VA Loans 2018-03-16T19:39:46+00:00

VA Loans

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Loan Benefits

Serving in the military has many benefits. One of them is the ability to get home loans at more affordable terms than what some conventional loan programs offer. VA loans, guaranteed by the Department of Veteran Affairs, are available to any military members who are currently serving or who have served in the past. The loans are also available to reservists and to the surviving spouses of veterans (so long as they have not remarried).

Some of the many benefits of VA loans include:

  • Fixed terms
  • Loan terms of 15 to 30 years
  • Adjustable rates available
  • No requirement for a down payment
  • No requirement for private mortgage insurance
  • Low credit score required

You can get a VA loan to buy a home, or you can get a VA IRRRL to refinance a current loan. In either case, you can typically enjoy lower interest rates than what you would get on other conventional home loans, and you can get 100 percent of the amount of your home purchase financed.

There are additional criteria to qualify for a VA loan besides being a member of the military, including meeting some minimum income and credit requirements. However, the threshold to qualify is low, so many military members are able to qualify for these loans. Talk with KHoward Mortgage Team today to determine whether you qualify and whether a VA loan would be the right choice for you.

Testimonials

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Thank you so much for everything!Top-Rated Mortgage Team in Mesa, Arizona
, Mesa, AZ • April 2017
Great communication and expert advise throughout the whole process.Top-Rated Mortgage Team in Mesa, Arizona
, Mesa, AZ • April 2017
Great timing, everything was on time, perfect.Top-Rated Mortgage Team in Mesa, Arizona
, Mesa, AZ • March 2017
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Get Started

Applying for a VA loan does add a few steps to your home-buying process because your military service will have to be verified. That means contacting the right offices and getting the right documentation sent over. KHoward Mortgage Team will guide you through all those steps and ensure that you get the information you need quickly to get the process started.

Before you apply, your mortgage broker will help you analyze your finances to understand exactly what you can afford and what you need in a loan to buy the home you want while still staying in your budget. If a VA loan is right for you, our brokers will help you through the application process to improve your chances of being approved. If a VA loan isn’t the right choice, our brokers will let you know what other loan programs would be more appropriate.

Typically, we have multiple loan programs that can help buyers meet their financing needs. Our brokers work to match buyers with the right program so they keep their costs low and are able to buy the home they want on the timeline they want. Call us today to start exploring your home loan options and to learn more about VA loans.

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Mortgage Payments & Affordability

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Down payment
Down payment is cash that you pay upfront for your home.
6.7%
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Term in years
Number of years you have to pay.
years
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Interest rate (per year)
The percentage of interest that you will pay on your mortgage for a specific term.
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Property tax
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per year
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Home insurance
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PMI
PMI is Private Mortgage Insurance which is usually required to pay if your Down payment less than 20%.
per month
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$

Principal & Interest
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