VA Loans in Southaven, MS
Looking for a va loan near Southaven, MS? Harris Capital Mortgage Group is a licensed mortgage lender serving Southaven and surrounding areas. Get a free estimate — no hard credit check. NMLS# 1918223.
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VA Loan Near Southaven, MS
Mississippi consistently offers some of the most affordable home prices in the Southeast. The Mississippi Home Corporation provides down payment assistance and first mortgage programs for eligible buyers across the state.
Harris Capital Mortgage Group (NMLS# 1918223) is a licensed mortgage lender near Southaven, MS serving buyers throughout the MS market. Whether you're searching for a va loan near Southaven or anywhere in MS, our loan officers know the local market and will guide you through every step of the process.
Southaven Market Snapshot
Areas within Southaven we commonly serve
Estimates are for informational purposes only and are not a loan approval or commitment to lend. Rates and terms subject to credit approval and change without notice.
Frequently Asked Questions: VA Loan in Southaven, MS
Can I buy a home in Southaven, MS with a VA loan and zero down payment?
Yes. If you are an eligible veteran, active duty service member, or qualifying surviving spouse, a VA loan in Southaven, MS allows 100% financing — zero down payment, no private mortgage insurance. Harris Capital Mortgage Group's VA specialists handle your Certificate of Eligibility (COE) and guide you through the VA appraisal process specific to MS.
What is the VA funding fee for a home purchase in MS?
For most first-time VA loan users putting zero down, the funding fee is 2.15% of the loan amount. For subsequent uses it rises to 3.3%. Some veterans with service-connected disabilities are fully exempt from the funding fee. Your HCMG loan officer will verify your exemption status before estimating your closing costs.
How long does it take to close a VA loan in Southaven?
Most VA loans in Southaven close in 30–45 days when all documents are submitted promptly. The VA appraisal — which can only be ordered by a VA-approved lender — is often the longest step. Harris Capital's VA team in MS knows the local appraiser timeline and will set accurate expectations from day one.
VA Loan, Common Questions
Who qualifies for a VA loan?
Active duty service members, veterans, National Guard members, reservists, and eligible surviving spouses may qualify. A Certificate of Eligibility (COE) is required.
Do VA loans require a down payment?
No. VA loans typically require zero down payment, which is one of the most significant benefits available to eligible borrowers.
Is there a VA funding fee?
Yes. Most VA loans include a funding fee (0.5%–3.3% depending on service history and down payment). Some veterans are exempt due to disability.