You’ve served our country. Now, let me help you obtain the best home loan possible. I love working with all prospective homeowners, and I feel a particular satisfaction when helping service members achieve their dream of home ownership.
A VA loan helps military veterans, active service members and eligible surviving spouses buy a home. Because the U.S. Department of Veteran’s Affairs guarantees a portion of your mortgage, I can offer you favorable, affordable terms.
When you apply for a VA home loan, you’ll take advantage of several money-saving benefits. These loans frequently require no down payment and substantially lower closing costs.
Getting a VA loan also has the following benefits:
To confirm your eligibility for a VA loan, you’ll first need a Certificate of Eligibility (COE). Learn more about obtaining a COE on the VA’s website. Your eligibility depends on your duty status, length of service and other factors. My office can assist with your application.
The VA loan program includes several types of loans. I’ll help you choose the best option for your circumstances. Here’s an overview:
This loan is often best for those who plan to relocate within a few years. ARMs have a lower introductory interest rate that may change after an initial period with a fixed-rate. The rate depends on market fluctuations and can increase or decrease.
With this type of loan, your rate remains the same for the full term of your loan. If you’re staying in a house for a long time, a fixed-rate mortgage gives you stability. You’re protected from rising rates. Terms of 30- and 15-years are available.
I’ll guide you through the home financing process and clear up any confusion. Contact me today: 360-787-9362.
For current homeowners, a cash-out refinance puts cash in your hand. Some people use these loans to pay off debt or make home improvements. With this loan, you replace your current mortgage with a loan for an amount higher than what you owe. The additional amount allows you to take cash out based on your home’s equity.
Benefits of this type of loan include:
You shouldn’t have to pay more than necessary on your mortgage loan. Current VA borrowers may qualify for lowered monthly mortgage payments with a VA streamline refinance loan. If you currently have an adjustable-rate mortgage (ARM), this could be an excellent opportunity to refinance.
Features and options include:
If you’re a veteran or in active military service, you may qualify for benefits relating to your mortgage loans. Give me a call at360-787-9362. I look forward to discussing your options and helping you achieve your goals.