VA Home Loans
Veteran Home Loans
Veterans Administration Loans Mortgages for Veterans






The VA ARM (adjustable rate mortgage) can get you into a home with a lower monthly mortgage payment. Rates are fixed for 3 or 5 years.
 
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VA Construction Loans

We finance new construction quite frequently. However, we do not advance any funds until the home is completed. So the builder would have to carry the costs until the home is finished. This is not a problem with most builders if they have an inventory of lots that they are building on. If the land is something that you own or have selected to purchase from a third party (not the builder) then the builder may be reluctant to carry the costs. In that event you would need an interim loan from a bank which could then be taken out by the permanent VA mortgage when the home is completed.






FREQUENTLY ASKED QUESTION # 30   [ -more VA Loan questions- ]
- - - - - -
Q: Improving Credit - How can I help myself before applying for a VA home loan?

A: Because your VA loan eligibility depends on your debt ratio, it's a good idea to start thinking about fixing your credit long before actually filling out loan paperwork. The best way to help yourself out is to follow the advice of a credit counselor, but you can also take steps on your own to increase your eligibility for a VA home loan. Eliminate as much credit card debt as possible. If you can get yourself down to a single card and stay that way for six months, you will be well on your way to improving your debt ratio and your credit rating. Remember that the maximum debt ratio allowed for approval is 41%, and that your credit rating is also a factor. If you are within a few months of paying off a major debt such as an automobile loan, do so as quickly as possible. You'll most likely need to allow for credit reporting agencies to "catch up" with your newly paid off cards and loans.


VA Loan Rates
for 7/05/2008


30 year fixed
-----------------
0.000 points
6.500%
6.618% APR

15 year fixed
-----------------
0.000 points
6.500%
6.500% APR



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Life Insurance for Military Members





Montgomery GI Bill benefits can get you started:
University of Phoenix
- AIU Online
- Capella University
- DeVry University
- Kaplan University
- Westwood College
- Walden University
- Strayer University
- Virginia College
- Grand Canyon U.
- Grantham Univ.
- Jones Int'l Univ.
- South University
- Ellis College
- CTU Online
- Baker College



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VA Home Loans 101
An easy reference guide offering vital information for using your VA benefits to buy a home.




Military Loans
Serving the military community with personal loans from $500 to $10k.

Pioneer Military Loans



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Education plus military training can be an unbeatable combination for a military promotion or for a civilian career.

The Montgomery GI Bill provides up to 36 months of education benefits for Active Duty, Selected Reserve, and Military Veterans.

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