VA Loans

WHY a
VA LOAN

VA loans are a fantastic option for veterans and active-duty service members for several reasons. First and foremost, they often require no down payment, making homeownership more accessible, especially for those who may not have substantial savings. Additionally, VA loans typically offer competitive interest rates and don't require private mortgage insurance (PMI), which can save borrowers thousands of dollars over time. These loans also have flexible qualification requirements, making them an attractive choice for many military personnel. Overall, VA loans provide significant benefits that can help veterans and active-duty service members achieve their homeownership goals with ease and affordability.

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VA LOAN

THE VA LOAN PROCESS

The VA loan process is designed to make homeownership more accessible for veterans and active-duty service members. It begins with prequalification, where you provide basic financial information to a VA-approved lender. Next, you obtain a Certificate of Eligibility (COE) from the VA to confirm your eligibility for a VA loan. Then, with the help of a VA-approved lender, you complete a loan application, providing detailed financial and employment information. The VA requires a home appraisal to ensure the property's value meets or exceeds the loan amount. Once your application is complete, the lender reviews your information and makes a decision. If approved, you'll attend a closing meeting to sign the necessary paperwork and finalize the loan. With its flexible qualification requirements and competitive terms, the VA loan process offers veterans and active-duty service members a straightforward path to homeownership with ease and affordability.

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HERE’S HOW our APPLICATION PROCESS WORKS

Submit an application either online or in-person at the lender's office.

Gather necessary documents such as proof of income, employment history, and identification.

Await conditional approval, in which the Lender assesses your financial situation, verifications are complete and loan decision is made.

Provide additional conditions, and documentation requested by Lender to obtain a final approval.

Await a Clear to Close! It is time to cross our T's and dot our i's. This involves a thorough review of your application, verifications, and financial documents.

Funding & Recording made easy! Close on your Mortgage stress-free. Sign all required Loan documents in front of a Notary. The Recording process with the County typically occurs on the following Business Day.

KEYS! Once Recording occurs you are ready for your keys! You will receive your new Mortgage information package within 10-15 days from recording.

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SERVICES

OTHER Services

In addition to our primary services, we offer a range of other mortgage solutions to meet your unique needs. Whether you're purchasing a new home, refinancing your current mortgage, or exploring alternative loan options, we're here to help.