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VA Loan First Time Home Buyer
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The Lowdown on VA Loans…

The VA Home Loan was created in 1944 by the United States government to help returning service members purchase homes without needing a down payment or excellent credit. This historic benefit program has guaranteed more than 24 million VA loans, helping veterans, active duty military members and their families purchase or refinance a home.

The Lowdown on
VA Loans…

The VA Home Loan was created in 1944 by the United States government to help returning service members purchase homes without needing a down payment or excellent credit. This historic benefit program has guaranteed more than 24 million VA loans, helping veterans, active duty military members and their families purchase or refinance a home.

Our VA Loan Rates Are Low & Our Process is Quick

A VA loan is a mortgage loan that is insured by the Department of Veteran Affairs (VA). Essentially, the federal government insures loans for VA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

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.

Our VA Loan Rates
Are Low & Our
Process is Quick

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

A VA loan is a mortgage loan that is insured by the Department of Veteran Affairs (VA). Essentially, the federal government insures loans for VA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

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.

Purchasing a Home with a VA Loan

The first question that first-time home buyers need to ask is what they are looking for in a home. Their search may be confined by the location that they need, special features, or number of bedrooms for a family. No matter what your needs, writing them down early in the process can help you keep your home search on track.

  • Determine Your Budget: Budget will take many factors into account, most of which will involved your income and existing debts. If you have a lot of other monthly debt payments, such as student loans or vehicle loans, you may want to consider a smaller or less expensive home. Determining your budget will help you avoid getting in over your head financially. Your budget should also account for taxes, insurance, homeowner’s association dues, and any other costs associated with home ownership.
  • Get Pre-approved: Getting a letter from your lender stating that they have done a preliminary review of your basic application and think you are a good candidate for a VA loan can help when making a purchase offer on a home. Sellers like to see that potential buyers are pre-approved because they know that the sale is more likely to be completed with few or no hurdles. This can also be a good opportunity to talk to your lender about what amount you can afford.
  • Working with a Real Estate Agent: An Elite REALTOR® can help you navigate the home buying process from start to finish, a real benefit for first-time homebuyers. They are experts on the local area, can direct you to a reputable lender, and take care of all required paperwork during the process. This provides peace of mind to the buyer, knowing that they have a true professional on their real estate team.

Purchasing a Home
with a
VA Loan

The first question that first-time home buyers need to ask is what they are looking for in a home. Their search may be confined by the location that they need, special features, or number of bedrooms for a family. No matter what your needs, writing them down early in the process can help you keep your home search on track.

  • Determine Your Budget: Budget will take many factors into account, most of which will involved your income and existing debts. If you have a lot of other monthly debt payments, such as student loans or vehicle loans, you may want to consider a smaller or less expensive home. Determining your budget will help you avoid getting in over your head financially. Your budget should also account for taxes, insurance, homeowner’s association dues, and any other costs associated with home ownership.
  • Get Pre-approved: Getting a letter from your lender stating that they have done a preliminary review of your basic application and think you are a good candidate for a VA loan can help when making a purchase offer on a home. Sellers like to see that potential buyers are pre-approved because they know that the sale is more likely to be completed with few or no hurdles. This can also be a good opportunity to talk to your lender about what amount you can afford.
  • Working with a Real Estate Agent: An Elite REALTOR® can help you navigate the home buying process from start to finish, a real benefit for first-time homebuyers. They are experts on the local area, can direct you to a reputable lender, and take care of all required paperwork during the process. This provides peace of mind to the buyer, knowing that they have a true professional on their real estate team.

Comparing VA Loan Products

The VA loan is almost always the best option for military service members, Veterans, and qualifying family members. But it is useful to know about other mortgage options to compare.

The VA has guidelines for loan eligibility, but the interest rate offered is still up to the individual lending institution. When talking to lenders, make sure to ask them about what terms they can offer. This can include waiving fees or offering low interest rates.

The home buying process is very exciting and never more so than for a first-time homebuyer. Determining your home criteria and budget, finding a reputable lender who is easy to work with, and getting the help of a real estate agent can make the process both easy and fun.

Comparing VA
Loan Products

The VA loan is almost always the best option for military service members, Veterans, and qualifying family members. But it is useful to know about other mortgage options to compare.

The VA has guidelines for loan eligibility, but the interest rate offered is still up to the individual lending institution. When talking to lenders, make sure to ask them about what terms they can offer. This can include waiving fees or offering low interest rates.

The home buying process is very exciting and never more so than for a first-time homebuyer. Determining your home criteria and budget, finding a reputable lender who is easy to work with, and getting the help of a real estate agent can make the process both easy and fun.

Get Your FREE Loan Quote Now!

Whether you’re buying a new home, refinancing, looking for a cash-out, or just have questions about the process, our Elite Team of Mortgage Professionals will help you find the right mortgage solution!

Whether you’re buying a new home, refinancing, looking for a cash-out, or just have questions about the process, our Elite Team of Mortgage Professionals will help you find the right mortgage solution!

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