*Please note that effective April 3, 2020, we are no longer able to accept loans from applicants with a credit score below 640.  Please visit our friends at My Credit Guy for help improving your credit score.Buying a home is stressful enough, let alone trying to find a mortgage when your credit score is 630 or less.To make matters worse, most VA lenders won't give you ballpark rates!(They all want your personal info)Not here!In this article, you can get sample VA rates and monthly payments based on your credit score from 600 to 605, 610, 620, 625, and 630.We'll also discuss practical tips [...]

Looking for a home is very time consuming and finding the right loan can be paramount to buying your home and closing on time.  But did you know: Finding the best va loan rates can be easy when you know your credit score, how it will affect your rates and ways to increase your credit score for lower rates.  Today I will go over the minimum credit score for a VA loan, the different VA loan rates by credit score, as well as a few tips on how to increase your score and get approved for VA home loans.If you want [...]

Many active duty service members and veterans know that there is a VA program available to help finance their home loan with a zero-down payment.   However, VA loan eligibility can be confusing and even intimidating to some.   Multiple factors will determine if you will qualify for a VA home loan and we hope to remove the confusion of what is required for you to qualify for your zero-down home mortgage.  ​We will discuss VA eligibility in regard to your credit score, VA loan limits and what VA loan types are available to you in this article.  [tcb-script]if (window.addEventListener){ window.addEventListener("message", function(event) { if(event.data.length [...]

Many people talk about all of the conditions that must be met for VA loan eligibility.   There are multiple conditions that an active service member or veteran must meet.   But, the first step is obtaining your VA loan certificate of eligibility, aka COE.   We know that this can be intimidating.  There are a lot of moving parts but in this article, we will simplify it and make this process as simple as possible.   We will walk you through how to obtain your VA loan certificate of eligibility and what forms the VA requires you to provide to prove you served or are serving in [...]

If you have ever tried to figure out whether you are eligible for a VA home loan, then you know it can be very confusing because of all the different scenarios that may make you eligible based on your service time.   We are going to alleviate most of that confusion by laying out all the different ways you can become eligible for a VA loan so you can quickly find whether you qualify or not.   In this article we will review VA loan eligibility based on the four most common service-related conditions: active service during wartime, active service during peacetime, [...]

Dealing with the VA and all of their processes can be frustrating, and that when you add finding a home, and getting the best mortgage to that list, things can get out of hand very fast. But here's the thing: Figuring out your VA loan eligibility doesn't have to be a complicated process and once you figure it out, all VA lenders will follow the same guidelines. In today's post I am going to go over what requirements you have to meet to become eligible for your VA loan. I will also discuss how to apply for your certificate of eligibility and the general [...]