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Lerma Sampang's Blog

By Lerma Sampang | Agent in Houston, TX

VA Loan Program

I wanted to share with you a very exciting fact, that I hope would be helpful to you or someone you know.

From a seminar I attended last Wednesday, I learned that VA loan is under-utilized. It saddens me as our service men owe it to themselves and very much deserve home affordability that the VA loan program offers. This is because of lack of knowledge or even misinformation about the VA loan program.

As your real estate professional, I pledge to keep up to date for your sake. I am glad I attended this seminar which drew my attention first anyway because I value our veterans and service men for the sacrifices they and their families gave us. The least I can do in the capacity that I am in as your real estate professional is encourage them to use it.

Here are some facts about the VA loan that I'm sure would urge you to do just that:
* No down payment required
* No monthly mortgage insurance
* Easier to qualify that conventional & FHA
    - No debt-to-income ratio limitation
    - Relaxed credit guidelines
    - Compensating factors are considered

In my experience, some VA or even agents shy away from a VA loan because of some challenges that could make the process long and arduous if handled by people who are unfamiliar with the VA program. But lo! I found just the right person to handle these kinds of loans and after that seminar I am more equipped to deliver a brilliant service to our VAs.

There are certain property requirements, but that is my job to filter and find one that will qualify for the VA program and is the right home for you too.

I am just an email or a phone call away, & am more than happy to assist all our veterans!


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