VA loans - Homes For Veterans

VA Loansleft

VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan.  

Other benefits of a VA loan include:

 

  • Low, competitive interest rates 
  • No downpayment required in most cases.
  • Closing costs can be paid by a seller
  • No private mortgage insurance requirement.
  • No Savings (reserves) requirement.
  • Right to prepay loan without penalties
  • Mortgage can be taken over (or “assumed”) by the buyer when a home is sold.
  • Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.

 

Although mortgage insurance is not required, the VA charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee may be paid in cash by the buyer or seller, or it may be financed in the loan amount.

 

A VA loan can be used to buy a home, even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/ caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.

 

A Certificate of Eligibility from the VA must be obtained by us from VA to qualify for the loan.

 

 

 

 

 

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