Exemption
Some buyers do not pay the VA funding fee. Common paths involve VA compensation for a service-connected disability and related official categories. This is not automatic because someone “heard” they qualify.
VA describes exemption situations that can include receiving VA compensation for a service-connected disability, certain eligibility-while-receiving-retirement/active-duty-pay situations, qualifying surviving spouse situations, certain pre-discharge ratings, and Purple Heart evidence before closing for active-duty service members — always confirm against current VA guidance and your lender’s documentation checklist.
Direct: Bring documentation early. Discovering an exemption (or the lack of one) a week before closing is how budgets blow up.
Ashley / FSB reviews how exemption status changes the Loan Estimate. MoJo can help you plan offer cash-to-close assumptions once the lender confirms treatment of the fee.
Search, showings, negotiations, inspections, and closing coordination in Kansas and Missouri. MoJo is not a lender and does not set rates or approve loans.
Ashley Jones (NMLS 1739681), First State Bank Mortgage, reviews VA purchase and refinance scenarios. Loans subject to approval, licensing, and underwriting. No promised rates.
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First State Bank Mortgage is a division of First State Bank of St. Charles, MO, NMLS ID: 416668. Equal Housing Lender. Authorized to lend in all 50 states. Not a loan commitment. All loans subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions can change without notice. Restrictions may apply.
MoJo for KS/MO representation. Ashley for lender review. Straight answers — no rate hype.
(816) 268-6068