Veterans pay a funding fee of 2.15% unless they are disabled or put down 5%. It's rolled into the loan and does not have to be paid upfront as a fee. Although that is certainly an option.
So if you have a loan of $100,000 the total loan amount would be $102,150. I specialize in VA loans and would be happy to explain the features and benefits of the loan to you. What exactly is your loan officer unclear about? Hope this was helpful, always available to assist a veteran.
Senior Loan Officer
1ST Mariner Mortgage
Lending in all 50 states