{"data":{"path":"midwest-bankcentre/va-purchase-loan","artwork":null,"name":"VA Purchase Loan","officialName":"VA Purchase Loan","type":"mortgage","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Midwest BankCentre","handle":"midwest-bankcentre"},"institution":{"name":"Midwest BankCentre","handle":"midwest-bankcentre"},"actualIssuerName":null,"standardOffer":{"id":"1330","offerKind":"standard","channel":null,"nameAsFiled":"VA Purchase Loan","handle":null,"terms":{"productId":"2514","path":"midwest-bankcentre/va-purchase-loan","name":"VA Purchase Loan","officialName":"VA Purchase Loan","aliases":[],"institutionId":"68832","institutionName":"Midwest BankCentre","institutionHandle":"midwest-bankcentre","issuerName":null,"productType":"mortgage","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":null,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T08:39:13.324Z","sources":[{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"6b280efa7ba4e272d5036d4e3c7881a4","pageNumber":null,"quote":"Helps a service member purchase a home for occupancy at a competitive interest rate.","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"}],"currencyCode":"USD","minimumAmountCents":null,"minimumAmountNullReason":"not_parsed","maximumAmountCents":null,"maximumAmountNullReason":"not_parsed","minimumTermMonths":null,"minimumTermNullReason":"not_parsed","maximumTermMonths":null,"maximumTermNullReason":"not_parsed","collateralType":null,"collateralTypeNullReason":"not_parsed","maximumLoanToValueBps":null,"maximumLoanToValueNullReason":"not_parsed","drawPeriodMonths":null,"drawPeriodNullReason":"not_parsed","repaymentPeriodMonths":null,"repaymentPeriodNullReason":"not_parsed","prepaymentPenalty":null,"prepaymentPenaltyNullReason":"not_parsed","rateFloorBps":null,"rateFloorNullReason":"not_parsed","rateCapBps":null,"rateCapNullReason":"not_parsed"},"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[{"fieldKey":"loan_access","reason":"unparsed_value","detail":"Helps a service member purchase a home for occupancy at a competitive interest rate.\nA Veterans Affairs (VA) home loan is a great benefit to qualified military personnel during and after their service. Midwest BankCentre understands the importance of homeownership for military members and their families, and we are honored to help qualified national guard, reservist, active, and retired military use this product to meet their unique needs. With no money down, no private mortgage insurance, and a competitive rate, VA home loans are a great choice for those who qualify. Let us assist you with your new home loan today.\nThe VA Loan Program is a benefit offered by the United States Department of Veterans Affairs that assists active service members, veterans, and eligible surviving spouses in buying a home. VA home loans are issued by private lenders like Midwest BankCentre and are guaranteed in part by the VA. This government-backed mortgage loan allows the private lender to offer more favorable terms.\nNo down payment\nPotentially lower interest rate\nHigher loan limit\nNo private mortgage insurance (PMI)\nLimit on closing costs\nOption for seller to pay closing costs\nNo penalty fee for early payoffs\nPossible VA assistance if you have difficulty with the monthly payment\nVA home loan guarantee is a lifetime benefit\nVA loans are available for veterans, active duty military, including Army National Guard, reservists, as well as some surviving spouses. Borrowers must meet the lender’s set of criteria, such as income and credit requirements, but the VA does not have a minimum credit score requirement.\nVA loans typically include a one-time VA funding fee, which varies based on down payment and loan usage, ranging from 1.25% to 3.3% of the loan amount. Other fees, like appraisal, closing costs, and title fees, may also apply, but there is no PMI.\nNo, VA loans are intended for primary residences and cannot be used to purchase investment or vacation properties.\nIf you are a qualified military member or spouse and are ready to purchase a home, you can start the process today. Once you have a Certificate of Eligibility from the Department of Veterans Affairs, you can apply online or contact one of our mortgage specialists for assistance. We appreciate your service to our country and are honored to help you and your family achieve your dream of homeownership. ","sources":[{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"6b280efa7ba4e272d5036d4e3c7881a4","pageNumber":null,"quote":"Helps a service member purchase a home for occupancy at a competitive interest rate.","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"52596817e46ab09f87f424323c6d342b","pageNumber":null,"quote":"A Veterans Affairs (VA) home loan is a great benefit to qualified military personnel during and after their service. Midwest BankCentre understands the importance of homeownership for military members and their families, and we are honored to help qualified national guard, reservist, active, and retired military use this product to meet their unique needs. With no money down, no private mortgage …","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"c50390469c0268415b6ff18b8171ebcf","pageNumber":null,"quote":"The VA Loan Program is a benefit offered by the United States Department of Veterans Affairs that assists active service members, veterans, and eligible surviving spouses in buying a home. VA home loans are issued by private lenders like Midwest BankCentre and are guaranteed in part by the VA. This government-backed mortgage loan allows the private lender to offer more favorable terms.","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"752903abcf22cb18fac974d8c714659d","pageNumber":null,"quote":"No