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 Pennsylvania before hiring.
Showing 7 va loan specialists in Waynesboro, PA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
OneMain Financial
2100 E Main St, Waynesboro, PA 17268
7177621141
Patriot Federal Credit Union
10933 Buchanan Trail E, Waynesboro, PA 17268
7172634444
Veterans of Foreign Wars
346 W Main St, Waynesboro, PA 17268
7177625312
Truist
232 E Main St, Waynesboro, PA 17268
7177623121
M&T Bank
13 W Main St, Waynesboro, PA 17268
7177653315
Middletown Valley Bank
11337 Buchanan Trail E, Waynesboro, PA 17268
7177883250
Waynesboro Financial Services
10933 Buchanan Trail E, Waynesboro, PA 17268
7177495017
What Does a VA Loan Specialist in Waynesboro Cost?
Typical costs for a VA loan in Pennsylvania include a one-time VA funding fee ranging from 1.25% to 3.3% of the loan amount depending on your down payment and service category. Closing costs usually total 2% to 5% of the purchase price, covering appraisal, title search, and lender fees. Pennsylvania does not allow lenders to charge prepayment penalties on VA loans. 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 is a VA loan specialist in Waynesboro?
A VA loan specialist is a mortgage professional who focuses on VA-backed home loans. They help veterans understand eligibility requirements, gather necessary documents, and find lenders familiar with VA rules. In Waynesboro, these specialists often work with local banks and credit unions that serve Franklin County.
Do I need a specific credit score for a VA loan in Pennsylvania?
The VA does not set a minimum credit score, but most lenders in Pennsylvania require a score of at least 620. Each lender sets its own standards, so a specialist can help you find one that matches your financial profile. Pennsylvania law does not impose additional credit requirements beyond federal guidelines.
Can I use a VA loan for a second home in Waynesboro?
VA loans are intended for primary residences only. You cannot use a VA loan for a vacation home or investment property. However, if you move and keep your existing home as a rental, you may still qualify for a second VA loan under certain entitlement rules.