As a citizen of this country, let me be the first to thank you for service to our country!  I realize that freedom does not come free.  Thank you for all that you do!

As a reward to you, the Veterans Administration has made special provisions to guaranty your ability to obtain home ownership. 

VA Loans

VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.

Other benefits of a VA loan include:

• 100% Financing if desired
• Seller may pay up to 4% of buyers closing costs
• No monthly PMI, meaning a lower monthly payment for you
• Flexible underwriting, meaning it's possible that some credit challenges may be over come with written explanations and documentation
• Generally lower fixed interest rates!

Although mortgage insurance is not required, the VA charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee may be paid in cash by the buyer or seller, or it may be financed in the loan amount.

A VA loan can be used to buy a home, build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/ caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.

Give me a call or apply on line to get your VA loan started!  I will need 30 days of paystubs, your DD214, proof of bank account and any retirement accounts, and any credit explanations.  Let's get you started today!

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