Idaho’s VA Home Loan Specialists

Use the benefits earned through your military service to get a loan for $0 down!

Call for Today’s Rates!

Start your quote for a VA Home Loan

Our VA Home Loan Specialist

Devin Fahrner

Mortgage Loan Officer

Devin Fahrner has over two decades of experience in the mortgage and consumer finance industries and uses his knowledge to provide the highest quality services to his clients and their families. A graduate of Western Oregon State University, Devin has worked in nearly every position in the mortgage industry, including working with Reverse Mortgages. The experiences and challenges he’s encountered over the last several years have provided him a vast skill set that allows him to evaluate each client and help enlighten them on the best possible solution to fit their needs.

In addition to his experience in the business world, Devin proudly spent seven years serving in the Marine Corps. His military experience has provided him discipline and a strong work ethic that he has applied in every aspect of his life.

If you have questions about the world of VA Home Loans, Devin and his team are prepared to help. Call us today for a consultation to determine if a VA Home Loan is right for you and your family.

Get Today's VA Home Loan Rates!

Loan Information

Our aim is to make the VA loan process as simple as possible. We are here to guide our clients every step of the way because we understand how valuable our customer's time is. As our customers, we put your priorities first and want there to be complete transparency throughout the VA loan process. To help with this, listed below is some information to answer your FAQs and get you started.

What is a VA Loan?

A Veterans Affairs (VA) loan is a mortgage loan that is specifically designed for military personnel, veterans and military families. It is guaranteed by the U.S. Department of Veterans Affairs and is a home mortgage loan issued by approved lenders, such as Devin Fahrner, and is guaranteed by the federal government. Your local American Pacific Mortgage advisor Devin Fahrner will provide you with extensive knowledge on mortgage products and loan options, all while creating a personalized mortgage solution that works for you.

If you or your spouse has served or is presently serving in the U.S. military, you might be eligible for a VA loan. A VA loan offers long-term financing with three types of loans: purchase loans, interest rate reduction refinance loans and cash-out refinance loans. No down payment is needed to purchase a home with a VA loan.

Learn More

Who is Eligible for VA Loans?

  • Veterans
  • Active-Duty Personnel
  • Reserve Members
  • National Guard Members
  • Some Surviving Spouses
Learn More

Veterans Administration (VA) Home Loan Benefits

  • Loan Features
  • Up to 100% financing available
  • No monthly private mortgage insurance
  • Credit scores as low as 600 FICO
  • Seller concessions up to 4% of the reasonable value of the property
  • Little to no down payment*
  • Low closing costs
  • No prepayment penalties
  • VA financing fees can be “rolled” into the loan amount
  • Variety of eligible property types, including townhomes, VA-approved condos, and manufactured homes

*A down payment is required if the borrower does not have full VA entitlement, or if the loan amount is greater than $417,000

Learn More

VA Loan Refinancing

The VA Loan program allows qualified, current homeowners to take advantage of lower rates in order to have an overall lower monthly payment. If you are in need of home improvement or some extra help paying off auxiliary debts, a VA refinancing can help you obtain the funds you need, when you need them.

The VA offers two main programs to help military homeowners reduce their rates and make ends meet. For those looking to lower their interest rates and payments, the VA offer a Streamline refinance to help uncover significant savings for military homeowners. If you are more interested in cashing in on some of your home’s equity for home improvements or for an emergency, the Cash-Out Refinance can put funds in your pocket for whatever needs arise.

Learn More

Get Today's VA Home Loan Rates!