VA Home Loan Program

First and foremost, I am a Marine, and I love helping other vets!

The VA Loan Program is for eligible veterans, both active and retired. Loans are guaranteed by the U.S. Department of Veteran Affairs (VA) and veterans must meet eligibility requirements by providing a Certificate of Eligibility from the VA.  If you don’t have this document or are unsure how to get it, we can help.

Whether you are buying or building a home, there are many benefits to the program.  The VA loan is also a great way to make those much-needed improvements such as heating/cooling systems, water heaters, insulation, and other energy-efficient improvements.

I have helped many veterans with the VA Loan Program and I look forward to helping many more.  So, if you have served or are currently serving, call me today. I can help you with your mortgage financing needs using the benefits you’ve earned!  –Semper Fi

 

The benefits of a VA loan include:

  • Great rates
  • Easier qualifying requirements for income and credit
  • Closing costs and fees are comparable and sometimes lower than other loan programs (VA limits fees that can be charged)
  • Private mortgage insurance is not required*
  • No prepayment penalties
  • Loan can be assumed or taken over by a qualified buyer when the home is sold
  • Counseling and assistance is available to veteran borrowers having financial difficulty or facing default on their loan
  • Ability to finance renovations into the loan with the VA Renovation Loan Program

*Although mortgage insurance is not required, the VA Loan Program charges a funding fee in order to issue a guarantee for the lender against the borrower defaulting on the loan. This fee may be paid by the buyer or the seller or it may be financed into the loan amount.

 

 

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Working with home buyers searching for a new primary residence is a totally different game compared to working with investors and rental property.  Sure, there are similarities, but what want-to-be home owners care about is different than what an investor cares about.  Frankly, for an investor, it’s all about the money and it should be.  When someone purchases a rental property they are essentially running a business.  If we can help them run a successful business and turn a profit they will likely come back and buy more properties.

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