Once you have determined the loan amount you are approved for, you can start house hunting with confidence. In a tight housing market it will also give you a heads up with the seller, as other potential buyers may not have taken this important step.
Knowing in advance what you are able to afford offers a great deal of security. That kind of security will go a long way as you search for the best value for your money. Having a VA mortgage is an excellent benefit, but finding the right home is just as important. With pre-approval, you avoid wasting time with homes out of your price range or sellers who are unsure whether you are a serious buyer.
As a top VA home loan provider, NASB offers great rates on safe and affordable loan products, including FHA and VA home loans. We want to provide those who protect our country with the financial tools to help them build their own American dream. NASB is eager to help you determine if you are eligible for VA financing, and if you qualify, provide you with quick and hassle-free VA loan approval. We know most people want to purchase a home within their means rather than taking the largest mortgage a lender will allow, so during the loan process we provide you with all the information you need to determine the amount of financing you can most comfortably afford. And this is just part of the superior customer service experience you can expect from NASB.
A VA APPROVED LENDER
Earning the privilege to lend to our brave men and women is an honor we take seriously here at North American Savings Bank. VA approved lenders adhere to the highest standards of financial practice and NASB works extra hard to ensure a comprehensive loan experience for military personnel.
10601 N. Hayden Rd #I-100
Scottsdale, AZ 85260
Easier qualification standards
Less strict credit and income standards
No down payment required
Bad Credit Score VA loans Down to 550!
VA Mortgage Loans are available today for both honorably discharged Vets and active duty military personnel. Here are some of the great features of this fantastic program:
WHAT ARE THE BENEFITS?
- Up to 100% financing, with no down required.
- No monthly mortgage insurance added to your payment.
- More lenient credit qualifying standards than other types of mortgage loans.
- Low rates compared to other loan programs.
WHAT WILL YOU NEED TO BE APPROVED?
-Order your Certificate of Eligibility. A Florida VA loan lender can order your COE quickly for you, or you can go directly to the VA to obtain a copy. If discharged, you will need your DD214. The next step is to get pre-approved with an experienced VA lender.
-2 years tax returns
-Last 2 paycheck stubs
-Last two bank account statements
-600+ credit score (typically 640 is what most lenders look for)
-Same line of work for the past two years
-Money for closing costs
Please contact me and I will put you in touch with the best VA lender!!!
Andrew 954-394-7185 (prefer text first)
Wells Fargo and I do a lot of VA loans and we don't charge any origination fees or processing fees on VA loans.
Feel free to call or email me at 858-805-5347 email@example.com
or apply online at my website
We are a Direct VA lender, meaning we work directly with Ginnie Mae, who provides the guarantee for VA loans. This is a great benefit to you, the Veteran borrower, as we can avoid potential restrictive overlays (stricter qualifications) that may exist if you go with a lender than sells there loan into the secondary market of investors instead of direct to Ginnie Mae. Feel free to contact me at 602-290-6667 or KBrewer@PCMLoan.com.
Sr. Mortgage Advisor
Pinnacle Capital Mortgage Corp.
Thank you for your service to our great country!
My name is Jimmy Vercelliino and I am a Marine Corps Veteran and Mortgage Originator Specializing in VA Home Loans in Maricopa County.
For more information you can visit my website at http://www.VALoansForVets.com or you can call me direct at 602-908-5849.
I come from a family of Vets and thank and respect each one for their service. I will be happy to recommend a couple of lenders to you that you could speak with. Many of my clients as well as family members have used them......and would again!
Liberty One Realty
Congratulations on purchasing a new home! Now is a terrific time to buy a home with the low prices and the extremely low interest rates.
Not knowing what purchase price you & your husband are looking for, I prepared a chart showing you the monthly payments, which includes your estimated property taxes and home-owners insurance based on $100,000, $150,000, $200,000 & $250,000 purchase prices.
As of today, 07-26-2012, with approved credit, on a $200,000 purchase price, our rate would be 3.25% for a 30 year fixed rate loan, 3.481 APR, plus we would be giving back 1.213% towards your closing costs. That's $2,473!! That's enough savings for you & your husband to buy some furniture or a very nice big screen TV!
Here are your Loan Comparisons (http://mcedge.tv/16diky).
This breakdown also shows you the estimated amount you would need to bring to the closing table if your Real Estate Agent does not negotiate closing costs to be paid by the seller.
If you would like a recommendation for a strong, knowledgeable real estate agent, I'd be happy to recommend someone as well.
Please feel free to contact me directly if you have any further questions, I'd be glad to help.
All the best,
Roswell Moore, CMPS
Certified Mortgage Planner
We are a Direct Lender, Mortgage Bank where we originate, process, underwrite, fund, AND SERVICE our loans, in-house, with FHA (starting at a 580 score AND still only 3.5% down), FHA Streamline refinance loans (NO minimum credit score, NO appraisal required) Go Green rehab loans, HomePath, Investor Friendly (10 financed properties), VA, VA Refinance loans (NO appraisal required on IRRRL loans), USDA loans, Jumbo loans, Conventional loans, plus, we allow Escrow Hold-Backs!