down payment","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"e02679816b9bd72bc34df96c663bd757","pageNumber":null,"quote":"Potentially lower interest rate","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"dd376fbbe2cffc6b6b17c82e68028f30","pageNumber":null,"quote":"Higher loan limit","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"3bb5fe6967c99b37ef4f378db87e8e75","pageNumber":null,"quote":"No private mortgage insurance (PMI)","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"8377ceac85a64a656e2add9174310c88","pageNumber":null,"quote":"Limit on closing costs","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"f3879392391e27eab47e86a273cf600a","pageNumber":null,"quote":"Option for seller to pay closing costs","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"d7b592c0521a26de2c9a5c1139c8607d","pageNumber":null,"quote":"No penalty fee for early payoffs","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"193f05bd49c2b2aad7b284a9afdae8cd","pageNumber":null,"quote":"Possible VA assistance if you have difficulty with the monthly payment","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"a72cf989a3f106f7c24171c84abd64f1","pageNumber":null,"quote":"VA home loan guarantee is a lifetime benefit","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"74fac3896bcd8d11729598b0abfb608a","pageNumber":null,"quote":"VA loans are available for veterans, active duty military, including Army National Guard, reservists, as well as some surviving spouses. Borrowers must meet the lender’s set of criteria, such as income and credit requirements, but the VA does not have a minimum credit score requirement.","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"25b88197949ecbcca94f22fd5710eb4e","pageNumber":null,"quote":"VA loans typically include a one-time VA funding fee, which varies based on down payment and loan usage, ranging from 1.25% to 3.3% of the loan amount. Other fees, like appraisal, closing costs, and title fees, may also apply, but there is no PMI.","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"2ef01d1e523254c8dfd18ca3d3c1ef78","pageNumber":null,"quote":"No, VA loans are intended for primary residences and cannot be used to purchase investment or vacation properties.","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"8285d2e19d3493f65d9541e2a4526977","pageNumber":null,"quote":"If you are a qualified military member or spouse and are ready to purchase a home, you can start the process today. Once you have a Certificate of Eligibility from the Department of Veterans Affairs, you can apply online or contact one of our mortgage specialists for assistance. We appreciate your service to our country and are honored to help you and your family achieve your dream of homeownersh…","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"}]}]},"offers":[{"id":"1330","offerKind":"standard","channel":null,"nameAsFiled":"VA Purchase Loan","handle":null,"terms":{"productId":"2514","path":"midwest-bankcentre/va-purchase-loan","name":"VA Purchase Loan","officialName":"VA Purchase Loan","aliases":[],"institutionId":"68832","institutionName":"Midwest BankCentre","institutionHandle":"midwest-bankcentre","issuerName":null,"productType":"mortgage","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":null,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T08:39:13.324Z","sources":[{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"6b280efa7ba4e272d5036d4e3c7881a4","pageNumber":null,"quote":"Helps a service member purchase a home for occupancy at a competitive interest rate.","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"}],"currencyCode":"USD","minimumAmountCents":null,"minimumAmountNullReason":"not_parsed","maximumAmountCents":null,"maximumAmountNullReason":"not_parsed","minimumTermMonths":null,"minimumTermNullReason":"not_parsed","maximumTermMonths":null,"maximumTermNullReason":"not_parsed","collateralType":null,"collateralTypeNullReason":"not_parsed","maximumLoanToValueBps":null,"maximumLoanToValueNullReason":"not_parsed","drawPeriodMonths":null,"drawPeriodNullReason":"not_parsed","repaymentPeriodMonths":null,"repaymentPeriodNullReason":"not_parsed","prepaymentPenalty":null,"prepaymentPenaltyNullReason":"not_parsed","rateFloorBps":null,"rateFloorNullReason":"not_parsed","rateCapBps":null,"rateCapNullReason":"not_parsed"},"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[{"fieldKey":"loan_access","reason":"unparsed_value","detail":"Helps a service member purchase a home for occupancy at a competitive interest rate.\nA Veterans Affairs (VA) home loan is a great benefit to qualified military personnel during and after their service. Midwest BankCentre understands the importance of homeownership for military members and their families, and we are honored to help qualified national guard, reservist, active, and retired military use this product to meet their unique needs. With no money down, no private mortgage insurance, and a competitive rate, VA home loans are a great choice for those who qualify. Let us assist you with your new home loan today.\nThe VA Loan Program is a benefit offered by the United States Department of Veterans Affairs that assists active service members, veterans, and eligible surviving spouses in buying a home. VA home loans are issued by private lenders like Midwest BankCentre and are guaranteed in part by the VA. This government-backed mortgage loan allows the private lender to offer more favorable terms.