VA Home Loan Program: Eligibility
Do you qualify for VA’s no-down payment home loan program? You must have suitable credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan. The home must be for your own personal occupancy. Learn more about the program, including eligibility requirements from the Director of VA’s Home Loan Program, Mike Frueh. Learn more: http://www.benefits.va.gov/HOMELOANS/purchaseco_eligibility.asp
VA Home Loan
VA Home Loan
Karen Jones, VA Home Loan Specialist and John Reed, Broker/Realtor with Copper Sun Real Estate provide valuable information to our Veterans regarding their VA Home Loan benefits. The VA Home Loan provides excellent benefits to our Veterans and our webinar discusses the VA Home Loan- No No Style; using the VA Home Loan for Jumbo Loan purchases, and 2nd Tier Entitlement when using the VA Home Loan.Learn more by viewing this recorded webinar and when you are ready to start your action plan, please contact Karen Jones or John Reed.
http://www.HomeLoansbyKarenJones.com
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Karen Jones
480-339-1577
KJones@Amerifirst.us
NMLS 307015Amerifirst Financial, Inc. AZBK0013635
480.289.7600
Toll Free: 877.599.4332
15111 N. Pima Rd. Suite #110
Scottsdale, AZ 85260
Equal Housing LenderToll Free: 877.599.4332
Amerifirst Financial, Inc. Disclosure: The opinions expressed here are the personal opinions of Karen Jones. Content published here do not necessarily represent the views and opinions of Amerifirst Financial, Inc. Karen Jones is a licensed loan originator at Amerifirst Financial. Karen Jones complies with all regulations and rules of all government agencies and regulators including the Real Estate Settlement and Procedures Act. The services provided by Karen Jones are not a condition, nor do they create any obligation for any form of remuneration for any real estate settlement service related to any referral.
National Disclosure:
AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-866-276-1974. Copyright2012. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AmeriFirst is required to disclose the following license information: AZ: Arizona Mortgage Banker License No. BK0013635; CA: Licensed by The Department of Corporations under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; WA: Washington Consumer Loan Company License No. CL-145368.Equal Housing Lender
Tips for Refinancing Your Home Loan
Refinancing loans can be a difficult task. In this video guide Lisa Montgomery, CEO of resi takes a look into refinancing home loans and focuses on reasons to refinance, saving and debt consolidation.Points discussed include: exit fees; improved loan features; making your repayments more affordable.
This guide is everything consumers need to know when thinking about reviewing their current home loan.
VA Home Loans Explained: Eligibility and Requirements for Veterans
http://www.samuelscottfg.com/videos/va-home-loans-explained-eligibility-requirements-financingThe VA loan is designed for active or retired military, Coast Guard and National Guard personnel. A surviving spouse can also qualify for a VA loan. The first step in qualifying for a VA loan is to make sure that you are VA entitled. The regulations tend to be different for service members depending on factors such as when they served, the nature of their service, and how much time they spent in uniform. The quickest way to make sure you are eligible and have VA entitlement is to get a DD214 form, which any qualified mortgage advisor can assist with obtaining and filling out.
VA loans are terrific loans. One of the key features is that you have the option to put 0% down for financing loans all the way up to the San Diego County loan limit of 7,000. Qualifying for a VA loan is also a lot more lenient in regards to the debt to income ratio. You can put 0% down and are allowed to go higher into the debt to income ratio, which means a client can typically qualify for more of a loan. Definitely a plus for those active or retired service members!!!
The second step entails qualifying and getting pre-approved for a VA loan and is relatively straightforward. Usually a Mortgage Advisor will need to see at least two months of the most recent Leave and Earning Statements (LES) that all active members and some retired members get as well, two years of W-2’s and tax returns if necessary. If you are retired, the Mortgage Advisor will look at retired income still received from the government, as well as civilian income if they are still out in the workforce.
For all that our military members do for our country, it is great that they are given the opportunity to purchase their home at an affordable interest rate and with 0% down!
To learn more about VA loans or to see if you qualify, talk to a Samuel Scott Mortgage Advisor today
How FHA Home Loans Work
How FHA Home Loans Work
Who is eligible for the VA Loan Veterans United Home Loans
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Many households are struggling to make ends meet as the cost of living keeps rising. There’s little spare cash around to build up an emergency fund, which means it can be tricky to pay for a new washing machine or boiler if your old one breaks down. Maybe you need a new car, or perhaps you’re planning a holiday, a wedding or a home makeover?
