VA Home Loans

  
     


VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.

 

 

 

 

 

Other benefits of a VA loan include:

  • Negotiable interest rate.
  • Closing costs comparable – and sometimes lower - than other financing types.
  • No private mortgage insurance requirement.
  • Right to prepay loan without penalties
  • Mortgage can be taken over (or “assumed”) by the buyer when a home is sold.
  • Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.

 

Although mortgage insurance is not required, the VA charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee may be paid in cash by the buyer or seller, or it may be financed in the loan amount.

A VA loan can be used to buy a home, build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/ caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.

Active duty military and Veterans may apply for a VA loan with any mortgage lender that participates in the VA home loan program. A Certificate of Eligibility from the VA must be presented to the lender to qualify for the loan.

VA Home Loan Programs

Are you active duty military or a veteran searching for a new home in the Metro Phoenix areas of Arizona in the cities of Phoenix, Phoenix, Glendale, Sun City, Litchfield Park, Sun City West, Surprise, Goodyear? Do you want special rates reserved for our country's heroes? Do you need assistance achieving home ownership after serving in our armed services? Geneva Financial, LLC is proud to serve our veterans and active-duty families of the United States Armed Forces in Metro Phoenix areas of Arizona in the cities of Phoenix, Phoenix, Glendale, Sun City, Litchfield Park, Sun City West, Surprise, Goodyear and provide excellent rates with our VA Home Loan Programs. The loan programs are specifically for active duty members of the USA Military organizations or Veterans or those survivors of the VA members and have been helping our country's heroes get the homes they deserve.

 

 

 

 

 

 

The Benefits of a VA Home Loan?

 

 

 

VA Home Loans are some of the best loans in the industry, and aren't just limited to active duty veterans during war-time. Surviving spouses of veterans, National Reserve and Coast Guard members that have been in their respective service for 6 years, and even the citizens who served with the U.S. as allies in different engagements can all be eligible for the VA Home Loan Programs available in Metro Phoenix areas of Arizona in the cities of Phoenix, Phoenix, Glendale, Sun City, Litchfield Park, Sun City West, Surprise, Goodyear. Also, 100% financing is available to the majority of VA-eligible individuals. There are programs available to VA home loan signers that help with payments during financial hardship, and there is no penalty for prepayment on VA home loans. Also, upfront fees associated with normal home loans are limited and capped by the VA, allowing a much more affordable entry point for veterans in the Metro Phoenix areas of Arizona in the cities of Phoenix, Phoenix, Glendale, Sun City, Litchfield Park, Sun City West, Surprise, Goodyear.

Requirements and Restrictions of VA Home Loan Programs - Explained

There are some restrictions and requirements to qualify for a VA Home Loan in Metro Phoenix areas of Arizona in the cities of Phoenix, Phoenix, Glendale, Sun City, Litchfield Park, Sun City West, Surprise, Goodyear, they are as follows:

  1. Loan limits vary by county

  2. The minimum credit score required varies depending on the program

  3. You must be able to show earnest income and proof that you have the capability of paying the loan back

  4. You must have served during war-time, or been active duty for a minimum of 24 months with any discharge besides dishonorable, or have been in the National Reserves or Coast Guard for a minimum of 6 years

  5. If you are a surviving spouse of a veteran, there are time periods in which you could not have re-married in order to get a home loan

If you fit through all of these requirements, a VA Home Loan is possible and most likely your best option when financing your home mortgage in Metro Phoenix areas of Arizona in the cities of Phoenix, Phoenix, Glendale, Sun City, Litchfield Park, Sun City West, Surprise, Goodyear.

Get a VA Home Loan Quote Today

 

If you pass all these requirements and are looking for a home loan in the Metro Phoenix areas of Arizona in the cities of Phoenix, Phoenix, Glendale, Sun City, Litchfield Park, Sun City West, Surprise, Goodyear, there really is no better way to go than Geneva Financial, LLC. Contact us via e-mail at korene@klcsloanteam.com or by phone at 623-340-0934 today and we'll help answer any questions and tailor fit this program to work for you. 

Are you active in the service of your country?  We THANK YOU for your service!  Can we serve you?  Are you currently stationed or soon to be stationed at one of the seven Arizona military bases,


Are you stationed at Air Force Bases of Luke Air Force Base, Glendale, AZ, or  Davis Monthan Air Force Base, Tucson, AZ or Barry M Goldwater Range Air Force Base, Phoenix, AZ?

Are you part of the US Army Bases of Camp Navajo Army Base, Flagstaff, AZ,  or Fort Huachuca Army Base, Sierra Vista, AZ, or the Yuma Proving Ground Army Base, Yuma County, AZ?

Maybe you are one of our finest servicing in the USMC at the Marine Corps Base, MCAS Yuma Marine Corps Base, Yuma, AZ?

It would be our privilege to say THANK YOU, and be of service to you.  Please call us and we will help you with the Veterans-First Program where you can earn up to $7500. back after closing (when using a veterans first network agent, certain restrictions apply ).  We are available at your convenience.



 

Information on VA Loans and Entitlements
Getting your Certificate of Eligibility and Loan
Working With your Buyer’s Agent
Home Buying Process
And More

 

 FREE  VA Buyers Course Registration

 
Name of Veteran taking this Course:*
Primary Market Area (City or Base):*
Your Email to Send Diploma to:*
Are you working with one of our Veteran First National Network Agents? Yes No
If "Yes", which one?:
Have you been pre-qualified? Yes No
Would you like us to contact you? Yes No
Preference of contact: Phone:*
or Email:*
Comments or Questions:

Our Network of Veteran Certified Agents and Lenders are dedicated to helping make your real estate experience and loan process the best ever. They participate in this program to thank you for your service and help support the membership benefits you receive after closing.

Any Questions, Contact the KLCSLoanTeam as your lender
visit us at www.Veterans-First.com.

Got Questions: Email us at info@veterans-firstprogram.com

This course is owned and operated by the Veterans First Program which provides anyone that has served, currently serving or deceased spouses of Veterans a host of Membership Benefits including a Rewards Check. Our program is NOT a Rebate, but a Membership benefit paid directly after closing. Certain restrictions apply. Our Lenders pay a fee to join our Network. A Veteran can use any lender and still be entitled to their benefits. The $400 Appraisal Credit is a promotion provided only by participating lenders in our network. Questions contact us at info@veterans-firstprogram.com

Your privacy is important to us, we do no share your information with anyone.

MLOS# 218520 • AZ License # LO-0916745 • CA License # DBO-218520

 

 

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