Ep180 “Veteran’s Day and VA Loans”
Manage episode 408215909 series 3564174
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Happy Veteran’s Day! In honor of Veteran’s Day tomorrow, we are going to be talking about some of the basic points of VA financing and what to consider if you are active/retired military and thinking of buying yourself a new home! TALKING POINTS (3-5):
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- Introduction
- DISCLAIMER – I AM NOT A VETERAN NOR AM I A LENDER!!!
- What is a VA loan?
- Pros of a VA loan (from veteransunited.com):
- 100% financing
- No PMI
- Higher DTI
- Flexibility with credit
- Better than average interest rates
- Seller can cover all closing costs
- Multiple refinance options
- No prepayment penalty
- VA loans are assumable
- Must appraise!
- Cons of a VA loan (from veteransunited.com):
- VA funding fee
- VA funding fee increases after the first use
- Loan could exceed market value!
- Can only be used for primary residences
- Weakest of all loan types
- Seller required to purchase the pest inspection as a requirement of the loan guidelines
- Do I qualify for VA loan?
- Check va.gov to see if you are eligible for a VA loan!
- What do I need for my VA loan?
- Final thoughts
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