Home Buying in Marietta>Question Details

Ssolomon, Other/Just Looking in Marietta, GA

How to start buying a home with a VA loan?

Asked by Ssolomon, Marietta, GA Sat Apr 30, 2011

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Must know your entitlement, and discuss with trusted mortgage lender to know how much you are qualify at.
VA 100% financing allows, and seller able to contribute the closing costs you need.
Work with a Realtor, full time, who understand fast changing real estate market conditions.
Hope for best!

Yangsook Ku
http://www.AtlantaRealtyCentral.com
404-309-7599
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0 votes Thank Flag Link Tue Jan 14, 2014
The first thing you should do is get prequalified with a VA Mortgage Specialist. Va Loans are different in that they require a certain amount of reserves and also count dependent care into your debt ratio. When it comes to your Certificate of Eligibility you can make a formal request through the VA but most Lenders can access the VA system directly and download them. I would also look into what additional benefits are available to you whereas VA loans aloow 100% loan to values there are several additional programs that will provide you with additional funds that you can use towards the purchase of the home that only require you own and live in the home for 5 years. Give me a call and I can discuss these options with you.

Marc D’Angelo
Mortgage Banker
678.442.3405 Office
678.985.6834 Fax
404.925.8291 Cell
mdangelo@brandmortgage.com
apply online: mdangelo.brandmortgage.com


50 Chastain Center Blvd. | Kennesaw, GA 30144
NMLS# 75615 | 658834
0 votes Thank Flag Link Tue Jan 14, 2014
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0 votes Thank Flag Link Thu Nov 21, 2013
Locate a lending institution that participates in the VA program. You may want to get "pre-qualified" at this point - that is, find out how big a loan you can afford.



Check if you qualify for a mortgage. Try http://www.whywaitbuytoday.com
0 votes Thank Flag Link Sun Aug 25, 2013
VA loan is 100% financing allows.
It depends on our situation whether you are first time user of VA loan or 2nd time.

Check with VA administrative, what is your entitlement is, then go to lender, Bank of America, Wells Fargo, Chase to qualify based on your income and total debts.

Be sure to get written pre-approval letter before search and look at the properties.

I or my associate will be glad to work with you find a dream home of yours.

Sincerely,

Yangsook Ku
Realty Central of Atlanta
http://www.atlantarealtycentral.com
404-309-7599
0 votes Thank Flag Link Mon May 2, 2011
I would love to work with you. I know great lenders in the marietta are that process VA loans. I'M also an approved relocation specialist through USAA movers advantage program. Either way I can assist you with finding a great home and make sure it meets VA loan qualifications.

James Dudley
678-781-7418
James.Dudley@era.com
0 votes Thank Flag Link Mon May 2, 2011
First, get a certificate of eligibility. Some lenders can secure this through a program called ACE. Getting pre approved is essential in my opinion (not pre qualified, dont confuse the two). Then I would suggest getting a real estate agent and go house hunting. So find a lender would be my first step.

I would suggest preparing, gather W-2's, DD 214, VA disability (if applicable) award letter. We are at the tail end of this process. The stickler will be the VA appraisal, we are purchasing an REO and the lender repairs will pretty much come out of our pocket. VA loan is great, just be very diligent with forclosures (REO's). If you walk in, see holes in the walls or broken windows, likely a VA appraiser will call that out. Just some heads up.
0 votes Thank Flag Link Sat Apr 30, 2011
SIMPLE ANSWER:

All Realtors are governed by what your loan approval amount is

Contact a mortgage broker who will have your complete loan application then determines how to proceed from there

THANK you for serving our country

Lynn911 Dallas Realtor & Consultant, Loan Officer, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors
972-699-9111
http://www.lynn911.com
0 votes Thank Flag Link Sat Apr 30, 2011
Talk to your VA lender in your neighborhood first. Then shop. I'd call someone from Marietta with years of experience.

Ken Cook, NMLS ID 208452, AmericaHomeKey NMLS ID 102930 (I’m GEORGIA ONLY for home loans) Marietta, Georgia. Georgia residential mortgage lisencee #23191 Office 2300 Windy Ridge Parkway, Suite 840N, Atlanta, GA 30339 (678) 439-8683
Web Reference: http://kennycook.com
0 votes Thank Flag Link Sat Apr 30, 2011
For a VA Loan, you may want to check your benefits with USAA. They also offer VA Loans.
Visit them at http://www.usaa.com
Web Reference: http://www.321property.com
0 votes Thank Flag Link Sat Apr 30, 2011
Hi,

Great question. VA loans are some of the most flexible available today and for those who qualify to take advantage of them, you are part of a select group who can buy homes with no down payment in today's lending market. The process of buying with a VA loan is not really all that different than buying without. Step one is to prequalfiy with a good lender. I have several that I highly recommend that can do VA loans. As soon as you know what you can qualify for and what you feel comfortable with, then we would get to work looking at properties. As your agent, I would walk you through the entire process on the purchase side and your lender would handle all the details on the financing end. So, feel free to call me any time at 678-520-3113. i'd love to help you.
0 votes Thank Flag Link Sat Apr 30, 2011
Hello Ssolomon -Are you already working with a lender? I would say that is the first step to see what price range of homes you can afford. I have a great lender that I can refer you to, it is a quick and simple process and does not cost you a dime to get pre-qualified. After that the next step is look for a home. Feel free to contact me directly.

Enjoy the rest of your weekend it is gorgeous outside. The Taste of Marietta is tomorrow too. Let's chat soon.

Kiersten B Howe
k.howe@kw.com
http://www.exploregeorgiahomes.com
678-592-6551
0 votes Thank Flag Link Sat Apr 30, 2011
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