Va Loan Specialists
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- VA Loan FAQ | VA Home Loans Texas
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Our refinance couldn't have been smoother or faster. Thanks" Sandra VA Regulations and Funding Fees While a down payment is not required on VA loans, veterans are still responsible for a one-time funding fee and closing costs. See How the Process Works VA Loan Limits Eligible Veterans, service members, and survivors with full entitlement have no limits on loans over $144, 000, all without a down payment. VA Funding Fee The VA Funding Fee is a one-time payment that Veterans, service members, or survivors may make when closing on a VA purchase or refinance. VA Closing Costs Closing costs may be charged by the lender and may not be included in the loan. Interest rates and closing costs vary from lender to lender. How can we help? You have questions. We have answers. 1 (888) 232-1428 Contact Us
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Get answers to the most frequently asked questions regarding VA home mortgage loans in Texas. As Texas VA loan specialists we have compiled a list to answers of some of the more common questions we've received over the years. As always should you prefer to call us and ask us directly, you are welcome to call one of our VA loan specialists anytime at 281-860-2533. Here are the most common VA loan FAQ (Frequently Asked Questions: What are the Benefits of a VA Loan? Simply put VA loans offer the most flexible qualifications, lowest down payments, and some of the most competitive rates available to Veterans. When comparing VA home loans in Texas with other loan options it's easy to see why they are so popular among those who are eligible. No Down Payment With a VA Loan, qualified veterans can finance 100 percent of the value of their home without putting any money down on their mortgage loan. No Private Mortgage Insurance With conventional loans, borrowers are required to pay private monthly mortgage insurance when putting less than 20 percent down on the home loan.
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How to know if you qualify for a va loan
Just call one of our VA loan specialists and they will be happy to assist you. Property Condition: VA requires the home being purchased or refinanced to meet there guidelines. A valid termite inspection will be required on every transaction. Typically the "rule of thumb" is any issue with the home that will impact safety or livability of the property will be an issue and will need to be resolved before closing. If you have specific questions regarding a property's condition give us a call and one of our VA loan specialists will be happy to assist you. Credit Score: At our lenders require a 620 credit score to be eligible for a VA home loan. If your credit score is close call and talk to one of our VA loan specialist and we will try to help. Typical underwriting guidelines call for at least 2 open accounts for over two months listed on credit. There is more that goes into underwriting a VA loan then just credit score. Compensating factors such as time on job, rental history and alternative trade lines all play a roll in your approval process.
VA may consider unemployment, prolonged strikes, or medical bills not covered by insurance as an extenuating circumstances. Divorce is not consider an extenuating circumstances by the VA. It is classified as "with-in your control" situation. If foreclosure was included in bankruptcy, you can get a VA home loan two (2) years from discharge date of bankruptcy. Can I get a VA home loan for the purchase of a 2nd home if I currently do not have a VA loan on my primary residence? If you are an eligible veteran and still have remaining entitlement or have had your entitlement restored, you can get a second property using a VA Loan. As any and all VA loans, you must occupy or intend to occupy the property as your primary residence. Can I purchase a home using a VA loan if I already have an existing VA loan on my primary residence? No, you may not. You can, however, you may get another VA loan if you are (a) selling your current home, or (b) being transferred to another city/state, that's not a reasonable driving distance from your current home.
VA Loan FAQ | VA Home Loans Texas
The Power of the VA Home Loan Now is the perfect time to take advantage of the VA Home Loan with our historically low interest rates and an exceptional market. Use our website to apply, calculate payments, or view our loan programs. You can also find more about our mortgage professionals, how to contact them, and how each person was involved in our military. Our motto is, "Veterans Helping Veterans", and we strive to do that everyday as we serve you from Vancouver, WA. The program is designed to help eligible active duty military, veterans, and surviving spouses qualify for a home. The VA streamline refinance, also known as an interest rate reduction refinance loan (IRRRL), allows you to refinance your current loan for a better rate. Like a VA Cash-Out- Refinance, but it's limited cash out. Guidelines are the same and you will need an appraisal. It allows you to borrow up to 100% of the value of your home! The VA cash-out refinance is for Veterans who want to take cash out of their home equity to help pay for anything from home improvements to consumer debts This is the ONLY place to go mortgage services.
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Talk with one of the qualified VA Loan and VA Construction Loan lenders in our network to begin your journey today. Remember, these loans are not funded by the VA but by private lenders. It is always advised to get multiple quotes to ensure you get the lowest interest rate and the best terms for your needs.
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Veterans & Military: Own a business? Looking to buy from or work with other Veterans and Military? Looking for jobs? Have a job that you might be able to share with other Veterans and Military? Looking to connect / reconnect with Veteran & Military friends from your area? Hammers & Shields is a GREAT program that's getting off the ground and we highly support what they're doing. Join, share with, learn from, and empower other Veterans and Military! PLEASE join them and help them grow so that we can help others!
