We have served 83 military families and have helped them use their VA loan. We are a top producing team that closed $40M in purchase and sales for our clients in 2021, and an additional $51M in 2022.

We are Certified Home Buying Advisors by the National Association of Expert Advisors (NAEA) which means we have a proven repeatable process to help you successfully complete the purchas. We know how to get offers accepted despite extreme competition and go above and beyond to serve you.

We have creative tactics to make your offer an optimum offer; one that has the best potential for a successful outcome for you. We will work hard for you from start to finish, and we continue to serve you after your purchase. Creating a legacy of wealth for our clients is our goal. Work with us and you will see that we are not like any other agents out there. Our team is here to help you.

No Down Payment. By far, the single-largest benefit of the VA loan is that qualified Veterans can purchase without a down payment. ... No Private Mortgage Insurance. ... Competitive Interest Rates. ... Relaxed Credit Requirements. ... Closing Cost Limits. ... Lifetime Benefit. ... No Prepayment Penalties. ... Foreclosure Avoidance.

VA loans, or loans backed by the U.S. Department of Veterans Affairs, are a fantastic benefit for eligible veterans and active-duty service members. However, like any financial product, there are several myths and misconceptions surrounding VA loans. Let's debunk some of these myths to provide a clearer understanding of this valuable program:

Myth: VA loans are only for veterans who served in combat.

Fact: VA loans are available to a wide range of veterans, including those who served in non-combat roles. The key eligibility criteria typically involve meeting specific service requirements, such as a minimum length of service, and obtaining a Certificate of Eligibility (COE).

Myth: VA loans are difficult to qualify for.

Fact: While VA loans have eligibility requirements, they are often easier to qualify for than conventional loans. VA loans usually have more flexible credit and income guidelines, making homeownership more accessible for veterans and active-duty service members.

Myth: VA loans have high interest rates.

Fact: VA loans tend to have competitive interest rates compared to other loan programs. This is because they are backed by the government, which reduces the risk for lenders, resulting in favorable terms for borrowers.

Myth: VA loans require a large down payment.

Fact: One of the significant benefits of VA loans is that they often require no down payment. While some other loan programs may require a down payment of 3% to 20% or more, VA loans allow eligible borrowers to finance up to 100% of the home's purchase price.

Myth: You can only use a VA loan once.

Fact: VA loan benefits are typically reusable. If you pay off your VA loan or sell the property, you can often use your VA home loan benefit again to purchase another home. However, some conditions may apply, such as restoring your entitlement, which depends on your loan amount and whether the prior VA loan was paid off.

Myth: VA loans take longer to close.

Fact: VA loans do not necessarily take longer to close than other loan types. The speed of closing primarily depends on various factors, including the lender's efficiency, the complexity of the transaction, and the borrower's readiness. VA loans can be processed efficiently with the right lender.

Myth: You can't use a VA loan for investment properties.

Fact: While VA loans are designed for primary residences, there are circumstances where you can use them for multi-unit properties, provided you live in one of the units. However, VA loans are not meant for pure investment properties.

Myth: VA loans have expensive upfront fees.

Fact: VA loans often have lower upfront costs compared to other loan programs. While there is a VA funding fee, it can be rolled into the loan amount, reducing the out-of-pocket expenses for veterans and active-duty service members.

In conclusion, VA loans are a valuable and flexible home financing option for eligible veterans and active-duty service members. Understanding the facts about these loans and dispelling common myths can help prospective borrowers make informed decisions about using this excellent benefit. If you are a veteran or active-duty service member considering homeownership, it's essential to consult with a knowledgeable lender who specializes in VA loans to explore your options and take advantage of this beneficial program.

We have helped several families purchase homes sight unseen, with all paperwork being completed from their current location. We will show you the good and bad of the home and the immediate outside area. The listing agent's job is to show the home in the best way possible, often leaving out photos that might cause you to think twice about purchasing the home. We have employed 360 degree virtual tour technology in order to take videos that help our clients experience the layout of the home, and our clients have remarked that the home was just like what was depicted on the camera. You don't have to look just where the camera is pointing - if you click on the video it will allow you to change what you are viewing in the home since the camera captures the 360 degrees of surroundings.

Find out what our past clients had to say about us! We pride ourselves on 5 star reviews and hope to earn a 5 star review from you! 

Steps for using your VA loan.

This comprehensive checklist is designed to ease the stress of moving for military personnel. Before your move, collaborate with your real estate agent and research your new area, securing a VA loan pre-approval. During the move, confirm logistics and keep track of your items. Upon arrival, immerse yourself in your new community, update vital records, and manage school enrollments. Follow this guide to ensure a smooth and organized transition to your next duty station.

Set up a call so we can chat about your options, help educate you on the process, and see if our team is a good fit for you and that you're a good fit for us as well. 

*Click on the graphic on the left.