The property must meet VA minimum property requirements. Massachusetts has specific property tax exemptions for veterans that may apply.
Are there any Massachusetts specific fees for VA loans?
Massachusetts does not impose a state specific VA loan fee. However, you may pay a VA funding fee unless you are exempt due to a service connected disability. County recording fees and local transfer taxes in Worcester County may apply.
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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 Massachusetts.