Poli is truly honored to be able to assist our military service men and women in helping them navigate through the home loan process to achieving a new home

If you are either:

An Active Servicemember
A Veteran
An Eligible Surviving Spouse

and are looking to buy or refinance a home, fill out our form or call us today to speak with an expert!

Poli Mortgage Group Is Here To Help Guide You Through:

Obtaining a Certificate of Eligibility (COE)
VA Loan rates vs. conventional loans
Determining a potential down payment and private mortgage insurance (PMI)
Minimum FICO score requirements
Available seller and vendor credits to cover inspection costs and fees
Primary residence restrictions

Requirements for VA Loans

The most popular feature of a Veteran’s Administration (VA) home loan is that it offers 100% financing. Usually, a first time home buyer would be required to put down at least 3.5% – 5% of the purchase price of their new home, but this is not a requirement in the case of a VA loan.

In addition, most first time home buyer programs would require costly mortgage insurance, typically known as MI, but this is also a waived requirement for VA mortgages. VA home loans also offer very competitive interest rates, lower credit eligibility requirements and special fee waiver provisions for disabled veterans. Additionally, there is a program that allows a VA loan to include funding the closing costs if approved by the seller.

The VA Mortgage Guarantee Program is administered by the Department of Veteran Affairs and was originally started in 1944 as a way to offset some of the emotional and economic issues for returning World War II service veterans.

Poli Mortgage Group has originated over 48,000 mortgages to date and we’re currently issuing over $1 billion in new mortgage loans each year.

We’re one of the most highly regarded, independently owned mortgage companies on the eastern seaboard.

Fill out the form below & start working with our expert staff today!

Poli Mortgage Group is a Division of radius financial group inc. Corporate NMLS #1846. radius financial group inc. is an Equal Housing Lender. Poli Mortgage Group is licensed in CT, DC, FL, ME, MD, MA, NH, PA and RI. For more licensing information please visit: https://polimortgage.com/licenses/ or by visiting www.nmlsconsumeraccess.org. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs rates, terms and conditions are subject to change and are subject to borrower qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.

* This radius Pre-Approval/Credit Commitment Promise Contract ("Promise") is made and entered into, as of the date of the last signature below, by and between radius financial group inc. ("radius" or "Lender"), and the below-named Buyer and Seller. In consideration of Seller's reliance on this Promise in entering into a real estate purchase transaction with Buyer, the Parties agree as follows:

PROMISE TO SELLER. In the event that a Seller is induced to accept an offer from, and enter into a purchase and sale agreement with, a radius borrower on account of this Promise in connection either with (a) a radius Pre-Approval or (b) a radius Credit Commitment and the Buyer is unable to close on such Eligible Transaction due to a mistake made by radius (with accurate and up-to-date information) on such Pre-Approval/Credit Commitment (a "Bad Pre-Approval"), then radius shall pay Seller ten thousand dollars ($10,000), subject to the terms and conditions herein as Seller's sole remedy.

PROMISE TO BUYER. In the event that radius issues a Bad Pre-Approval to Buyer on an Eligible Transaction, radius will reimburse Buyer reliance expenses up to one thousand dollars ($1,000) for a home inspection, appraisal, or legal expenses actually paid out-of-pocket by Buyer, subject to the terms and conditions herein. This payment shall be Buyer's sole remedy.

ELIGIBLE TRANSACTION. For purposes of this Promise, an "Eligible Transaction" is a purchase money mortgage transaction for a primary residence (made on or after April 1, 2018) (not made to a radius employee or immediate family member), provided that the loan is a Conventional, USDA, VA, or FHA loan product for either (i) an existing home resale or (ii) a newly constructed home that is to be delivered and closed within ninety (90) days of the P&S.

CONDITIONS. The applicable radius Pre-Approval must not have expired prior to the date of the P&S. Offers/P&Ss cancelled due to home inspection issues or title defects are not covered under this Promise, and this Promise is void if a Bad PreApproval is the result of: (i) a change in Buyer's financial position, (ii) property specific requirements or expenses (e.g. homeowner's association dues/fees, flood insurance, or property taxes), or (iii) loan product availability or underwriting requirements, or third-party actions outside of radius' control.

FUNDS DISBURSEMENT. Any funds due and payable under this Promise will be paid if requested by Buyer or Seller in writing within 90 days of the date of an applicable Adverse Action Notice and accompanied by a fully-executed copy of this Promise. Any payments made under this Promise will be reported to the Internal Revenue Service by radius on a Form 1099-MISC or as otherwise required by then-applicable law. Please consult your tax advisor for any tax implications.

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