My mission is to provide and assist all veterans and active-duty military with all their VA Home Loan financing needs.
VA guaranteed loans are made by private lenders, such as banks, savings & loans, or mortgage companies to eligible veterans for the purchase of a home which must be for their own personal occupancy. The guaranty means the lender is protected against loss if you or a later owner fail to repay the loan. The guaranty replaces the protection the lender normally receives by requiring a down payment.
Learn MoreWhether you are looking for a first mortgage, adding a second mortgage or trying to refinance an existing mortgage, it is helpful to understand more about the general loan classifications and types of VA loans available to you. Mortgage loans are categorized as either fixed rate mortgages (FRM), adjustable rate mortgages (ARM) or some combination (hybrid) of the two.
Learn MoreSome worry that refinancing takes too much time and money, but fortunately the process is simple. Refinancing is simply the process of paying of your existing loan with a new one. Your new loan could be for a better interest rate, a shorter/longer term, or a different amount. In fact, your new loan could be an entirely different type. For example, instead of an adjustable-rate mortgage you could opt for a fixed-rate mortgage.
Learn MoreWith a VA Home Loan Specialist, the process just got easier!
With the trust of hundreds of veterans and active-duty military, I want to give you the “bootcamp basics” of VA Home Loans. You deserve to know the best home loan options so your family can get homeownership and live where you have always wanted to.
Jimmy Vercellino walks first-time homebuyers through the 2021 VA Home Loan Requirements to see if they are eligible.
The VA Cast Out Refinance allows a Veteran to go up to 90% of your home's appraised value with no private mortgage insurance. There is literally no other product on the market place that will allow a homeowner to do such a thing.
Rent payments are not typically reported to the credit bureaus automatically. You need to take a few steps to make it happen.
Most people begin to explore the possibility of refinancing when mortgage rates start to fall. You may also decide to refinance if your income or credit score changes.
VA loan privileges come with a few caveats. Communicate changes or special needs to stay in compliance with the occupancy certification.
