VA basics
VA does not lend you the money. Private lenders do, with a VA guaranty. That distinction drives how you shop.
Eligible veterans, service members, and some surviving spouses can use a VA-backed loan through a private lender. Lenders price and fee differently. Your job is to compare full Loan Estimates — not a mailer rate.
Direct: A heavily advertised “veteran lender” is not automatically the lowest-cost option. Compare the paperwork.
MoJo helps with the real estate side in KS/MO. Ashley Jones (FSB, NMLS 1739681) reviews lending. Confirm COE early, then shop estimates while you tour homes that are realistically VA-financeable.
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.
Start Ashley’s FSB application
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