VA Jumbo Loans in California

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VA loans are a great real estate purchase option for eligible veteran borrowers. Unlike conventional or FHA loans, VA loans allow borrowers to obtain purchase loans with a $0 down payment. Borrowers can even obtain jumbo loans over the county loan limit with no downpayment required. Interest rates on VA loans are very competitive as well.Read More

Minimum Credit Score Requirements For VA Loans

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If you are wondering what the minimum credit score requirements for VA loans in 2022 are, here is everything you need to know. VA loans are one of the most utilized benefits provided to America’s eligible active-duty and returning service members. The VA government loan program is designed to help veterans and their spouses achieve […]Read More

VA Loans Are Still Much Easier, As We Still Don’t Need Full Inspection Reports

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I wrote this blog in early March: VA Loans Are Much Easier Now – No More Clear Inspection Reports! The full blog is copied below but the gist of it was this: we can close VA loans without submitting full inspection reports to underwriters if we provide an NPMA-33 form instead. As long as the […]Read More

VA Loans Are Much Easier Now – No More Clear Inspection Reports!

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VA loans are the best loans on the market – given their very low rates, the lack of mortgage insurance, the lack of loan limits, and the ability to put 0% down. Their biggest drawback, however, was the fact they required full pest inspection reports, and that all “Section I” items (and some Section II […]Read More

VA Interest Rates 3/4% Lower Than Jumbo; No VA Loan Limits; Cash Out to 100%

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There are about 20 million veterans in the United States. Almost all of them are eligible for VA financing, and, unfortunately, many have no idea of just how advantageous it is. So, it is our job to make sure every veteran does understand that VA financing is often the most competitive option available. I blogged […]Read More

14 Day Close Only For Conforming & FHA; VA Loans Not Just For First-Time Buyers; VA Explained

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Here are a few quick but very important reminders. 14 DAY CLOSES: CONFORMING & FHA ONLY We can and do close transactions in 14 calendar (not business) days all the time now. But, we can only do so for conforming (Fannie/Freddie) and FHA transactions. I should add, however, that there are still instances where we […]Read More

No VA Loan Limits! FHA and Conforming Loan Limits Way Up!

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VA LOAN LIMITS ELIMINATED – 2020 When “VA loans” first surfaced in 1944, the average cost of a house was only $8,600, making “loan limits” a nonconcern for the most part. As home prices rose, however, loan limits or maximum loan amounts were put in place just like they were for FHA and Conforming loans. […]Read More

VA Loans – Explained Once Again; We’re VA Experts!

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We get so many questions about VA Loans and whether or not we offer them that I thought it was time to repeat some key VA info. In short – we are VA experts and we love helping veterans. What is a VA Loan? A VA Loan (Veterans Administration Loan) is a mortgage that is […]Read More

VA Loans – The Bad and The Good

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I blogged about VA loans in October, explaining that they are the best deal in the mortgage world. VA loans have low interest rates, no mortgage insurance, and they allow for 100% financing. You can read my entire VA blog here. DRAWBACKS TO VA LOANS Despite all the benefits of a VA loan, there are […]Read More

What’s The Difference Between an FHA and VA Appraisal?

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Agents and borrowers alike often find the appraisal process confusing and opaque – it’s why we consistently field questions on what appraisers look for when inspecting a property and how agents can best prepare. Not only can appraisers’ opinions on value make or break a deal, but they also play a crucial role in determining […]Read More

VA Financing! Key Questions Answered & Explained

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We want to answer some common questions regarding VA loans to help our agents negotiate and close more VA purchases. VA loans represent one of the most competitive financing options available with respect to interest rates, fees and down payment options. In addition, VA loans are also more lenient than conventional and FHA financing in […]Read More

We Pay Per Diems – When & Why; VA Loans Too

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Reminder: We are VA Financing Experts. What makes us so good at them is the fact that we see more VA loans as a team over the course of a year than any one loan officer might see in an entire career. We love VA! We also happily pay Per Diem Penalties if a transaction […]Read More

VA Loans Can Exceed Limits; Subject Property Is Best Comp

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Two quick reminders today. 1. VA Loans can exceed loan limits. When VA borrowers make an offer on a house that is well above the VA loan limits, borrowers only need to come in with 25% of the difference between the purchase price and the county loan limit. Extreme Example: Price is $1,025,500. VA Loan […]Read More

VA Loans – Best Financing Available; Pros And Cons

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We are seeing a lot more VA buyers lately so we thought it warranted a blog. VA financing for veterans remains the best deal on the market, as the rates are very low (lower than conventional rates), there is no mortgage insurance, and no down payment is required. VA buyers can in fact buy with […]Read More

Lenders/Realtors Are On The Same Team; Loan Approvals Are Complex

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All of our veteran Realtor partners very much understand that they are on the same team as their lenders, with the same end goals: serving the buyer and closing the transaction. Our veteran Realtors do a beautiful job supporting us, and we likewise go out of our way to support them. We bring this up […]Read More