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Directory of va loan specialists in Oak Harbor, Washington. Verify credentials with the state mortgage licensing authority before hiring.
13 agents listed
Updated May 2026
Oak Harbor, WA
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 Washington before hiring.
Showing 13 va loan specialists in Oak Harbor, WA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Envoy Mortgage - Oak Harbor, WA
520 E Whidbey Ave 107 & 111, Oak Harbor, WA 98277
3606394780
Peter DeVries with Epic Finance LLC Mortgage Brokers - Powered By Barrett Financial Group NMLS#181106
939 N Deer Park Ln, Oak Harbor, WA 98277
3607918064
Team Jackson Ozell & Julie Jackson
860 SE Bayshore Dr Suite 101, Oak Harbor, WA 98277
4255332473
Guild Mortgage - Josh Hansen
2824 N Torpedo Rd, Oak Harbor, WA 98277
9712228440
Disabled American Veterans
3037 N Goldie Rd, Oak Harbor, WA 98277
3606822945
Julie Jackson
860 SE Bayshore Dr Suite 101, Oak Harbor, WA 98277
4255332473
Global Credit Union Home Loans | License #CL-157293
650 NE Midway Blvd #101, Oak Harbor, WA 98277
8007373033
Amy Shockley
860 SE Bayshore Dr Suite101, Oak Harbor, WA 98277
3609296586
PrimeLending, a PlainsCapital Company - Oak Harbor
32650 State Rte 20 E207, Oak Harbor, WA 98277
3607227600
James Hart
32785 State Rte 20 Suites 5 & 6, Oak Harbor, WA 98277
3608654292
Team Jackson, CMG Home Loans - Oak Harbor
860 SE Bayshore Dr Ste 101, Oak Harbor, WA 98277
4255332473
Guild Mortgage - Jacki Jacukowicz
32785 State Rte 20 Suites 5 & 6, Oak Harbor, WA 98277
3606756106
Tami Encinas
860 SE Bayshore Dr Suite101, Oak Harbor, WA 98277
3602796981
What Does a VA Loan Specialist in Oak Harbor Cost?
VA loan specialists typically do not charge a separate fee for their services. Their compensation comes from the lender as part of the loan origination process. In Washington, closing costs for a VA loan usually range from 2 percent to 5 percent of the loan amount. The VA funding fee for first time use is 2.15 percent for regular military and 2.4 percent for Reserve or National Guard with zero down payment. This fee can be waived for veterans with a service connected disability. Note that this is general information 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 Oak Harbor?
A VA loan specialist guides you through the VA home loan process including obtaining your Certificate of Eligibility and finding a lender. They help you understand Washington state property tax exemptions for disabled veterans. They also coordinate with local real estate agents who know Oak Harbor neighborhoods.
Do I need a VA loan specialist if I am a veteran in Washington?
You do not need a specialist but using one can simplify the process. Washington has specific rules about funding fees and appraisal requirements that a specialist can explain. They also help you avoid common mistakes that delay closing.
How do I choose a VA loan specialist in Oak Harbor?
Look for a specialist with experience handling loans for buyers near military bases like NAS Whidbey. Check that they are licensed in Washington and familiar with local market conditions. Ask about their knowledge of Washington state specific VA loan benefits such as the property tax exemption for 100 percent disabled veterans.
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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 Washington.