Buy A Home | Purchase a Home

Congratulations! Joining the ranks of American homeowners is an outstanding achievement. We want to help you make the most of it.

First, you wil be glad to know that VA home loans are the BEST PURCHASE LOANS AVAILABLE! You'll never find better terms for a home mortgage than those available through the Department of Veterans' Affairs and VArefiCenter.com!

Next, let's talk briefly about who exactly can qualify for a VA Mortgage loan. To be eligible you must meet a few basic criteria: You must be a veteran of military service, or a current active duty or reserve military member. You must also have at least 90 days on active duty and been discharged under other than dishonorable conditions. If you served less than 90 days, you may be eligible if discharged for a service connected disability.

One of the best features of the VA loan is that it allows for 100% financing of the purchase price of the home and does not require any monthly mortgage insurance, a common requirement of most loans. And of course, if 100% of your home is financed, you do NOT HAVE TO PUT ANY MONEY DOWN. You can even negotiate with your LENDER or SELLER to structure your loan so that the LENDER or the SELLER will pay all associated closing costs with the loan!

Now let's recap. The very BEST reasons for you to use your VA home loan benefit toward the purchase of your house are:

• NO MONEY DOWN
• NO CREDIT or FICO score requirments
• Low, Fixed interest rates
• NO MONTHLY Mortgage Insurance
• Debt-to-Income Ratios may be able to go as high as 70%
• Your Loan is guaranteed by the Dept of Veterans Affairs!
• You Can do a VA Streamline Refinance into a lower rate when rates go down

*Depending on the property state and actual lender, additional restrictions may apply.