VA LOANS
USA VETERANS
If you don’t already have a VA Loan, you owe it to yourself to explore the amazing, veterans-only terms you could be enjoying. VA loan applications offer flexibility with your credit score and proof of income, plus much more.
AS A VETERAN, YOU DESERVE MORE.
We appreciate your service to our country. Did you know there are many exclusive home loan opportunities available to veterans like you?
You’re in a select group of homeowners eligible to apply for flexible, money-saving mortgage products.
VA LOANS
If you are a veteran, active duty service member, or surviving spouse of a veteran, you may be eligible for a well-deserved benefit: A VA Loan.
PROS
Compared to many other loan types, VA Loans offer low rates and manageable down payments (that can actually be as low as $0 for qualifying borrowers!) They also don't require monthly mortgage insurance payments.
CONS
New VA Loans are only for primary residences. The amount you can borrow may be limited by your VA entitlement amount. VA Loans also require an up-front funding fee, unless you have a military service-related disability.
VA 100% CASH-OUT
With a VA 100 Cash-Out refinance, you can turn up to 100% of your equity into cash you can use right away… to consolidate debt, improve your home, and invest in your future. A VA 100 Cash-Out includes great benefits including no requirement to carry Private Mortgage Insurance (PMI).
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(949) 563-1545
VA IRRRL
(INTEREST RATE REDUCTION REFINANCE LOAN)
If you have a VA Loan, an IRRRL is a great way to lower your monthly payment. However, you can only use it to refinance to a VA Loan from a VA Loan.
PROS
No credit underwriting package is required by the VA when applying, and you may not need to pay any money out of pocket or get a property appraisal. Unless you're refinancing from a VA ARM loan to a fixed rate, you can expect your interest rate to drop with a successful VA IRRRL application.
CONS
A funding fee is required, though it can be financed into the loan. If you currently have a VA ARM loan and are using an IRRRL to refinance to a fixed rate loan, your rate may go up. With a VA IRRRL, you cannot take cash out.
LOAN OPTIONS
What type of loan are you interested in?
Your loan shouldn't be one size fits all. It should be the one size that fits you.
Found the home of your dreams and having trouble qualifying or not sure you will? Curious about different types of home loans products? Not sure if you are ready to apply for a loan? We get it, there is so much confusing information out there. We wanted to have a straight forward approach to our service with no hype, gimmicks, haggle, hassles or salesman. Whether you are looking to buy or refinance our expert staff members are excited to assist you achieve your dream.