Qualify for a VA Home Loan
Our website is one of a first-class group of VA approved lenders with VA Automatic Status authorized from the Department of Veterans Affairs. VA Automatic status is both an honor and privilege, granted at the discretion of the VA, for companies with the most skilled and proficient underwriters. VALoans.com has consistently performed exceptionally under stringent quality control reviews and has excellent customer service.
We offer VA mortgage home loans for veterans and active duty military personnel nationwide as Mortgage Bankers, not brokers. We manage loan processing, documentation, underwriting, appraisals and funding activities in-house allowing for faster, easier mortgage transactions, saving customers weeks of time in getting their loan. Please visit us.
Polls show "Americans' concerns about key economic and housing issues are beginning to subside," says mortgage investment firm Fannie Mae. Consumers believe financial risks have lessened from last year, Fannie reports. Increased hiring in recent months "has helped soothe consumer concerns, lifting their moods regarding their personal finances, the direction of the economy, and their views on the housing market," adds Fannie Mae's chief economist. "As a result, we've seen more potential for economic upside."
Today's market conditions are especially helpful for persons who are thinking about moving up to a better home. That's because it's become easier both to sell your current house, and to buy another one. Pending home sales "remain notably above the pattern in the first half of last year," says the National Association of Realtors (NAR). Sales activity during this spring's homebuying season could be the highest in five years, NAR adds. Currently sales are forecast to go up nine percent in 2012 compared to last year, according to NAR.
But there's another reason why now is a great time to move up. "Housing affordability conditions have reached the highest level since record-keeping began in 1970," NAR reported in March. NAR figures reveal that "the typical family has roughly double the income needed to purchase a median-priced home," states NAR's president. "Now is a very good time to become a homeowner."
Low mortgage rates play a big part in making home payments affordable today. However, some economic commentators are forecasting higher rates in the future. Persons who purchase now will lock in affordable housing costs for years to come. Talk with us right away if you're ready to move into a better home!
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John Burns Real Estate Consulting recently noted that "over the last three months, prices are up in 90 of the 97 markets we analyzed. The average price increase over the last three months is 1.1 percent, or a 4.5 percent annual rate."
Other commentators agree that prices are rising in most areas of the country. However, it will take time for the national media to recognize this story. That's because most analysts use data from sales which were initiated up to six months earlier. In other words, the information they report is based on outdated market conditions.
Many commentators will start getting excited about higher real estate values during the second half of this year. But savvy buyers are aware that prices are rising now in many neighborhoods across America. Homebuyers must outbid each other in some markets, reports Bloomberg News. It's been years since purchasers needed to offer more than the asking price on sale homes.
Fewer houses are on the market now, so buyers need a sense of urgency when they find a property which suits them. Get in touch with us to discover how it's possible to purchase a home with affordable payments soon.
More economists are talking about America's ongoing recovery. One reason higher gasoline prices haven't derailed this emerging upturn is that average personal incomes have been going up at a faster pace than the rate of inflation.
U.S. households also have reduced their overall debt burdens, and now have more funds available for spending on other things. Job growth is playing an important role in improving our personal finances.
Positive trends are emerging in the real estate sector, as well. Home sales went up modestly last year, reports Fannie Mae. Yet the mortgage investment company forecasts a strong 6.8 percent growth in total housing sales in 2012.
Concerns about inflation are causing today's low mortgage rates to fluctuate. Markets also aren't sure if the Federal Reserve will be as aggressive in defending low rates in coming months as it has been over the last few years. Consumers who have been thinking about purchasing real estate or refinancing a home loan could benefit by acting now, before rates move appreciably higher. Delaying a move could increase your monthly payments.
Home loan rates typically are tied to yields on ten-year U.S. Treasury bonds. Increased government borrowing has many experts worried that rates could spike upward at some point, as investors demand higher yields. Inflation causes money to lose some of its purchasing power over time. But "real assets" – such as a home – tend to go up in value during inflationary periods.
Today's homebuyers are enjoying a great combination of low rates and attractive real estate prices. However, no one knows how long these beneficial circumstances will be available. Contact us right away, and we'll show you how you can take advantage of current market conditions!
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