VA Loans
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The Lowdown on VA Loans...
Why a VA Loan?
There are many benefits, as taken directly from the Veterans Affairs site: no down payment required (unless required by the lender or the purchase price is more than the reasonable value of the property); buyer informed of reasonable value; negotiable interest rate… and more.
Our VA Loan Rates Are Low & Our Process is Quick & Painless
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
We’re here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE VA Loan Qualifier.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.
The VA Loan Process
Here’s how our VA loan process works:
- Check Eligibility: Confirm eligibility based on U.S. military service.
- Get COE: Obtain your Certificate of Eligibility from the VA.
- Choose a Lender: Find a VA-approved lender in the U.S.
- Get Pre-Approved: Submit financial details for pre-approval.
- Find a Home: Look for a property that meets VA standards.
- Submit Application: Complete the loan application with required documents.
- VA Appraisal: The lender orders an appraisal to ensure the home meets VA standards.
- Loan Processing: The lender reviews and approves the loan.
Benefits of the VA Loan Process
Here’s Benefits of the VA Loan Process:
- No Down Payment: Often allows 0% down payment for eligible borrowers.
- Competitive Interest Rates: Typically offers lower interest rates than conventional loans.
- No Private Mortgage Insurance (PMI): Eliminates the need for PMI, reducing monthly costs.
- Assumable Loans: Allows future buyers to take over the loan under favorable terms.
