South Ogden Branch | 5703 South 1475 East, Suite 2 South Ogden, UT 84403
801.698.2927
tturner@peoplesmortgage.com

VA-TOM

Specializing in VA Home Loan Options for All Military Branches
Purchasing | Refinancing | VA IRRRL 

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VA-TOM

The purpose of VA-Tom is to aid Servicemembers, Veterans, eligible surviving spouses and non-veterans on their journey towards homeownership. 
VA-Tom specializes in VA Home Loans and many other options for non-military personnel.   
 



What is a VA Loan? 

A Department of Veterans Affairs loan is a 0% down payment mortgage option available to Veterans, Service Members and select military spouse guaranteed by the United States Department of Veterans Affairs (VA).

How does a VA Loan work?

VA loans are made by private lenders such as banks, savings & loans companies and or mortgage companies. VA loans are guaranteed, which means the lender is protected against loss if the owner fails to repay the loan. 

What are the benfits of a VA Loan?

NO DOWN PAYMENT

In most cases, an eligible homebuyer is not required to have a down payment. 

NO MORTGAGE INSURANCE

No monthly mortgage insurance premiums. 

LOWER INTEREST RATES

Compared to other loans, VA loans have the lowest average interest rates. 

RELAXED CREDIT REQUIREMENTS

The VA does not have a minimum required credit score for a home loan. * limits may be set by lenders.

CLOSING COST LIMITS

Seller can pay all of a buyer’s loan-related closing costs and up to 4% percent in concessions. 

LIFETIME BENEFIT

A veteran, active duty member, and those serving in the reserves are provided with a guaranteed benefit that can be used throughout the duration of one’s life. 

NO PRE-PAYMENT PENALTIES

Pay off a loan entirely with no penalty. 

FORECLOSURE AVOIDANCE

VA staff members work diligently on the homeowner’s behalf to find solutions to avoid foreclosure. 

ABOUT

THOMAS M TURNER JR.

Thomas M Turner Jr. is the architect of VA-Tom as well as the creator and author of Understanding FICO and Managing Your Personal Credit. All were created in support and dedication to local Veterans.

An award winning Loan Originator with Peoples Mortgage Company, Thomas prides himself on exceptional customer service. By listening and paying close attention, Thomas is able to identify the right products that best support his clients toward their home financing goals.

Thomas is licensed in Utah, California, Texas, Arizona and Washington with 20 years’ experience in VA, FHA, USDA, and Conventional Loans.

Connect with VA-Tom today!

801.698.2927

Peoples Mortgage Company

Peoples Mortgage, it’s all about the People. That means focusing on all of our clients and individuals and providing them with personal, customized service. The mortgage process can be daunting, especially for a first time homebuyer and we want to help navigate the process and provide guidance and coaching based on over 20 years of experience lending in Arizona. 
Peoples Mortgage strives to make the lending process simple and straightforward. We appreciate the weight of the home buying decision and want to help make the decision that is right for you. 


Allow us to calculate your VA Home Loan benefit.

Millions of veterans and service members are eligible for a VA home loan, but have not utilized their benefits. Don’t be one of them. Allow us to help!

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VA-Tom.com is a privately-owned website that is not affiliated with the U.S. government. The VA does not make home loans. They guarantee the VA loans that we can assist you in getting. VA-Tom.com is the website of a private company, Peoples Mortgage Company.