Pros and cons of loans
Let’s face it, most people at some point in their lives need to borrow some money. So it’s important to understand the pros and cons of the different types of loan, as well as how to secure the best rates. If not, you could end up with a poor deal — and costly credit can send you into a downward debt spiral.
Secured loans
Loans can broadly be divided into two categories: secured and unsecured. With a secured loan, the lender will insist on some sort of security against the money you borrow, often a house or car. If you default on the payments, the bank or building society can then sell the asset to clear the debt.
You can usually borrow large amounts with a secured loan, and at a lower rate of interest. Plus, you can pay back the debt over a long time period, perhaps ten or 15 years.
However, secured loans are more risky than unsecured loans because you could lose your collateral if you cannot clear the debt. You should therefore think very carefully – and consider other options – before taking out a secured loan.
Personal loans
An unsecured loan, often referred to as a personal loan, is not secured against any asset. Of course, you still have to pay the money back and the lender could pursue you into court if necessary to get its money back. But you don’t have to put up your house or car as collateral.
Help with budgeting
You can typically borrow as little as £1,000 up to a maximum of £25,000 with a personal loan. The interest rate is usually fixed and you pay back the debt over a set term, normally one, three or five years. Personal loans can therefore help you to budget because you know at the outset the full cost of your borrowings and how long they will take to clear.
Wedding loan
For example, if you are getting married and the wedding is set to cost £7,500, you could take out a loan for £7,500 at 5% over three years. Your monthly payments would be fixed at £224.41 and you would pay total interest of £578.76 over the 36-month term.———————————-
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Who is eligible for the VA Loan? – Veterans United Home Loans
The VA loan is designed for active or retired military, Coast .Veterans United explains that you may be eligible for a VA Loan if you served 181 days of service during peacetime (active duty), 90 days of service during w.
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VA Home Loans are available to Service Members, Veterans and eligible surviving spouses. VA Mortgages may require 0 down which means 100% financing home loan.
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Our experts sit down to discuss the VA loan process and answer questions from our viewers. Ever wonder what it takes to receive a VA loan? VA loan expert, Ch.
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Getting Approved for a Home Loan With Bad Credit
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Home Loans Options for Borrowers with Bad Credit
http://www.samuelscottfg.com/videos/home-loans-options-for-borrowers-with-bad-creditIn today’s economy, it’s not uncommon for borrowers to have less than perfect credit. When the housing market crashed in 2008, many people lost their jobs and were left struggling to make ends meet. These financial hardships led to missed mortgage payments, foreclosures and sometimes even bankruptcies. But now, as the economy begins to shift, many people are beginning to move forward financially and would like to reenter the housing market.
In this video, David Talbott, a Mortgage Advisor with Samuel Scott Financial Group, will explain the different financing options available for individuals with less than perfect credit.
First of all, it is important to understand how missing a mortgage payment can affect credit. Falling behind on a mortgage payment can lead to a decrease in a credit score, sometimes up to 100 points. A drop this large will definitely have a negative impact on loan applications, whether applying for home financing or a new credit card.
Your credit score is a major factor in determining whether or not you qualify for a loan and what the parameters of your loan look like. Which range does your credit score fall into?
Poor Credit Score- 560-619
Average Credit Score-620-679
Good Credit Score- 680-740
Excellent Credit Score- 740 +The closer you are to having an average credit score, the more options your Mortgage Advisor will have to help you qualify for a home loan. People with lower credit scores have several different options that can make getting a home loan possible. Here are a few concessions a borrower could make to overcome poor credit:
Larger Down Payment
Co-Borrower
Occupant (getting someone to go on the loan with them who will live in the house)
Non-Occupant (a family member or friend willing to become a co-borrower who does not actually have to move in to the home)
Higher Interest RatesIf you have less than perfect credit, it is important to meet with a Mortgage Advisor early on in the real estate process. Not only do they have contacts that will work with them to help improve your credit, but they can also help analyze your financial situation and put together a plan that will get you on the path to home ownership. For some borrowers, you might find out there are loans you could qualify for now.
While bad credit is unfortunate, it doesn’t have to be the end of your financial success. Don’t let poor credit slow you down, talk to one of the expert Mortgage Advisors at Samuel Scott Financial Group and learn more about your options. Get a clear picture of your financial situation take a proactive approach to your financial health.