Helping our Veterans discover the dream of homeownership in Northern California since 1981. The Homes for Veterans is a group of committed local professionals specializing in VA LOANS and VA REAL ESTATE services in the greater Sacramento area for over 35 years. Purchasing a home using the a VA loan requires experience and knowledge of the complexities of VA financing.
Let the experienced staff at the Homes For Veterans guide you through the homebuying process. Veteran homebuyers need a professional with the knowledge of all the benefits of homeowners to Veterans and the resources to help them achieve the dream of homeownership. Are you looking to buy a house? Let us help you. Just fill out as much of the information below that you want and we'll get right back to you, with no obligation to you.
We guarantee your privacy.
Let the experienced staff at the Homes For Veterans guide you through the homebuying process. Veteran homebuyers need a professional with the knowledge of all the benefits of homeowners to Veterans and the resources to help them achieve the dream of homeownership. Are you looking to buy a house? Let us help you. Just fill out as much of the information below that you want and we'll get right back to you, with no obligation to you.
We guarantee your privacy.
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Anything you submit over our website is 100 percent, fully secure.
And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money.
In turn, those mortgage lenders are bound by federal law to keep your information secure.
Here is a list of the information mortgage lenders will use to consider your loan application.
Two years tax returns, profit and loss statements, both company and personal if separate.
And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money.
In turn, those mortgage lenders are bound by federal law to keep your information secure.
Here is a list of the information mortgage lenders will use to consider your loan application.
Two years tax returns, profit and loss statements, both company and personal if separate.
You have done the hard part in the home buying process and chosen a lender and a real estate agent to work with.
You have also gone out and found the home of your dreams!
Best of all, your team has done a great job of negotiating the best deal for you.
Getting a home loan these days is a very interactive process.
I am always amazed by how many clients I work with who come to me unaware of all the pitfalls they face during the loan process.
Do keep the process moving by responding to your loan officers' requests for documentation as soon as possible.
You have also gone out and found the home of your dreams!
Best of all, your team has done a great job of negotiating the best deal for you.
Getting a home loan these days is a very interactive process.
I am always amazed by how many clients I work with who come to me unaware of all the pitfalls they face during the loan process.
Do keep the process moving by responding to your loan officers' requests for documentation as soon as possible.
Are you pre-qualified or pre-approved for a loan?
Before you begin to shop for a new home, you should set up a time to meet with me so we can figure out how much you can afford.
This will put you in a better position as a buyer.
That's when it is important to understand the distinction between being pre-qualified for a loan and pre-approved for a loan.
The difference between the two terms will be crucial when you decide to make an offer on a house.
To get pre-qualified for a loan, I will collect information about your debt, income, and assets.
Before you begin to shop for a new home, you should set up a time to meet with me so we can figure out how much you can afford.
This will put you in a better position as a buyer.
That's when it is important to understand the distinction between being pre-qualified for a loan and pre-approved for a loan.
The difference between the two terms will be crucial when you decide to make an offer on a house.
To get pre-qualified for a loan, I will collect information about your debt, income, and assets.
The information in your credit report has a huge impact on whether or not you qualify for a mortgage loan and what interest rate a lender will offer.
Therefore, it's important your credit report reflects a positive image of the way you manage your money.
If you're getting ready to buy a home, checking your credit report is the best way to ensure you get the loan and interest rate you deserve.
That's because the three agencies are independent of each other and the information may differ on all three reports.
Therefore, it's important your credit report reflects a positive image of the way you manage your money.
If you're getting ready to buy a home, checking your credit report is the best way to ensure you get the loan and interest rate you deserve.
That's because the three agencies are independent of each other and the information may differ on all three reports.
There are no black and white answers to these questions.
Its a matter of give and take.
If you plan on a 30 year mortgage, you can probably make a lower down payment (or perhaps no down payment at all) and still manage the monthly payments.
If, on the other hand, you plan on a 15 year mortgage, you'll probably want to make a larger down payment to keep your monthly payments in line with what you can afford.
Many buyers look at their cash on hand as their only source for their down payment.
This simply is not the case.
Its a matter of give and take.
If you plan on a 30 year mortgage, you can probably make a lower down payment (or perhaps no down payment at all) and still manage the monthly payments.
If, on the other hand, you plan on a 15 year mortgage, you'll probably want to make a larger down payment to keep your monthly payments in line with what you can afford.
Many buyers look at their cash on hand as their only source for their down payment.
This simply is not the case.
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