Since 1944,the Government has been approving companies to

fund VA Loans and always guarantees the loan for the bank.

Buy a home orresidential condominium

Build a home Repair, alter,or improve a home

Refinance an existinghome or VA Loan

Purchase and improve ahome simultaneously

$142 billion $225,000 630,000

went towardsVA Loans

was the averageloan amount

total VA Loansapproved

Zero downpayment

Guaranteed maximum: $417,000

No mortgage insurance required

Competitive interest rates

Backed by the US

Government

Easy to qualify No prepayment

penalties

Does not expire & is reusable

• Option to ADAPT HOMES for veterans with service connected disabilities

• Many states offer property TAX DEDUCTIONS

• Eligible NATIVE AMERICAN VETERANS receive help financing homes on Federal Trust Land

• For new homes, 1-YEAR WARRANTY is required from builder

• Financial COUNSELING available for veterans

You served 90+ days active duty during wartime

You served 181+ days active duty during peacetime

You were not dishonorably discharged

You are currently active duty

You are the surviving spouse of a veteran who died during service or because of service-related injuries and are not remarried.

NEW HOME PURCHASE:

• NO minimum credit score needed at Low VA Rates!

• Two years of income evidence (military service or schooling is allowed)

• Proof of current employment

• Certificate of Eligibility (Get a free electronic one from Low VA Rates!)

REFINANCE:(Current loan NOT a VA Loan)

• NO minimum credit score needed at Low VA Rates!

• Two years of income and employment history (if working)

• Copy of home owners insurance

• Appraisal

Note: Cash can be used for any reason

STREAMLINE:(IRRRL have VA Loan now)

• NO minimum credit score needed at Low VA Rates!

• NO verification of employment or income needed at Low VA Rates!

• No appraisal needed at Low VA Rates!

• Must be current on your VA Loan

IRRRL:

• Copy of homeowners insurance

• Copy of current mortgage monthly statement

• Copy of current mortgage note