Lender Fees
Origination and lender-side charges. We do not charge lender fees, so this line is where a padded quote shows up fastest when you compare.
VA Loan Closing Costs
Zero Down Doesn'tMean Zero Costs.
A VA loan can often be done with no down payment, but a closing still has costs. The VA limits what a Veteran can be charged, and knowing those limits is how you spot a quote that is padded.
We charge no lender fees. The third-party costs still exist, and we show them to you.
Every loan officer on our team is a Veteran or a military spouse. Call (678) 488-0608.
No Lender Fees
Military Serving Military™
Where the Money Goes
The Cost Categories at VA Closing.
VA Funding Fee
A one-time fee paid to the VA that varies by down payment and whether the benefit has been used before. It can usually be financed into the loan.
Funding Fee Exemptions
Some borrowers are exempt — for example, many receiving VA compensation for a service-connected disability. Exemption is confirmed by the VA, not by us.
Third-Party Costs
Appraisal, title, recording, and settlement services. These are real costs paid to other companies and are not lender profit.
Prepaids & Escrows
Homeowners insurance, property taxes, and per-diem interest collected at closing. These are your own expenses paid in advance, not fees.
Seller Concessions
A seller may contribute toward certain costs within VA and program limits. Whether it happens depends on your negotiation and the market.
How to Read a Quote
How to Spot a Padded Estimate.
- Compare Loan Estimates page by page, not by the rate on the front
- Look at Section A — lender fees — before anything else
- Check whether the funding fee is being financed or collected at closing
- Confirm whether an exemption applies to you before accepting the fee
- Separate real third-party costs from lender charges dressed up as third-party
- Ask what is estimated versus locked, since prepaids move with your closing date
Common Questions
Straight Answers.No Runaround.
Cost examples are illustrative and educational. This page is not a loan approval, a commitment to lend, a rate quote, or a Loan Estimate. Actual costs vary by loan, property, state, and third-party providers and are disclosed in your Loan Estimate and Closing Disclosure. Military Mortgage LLC is a mortgage broker and is not affiliated with the U.S. Department of Veterans Affairs or any government agency. NMLS #Coming Soon — licensing in progress. Equal Housing Opportunity.
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