VA Loans
The Webapp application is a very easy process, it even allows you stop whenever you want and then come right back to it. This software is designed to process loan applications in a safe and secure manner. The application itself, is stored on a secure server from Calyx Software. What this means is your information is completely secured and then sent to your loan officer. When you apply online, we protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts the information you input.
To assist you in your mortgage process, we have provided certain forms you might need along the way. Included is obviously the Mortgage Application Form which you can download and print. The application should be completed with the assistance of a mortgage professional. You will need a browser compatible with PDF files or you will need to download Adobe Acrobat Reader to view and print PDF files on all major computer platforms.
MORTGAGE APPLICATION… When your application is complete!
VA Loans
A VA Mortgage for the Home Purchase, Refinance OR Streamline…
Buying a home is one of the biggest and most important decisions you will ever make. We understand that and want to make the process as easy as possible. Whether you are a first-time home buyer or are experienced with the process, we’re here to make your home buying journey a great one.
Since 1944, when home loan guarantees were part of the original GI Bill, the VA has guaranteed more than 18 million home loans worth over $911 billion. In 2008, 180,000 veterans, active duty service members, and survivors of veterans received VA home loan valued at about $36 billion. More than 90 percent of those VA loans were no-down payment loans.
The VA Home Loan program allows veterans with qualifying income and credit to purchase a primary residence without putting any money down towards the sale price of the home, as long as that sale price does not exceed the appraised value of the home. Veterans do need money towards closing costs as well as earnest money, which the seller generally requires when a sales contract is signed. Closing costs may be paid by the seller, which can be negotiated when the sale price of the home is set.
If 100% financing isn’t enough, there are even more benefits to applying for your VA home loans for veterans who are ready to purchase a home:
- VA home loans are assumable, provided the person assuming the loan is qualified.
- Veterans’ closing costs are limited by VA, making sure you won’t be asked to pay more than a fair price for closing costs.
- You have the VA behind you offering additional assistance if you ever find you are having problems making your home loan payments, at any time in the future.
- Veterans can prepay their VA Home Loans without a penalty.
