California VA Loan Officer

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VA Loan Closing Costs in California: What to Expect

VA Loan Closing Costs in California: What to Expect va home buyer

Veterans are sometimes caught off guard when they learn about the closing costs associated with a home purchase. While it is true that VA does not require a down payment, closing costs are still a thing when buying a home no matter what type of loan the buyer is using. In a survey done by […]

What is the Debt to Income Ratio on a California VA Loan?

What is the Debt to Income Ratio on a California VA Loan? california va mortgage calculator

The Debt-to-Income ratio is an important factor used when qualifying for a VA loan in California.  But what is the Debt-To-Income ratio and how is it calculated? The Debt-To-Income ratio, or DTI, is one of the factors lenders use to determine whether a borrower can afford their total payments, including the new housing payment, when […]

Why California Veterans Should use the VA Loan Program to Buy a Home

Why California Veterans Should use the VA Loan Program to Buy a Home

  Buying a home can be a difficult proposition for most non-Veteran Californian’s. The biggest hurdle to buying a home in California is the down payment. But this is where California Veterans have a big advantage over non-Veterans, because the VA loan program eliminates the need for a down payment. The VA mortgage is an […]

California VA Loan Limits for 2017

California VA Loan Limits for 2017 2017 California VA loan limits

What are “VA loan limits”? The Veterans Administration (VA) sets a maximum loan limit for what a qualified Veteran home buyer, with full entitlement, can borrow without making a down payment. This VA loan limit is calculated based on the average price a home is selling for in that county. That means that all across California, the limits will […]

What is Needed to Qualify for a VA Loan in California?

What is Needed to Qualify for a VA Loan in California? 2017 California VA loan limits

[et_pb_section admin_label=”section”][et_pb_row admin_label=”row”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”] What is needed  to get a VA loan in California? Fannie Mae recently released their “What do consumers know about the Mortgage Qualification Criteria?” Study. The study revealed that Americans are misinformed about what is required to qualify for a mortgage when purchasing a home. […]

Get Your VA Offer Accepted by the Home Seller

Get Your VA Offer Accepted by the Home Seller Refi Step 3

California Veterans can sometimes have a difficult time getting their offers to buy a home accepted by home sellers. As a matter of fact, it happens quite a bit. But by being proactive, there are things a California VA Lender and the Veterans real estate agent can do that will help increase the odd’s of […]

VA Loan Eligibility for National Guard and Reservists

VA Loan Eligibility for National Guard and Reservists va loan national guard

California Veterans using the VA home loan program are able to buy homes with no down payment up to the county limit. But what does it take to be eligible for a VA loan, especially when it comes to someone who has served in the National Guards or Reserves. Many of those who have served […]

Getting a VA Loan after a Foreclosure in California

Getting a VA Loan after a Foreclosure in California California VA loan after foreclosure

Many California veterans today wonder whether or not they can get a VA loan if they have recently been through a foreclosure. Fortunately, the VA qualifying guidelines do allow for veterans and military personnel to qualify for a VA loan after a foreclosure, but with some restrictions. VA guidelines after a foreclosure are actually more […]