Attention Veterans: Discover the Unbeatable Benefits of VA Home Loans!

Are you a retired veteran or active duty service member dreaming of owning a home? With a VA loan, you can turn that dream into a reality – and I'm here to guide you every step of the way!

Hi, I'm Liana Pomeroy, your trusted VA Loan Expert, here to explain how a VA Mortgage Loan works. As a seasoned mortgage professional with over 23 years of experience helping veterans like you, I'm thrilled to offer some of the lowest VA rates in the country.

Let me walk you through the incredible benefits of VA home loans and how one can help you achieve your homeownership goals.

Highlights of a VA Loan:

1. NO MONEY down with NO mortgage insurance required

2. Lower rates than conventional mortgages

3. Less FICO sensitive than conventional mortgages

4. Seller concessions allowed up to 4% of the purchase price

5. Seller concessions may be used to pay off debt to help you qualify

What Sets VA Loans Apart?

1. Finance a home with 0% down and no mortgage insurance

2. Exclusive to veterans of the US Armed Forces or active duty members with at least 6 months of service

3. Property must be a primary residence

4. Funding fee added to loan amount (waived for those with a disability)

5. VA-ordered appraisal ensures the home meets safety, structural, and sanitary standards

6. Lower rates compared to conventional loans

7. Less FICO dependent

8. Cosigners must be your spouse or another veteran

9. Seller may contribute up to 4% of the purchase price towards closing costs and prepaids

10. Lender may allow seller concessions to pay off debt and help you qualify

Frequently Asked Questions:

1. Can I use a cosigner? Only if it's your spouse or another veteran.

2. Is the funding fee waived for disabled veterans? Yes, with confirmation from your DD214 or Certificate of Eligibility.

3. Can I use my VA entitlement more than once? Yes, typically one at a time, but your lender can confirm your available entitlement.

4. Who orders the VA appraisal? Your lender, through the VA.

5. Is there a loan size limit? Not really – even jumbo-sized purchases can benefit from a VA loan.

With my expertise and dedication, I'm committed to helping you navigate the VA loan process and unlock the door to your dream home. Let's work together to make your homeownership goals a reality!

Contact me liana@pomeroylending.com today to learn more about how a VA loan can work for you.

Let's do this!