\nNo down payment\nPotentially lower interest rate\nHigher loan limit\nNo private mortgage insurance (PMI)\nLimit on closing costs\nOption for seller to pay closing costs\nNo penalty fee for early payoffs\nPossible VA assistance if you have difficulty with the monthly payment\nVA home loan guarantee is a lifetime benefit\nVA loans are available for veterans, active duty military, including Army National Guard, reservists, as well as some surviving spouses. Borrowers must meet the lender’s set of criteria, such as income and credit requirements, but the VA does not have a minimum credit score requirement.\nVA loans typically include a one-time VA funding fee, which varies based on down payment and loan usage, ranging from 1.25% to 3.3% of the loan amount. Other fees, like appraisal, closing costs, and title fees, may also apply, but there is no PMI.\nNo, VA loans are intended for primary residences and cannot be used to purchase investment or vacation properties.\nIf you are a qualified military member or spouse and are ready to purchase a home, you can start the process today. Once you have a Certificate of Eligibility from the Department of Veterans Affairs, you can apply online or contact one of our mortgage specialists for assistance. We appreciate your service to our country and are honored to help you and your family achieve your dream of homeownership. ","sources":[{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"6b280efa7ba4e272d5036d4e3c7881a4","pageNumber":null,"quote":"Helps a service member purchase a home for occupancy at a competitive interest rate.","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"52596817e46ab09f87f424323c6d342b","pageNumber":null,"quote":"A Veterans Affairs (VA) home loan is a great benefit to qualified military personnel during and after their service. Midwest BankCentre understands the importance of homeownership for military members and their families, and we are honored to help qualified national guard, reservist, active, and retired military use this product to meet their unique needs. With no money down, no private mortgage …","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"c50390469c0268415b6ff18b8171ebcf","pageNumber":null,"quote":"The VA Loan Program is a benefit offered by the United States Department of Veterans Affairs that assists active service members, veterans, and eligible surviving spouses in buying a home. VA home loans are issued by private lenders like Midwest BankCentre and are guaranteed in part by the VA. This government-backed mortgage loan allows the private lender to offer more favorable terms.","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"752903abcf22cb18fac974d8c714659d","pageNumber":null,"quote":"No down payment","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"e02679816b9bd72bc34df96c663bd757","pageNumber":null,"quote":"Potentially lower interest rate","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"dd376fbbe2cffc6b6b17c82e68028f30","pageNumber":null,"quote":"Higher loan limit","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"3bb5fe6967c99b37ef4f378db87e8e75","pageNumber":null,"quote":"No private mortgage insurance (PMI)","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"8377ceac85a64a656e2add9174310c88","pageNumber":null,"quote":"Limit on closing costs","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"f3879392391e27eab47e86a273cf600a","pageNumber":null,"quote":"Option for seller to pay closing costs","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"d7b592c0521a26de2c9a5c1139c8607d","pageNumber":null,"quote":"No penalty fee for early payoffs","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"193f05bd49c2b2aad7b284a9afdae8cd","pageNumber":null,"quote":"Possible VA assistance if you have difficulty with the monthly payment","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"a72cf989a3f106f7c24171c84abd64f1","pageNumber":null,"quote":"VA home loan guarantee is a lifetime benefit","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"74fac3896bcd8d11729598b0abfb608a","pageNumber":null,"quote":"VA loans are available for veterans, active duty military, including Army National Guard, reservists, as well as some surviving spouses. Borrowers must meet the lender’s set of criteria, such as income and credit requirements, but the VA does not have a minimum credit score requirement.","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"25b88197949ecbcca94f22fd5710eb4e","pageNumber":null,"quote":"VA loans typically include a one-time VA funding fee, which varies based on down payment and loan usage, ranging from 1.25% to 3.3% of the loan amount. Other fees, like appraisal, closing costs, and title fees, may also apply, but there is no PMI.","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"2ef01d1e523254c8dfd18ca3d3c1ef78","pageNumber":null,"quote":"No, VA loans are intended for primary residences and cannot be used to purchase investment or vacation properties.","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37815","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:39:13.324Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/va-loans/","passageId":"8285d2e19d3493f65d9541e2a4526977","pageNumber":null,"quote":"If you are a qualified military member or spouse and are ready to purchase a home, you can start the process today. Once you have a Certificate of Eligibility from the Department of Veterans Affairs, you can apply online or contact one of our mortgage specialists for assistance. We appreciate your service to our country and are honored to help you and your family achieve your dream of homeownersh…","recordId":"official-issuer:page:url:f978d7bf65e55ae6c50777a1675aedbefdeda51f57a9087a6ce92158d107186a","recordFields":[],"fieldKey":"loan_access"}]}]}],"documents":[]}}