Korene L. Clopine-Seaman
Senior Mortgage Originator / Mortgage Lender
AZ License # LO-0916745
CA License # DOC-218520
Direct Phone: 623-340-0934
Mortgage Website: http://www.klcsloanteam.com
Referral site: http://www.klcsreferralpartners.com
I have worked with this lender for years and we have helped many veterans use their VA loans to purchase a new home. You can contact Kelly direct, I have provided her information below.
Senior Mortgage Specialist
Peoples Mortgage Company
14500 N. Northsight Blvd., Ste #300
Scottsdale, AZ 85260
Direct (480) 428-1214
Fax (480) 882â€0860
Once she completes your loan approval I will help you begin your new home search. If you have any questions please feel free to contact me.
Congratulations on your first home search. Please thank you fiance for his service to our country. I am glad that he is aware of the VA loan program. I was just taking an application for a vietnam war vet the other day and this is the first time he has used his entitlement. It is quite a shame that our older vets were not made more aware of the great loan program available to them. As it should be, the VA loan is the BEST loan program available to anyone.
Since you are new to the area, I would certainly suggest working with a lender who is local as there are certainly differences in each market and listing agents will prefer to accept a loan from a buyer who is using a local lender. One other hurdle you may encounter is the bias some listing agents have against accepting FHA and VA offers as they feel that those loans are less likely to close. In order to overcome that bias, it is very, very important to be working with a real estate agent that is excellent at establishing rapport with listing agents and has a proven track record of success in getting their offers accepted. I can make you a referral to a fantastic agent team that consistently gets their offers accepted when I often see many agents making offer after offer only to get them rejected.
I have been originating mortgage loans since 1992 and have extensive experience with VA financing. We process, underwrite and fund all our VA loans in house, so I am in the same office with everyone who will handle your file. This allows us to have complete control over the process so that there are no surprises for you.
Please let me know if you'd like my help with your financing.
Brian Cardenas, Sr. Mortgage Banker
AmeriFirst Financial, Inc.
Jason Spears with Academy Mortgage is the best VA loan guy in Arizona. He has a Quick Application right on his website http://www.academymortgage.com/jasonspears fill that out and he'll get back to you quickly. It's a lot of personal information, if you're uncomfortable with internet security, you can make an appointment to meet, call him to set that up.
I do advise you to not ask the seller for closing costs contribution, not in this seller's market we find ourselves in. It'll be hard enough to find a seller willing to accept a VA loan, the VA appraisers have a reputation of being particularly picky about a house's condition.
We have a couple good lenders if you still need one. Please don't hesitate to contact us. Also, you can search the official, active, FlexMLS for home like we do through our website at:
If you need help finding your new home, please call, we would love to help
Ron & Brenda Cunningham
West USA Realty
*** Recognized in the Phoenix Business Journal as "One of the Top 50 Realtors in the Valley" ***
Best regards, Neema Enriquez
I am versed in VA loan transactions and I'd be happy to answer any questions that you may have before you proceed. I feel the VA loan program is the best loan out there! Zero down, no PMI and protected on certain closing costs. Please let me know how I can help
I have a great lender who does VA loans: Lynn Gallett of Coldwell Banker Mortgage, firstname.lastname@example.org or 480-560-1732.
I work in the East Valley, including Mesa, Chandler, Gilbert, and Queen Creek. If that's where you are looking, please give me a call at 480-789-9584 or email me at email@example.com. I have plenty of experience with people relocating to a new place and would love to help you out.
Best of luck,
Ann Griffin, Realtor, ABR, E-PRO, SRES
Coldwell Banker Trails and Paths
2913 N. Power Rd, Suite 101
Mesa, AZ 85215
I would be glad to help you and your fiance with financing for your first home. I really enjoy working with first time homebuyers, for the opportunity to explain how the whole process works and because you and others like you are so excited to be getting into your first home. :)
I am sure you will get a number of referrals, so why me? I have done my share of VA loans and I have been doing mortgages, in general, for over 13 years. Please go onto my LinkedIn site (see below) to see what others have said about my level of service, then please give me a shout and we can begin the process.
Bill Parker, Loan Officer
AZ Lic# 09011570
CPA--Licensed, no longer practicing
Legacy Group Lending, Inc.
15333 N. Pima Road, Suite 300
Scottsdale, AZ 85260
(O) 480-993-3080; (M) 602-565-3646; (F) 480-993-3081
MISSION STATEMENT: To create an unbelievably enjoyable experience for my clients, while guiding them through the most important financial transactions of their personal lives. My clients know me as their Mortgage Lender for Life. I truly appreciate your referrals.
If you think it's expensive to hire a professional to do the job, wait until you hire an amateur.
Red Adair, Oil well firefighter