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Why should you get a VA Loan?

The government has given special benefits to Veterans when they are looking to get a home loan. This creates many advantages for people like yourself and can save you a great deal of money over the course of your loan. You may qualify for a VA loan even if other loans were unobtainable. You may be able to secure your loan with no down payment.

VA loans tend to have lower interest rates than conventional loans. You can save on your Private Mortgage Insurance (this benefit alone could save you thousands of dollars). Discover how to make the most of your VA Benefits. Get the help you need in order to move through the process in a smooth manner and ensure you maximize your benefits.

Who Qualifies for a VA Loan?

There are several different standards for qualification of a VA loan. If you are not sure that you qualify, you should speak with a mortgage broker or VA loan professional or read more about VA loan qualifying here. One of the first step towards getting a VA loan is filling out a Certificate of Eligibility. Basic qualification criteria for obtaining a VA Loan:
  • Active-duty veterans discharged during WWII and later periods, without the status of "dishonorable."
  • Active-duty veterans who served at least 90 consecutive days during major conflict.
  • Peacetime veterans and active duty personnel who have served more than 180 days of consecutive service.
  • Enlisted veterans whose service began after 1980 or officers whose service began after 1981 who have served 2 years.

    What Can I Use a VA Loan For?

    You can use your VA loan to purchase a house, condominium, or townhouse. You can also build a home or purchase a home and make improvements with your VA loan.

    Refinancing of a mortgage can be done with a VA loan, as well as improving your home with energy-related features

    Why Would I Want A VA Loan?

    The VA does not put a cap on how much money you can borrow. This determination is up to the lender, typically a bank, savings and loans, or mortgage companies. The basic entitlement of a VA loan is $36,000, but some loans are eligible for $60,000 if they are over $144,000. A lender will often loan up to 4 times the amount of the basic entitlement without any requirement of a down payment.

    Limit increase! Although there is no set maximum limit the VA allows you to borrow with your entitlement, most lenders and financial institutions will not approve a total of over $417,000. Lenders typically sell VA loans in a secondary market, where the cap for a loan limit is $417,000.

    Veterans who have already taken out a VA house loan in the past may still be eligible for remaining entitlement for any unused previous balance. Because entitlement amounts have increased over time, this means that many people who took out VA loans in the past may be eligible for more money now than they were entitled to before. Fill out our form or call us today to find out if you qualify.

    How Much Money Can I Borrow?

    There are several reasons why a VA loan may be preferable to a standard loan. Most importantly, if you qualify, you may obtain a VA loan even if other loans were unobtainable. There also may be no down payment required for a VA loan, depending on the lender. VA loans also tend to have lower interest rates than conventional loans, and you can often negotiate the interest rate with the lender. There are no mortgage insurance premiums on VA loans, and they do allow for an assumable mortgage. Closing costs for purchasing a home can be lower than other forms of financing, and prepaying your mortgage holds no penalty, as in some other forms of loans. In addition, VA assistance is available to those who qualify if temporary financial difficulty occurs.


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