I am a Mortgage Banker with Chase in Ladera Ranch. Being a veteran is a distinguished title and does not impede your purchase prospects. Quite the contrary. At Chase we offer VA financing and a Military Program that gives our veterans a discount of $495. off of the loan fees associated with obtainin financing. We also offer a Free Homebuyer Advantage Program that can provide you with a loan approval, prior to writing your offer. That way, you look like a cash buyer to the seller and Listing Agent and any issues they may have with a VA loan will be settled up front. Give me a call if I can assist you further. Patricia Woods, NMLS #478770 949-307-2082
Mark, If you are still interested...give me a call. Larry
This is quite a forum!! Look, I will cut to the chaste. Yes, you can qualify for 100% financing with two exceptions:
1) You are ineligible as a veteran - (Very unlikely)
2)The property is ineligible - Certain condo projects can be ineligible.
We are a National Direct Lender and I can offer a substantial credit to our men and women in uniform, you have earned it and I'm proud to offer it. I think Dr. Webb would obviously be your best resource as a veteran himself (Thanks Dr. Webb for your service!!).
For Fast VA approval and financing just call me and I'll point you in the right direction even if you don't need my help. Thanks for your service!!
MALLSOPP@NAFINC,COM or (949) 636-5027
What the realtor really should have said though, is that it is harder to get your offer accepted because sellers and their agents are afraid that they will have to make repairs as required by VA loans.
My experience is that their fears are unreasonable becuase most buyers are going to want the same repairs. So it is important to have a realtor that can communicate that to the sellers and their agents.
However when buying foreclosures and short sales it is much harder to by a home with a VA loan becuase of the required repairs. I t hink this realtor was wanting your business and did not want to work. It is important for you to recognize that will take a lot more work for your realtor to get you into a home.
Contact them at 714-771-3800, and they can walk you thru the VA home buying process or go to the website, http://www.pacwestforeclosures.com to get up to date information on discounted homes in the Ladera Ranch area.
I'm a mortgage banker with Castle & Cooke Mortgage. In addition, Ive funded a lot of transactions in Ladera Ranch. I know Amy Sims & The Blackstone Team focus on Ladera Ranch & are both very highly regarded in the Real Estate Community.
All of the answers are correct below. Unfortuantely, VA loans have a stigma of "moving slower" through the process. Not true. There are a few tricks you can do to try and get your offer to the top of the stack. Starting with a professional agent that focuses on Ladera Ranch is your first step. I highly recommend reaching out to Amy Sims or The Blackstone Team.
Good luck & Feel free to call with questions.
Castle & Cooke Mortgage
Cell: (949) 212-4578
If you need more info I would be happy to supply it.
I wish you the best in your search.
Keller Williams Newport Estates
Secret List of Unlisted Bank Owned, Short Sale, and other Discounted Properties throughout the Orange County area. Most of these homes are not listed on the open market with or available through any online searches. Gain free access below. http://secretocforeclosures.weebly.com/
Go shopping for a mortgage. It may seem backwards to shop for a mortgage before you shop for the house, but there are several reasons for doing this. Shopping for a mortgage will also help if you can get â€œpre-approvedâ€ for the amount youâ€™d like to borrow. This means the lender has looked over your credit and financial statement and agreed to lend you the money. Sellers like pre-approved buyers because thereâ€™s less risk the deal wonâ€™t go through. First, youâ€™ll find out how much you can borrow, which has a lot to do with how much house you can buy. Be careful not to let the lender you push you into a monthly payment you donâ€™t feel comfortable with. Get my top 25 Questions you should be asking your lender before you choose them to secure a mortgage.
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I would agree with many of the other agents remarks below. I just closed a couple of VA purchases here in Ladera so it really depends on the property and if your looking at condos/town homes, it would depend on the tract and if it's approved or not. Nevertheless, I also work with a loan broker that has also approved many of the condo tracts here in Ladera under the VA loan program. You might want to consider working with an agent that is not only familiar with Ladera Ranch homes, but with how VA loans work.
Keller Williams Realty
As far as I know, there are no restrictions for VA loans in Ladera Ranch. Some agents are not as familiar with the VA financing. I have helped a client purchase a short sale with a VA loan and the transaction was smooth. VA loans do have a few requirements that are slightly different so you need to take them into consideration when purchasing a home. If I can be of assistance to help you, please call me or email me at email@example.com or 949-636-3007.
I am sorry you were told that, but perhaps that Realtor was referring to a particular condo development in Ladera Ranch. There are only a few approved at this time. Single Family Detached, residences are all available. Here are a list of some VA condos approved here in Ladera Ranch for your reference:
3.) St Mays
4.) Sutters Mill
5.) The Trails
I hope this helps in your search. If you have further questions, please feel free to reach out to me. I am a Ladera Ranch resident and Realtor and would be honored to assist in your home purchase. if you are a fellow agent feel to call for guidance. I am always here to help anyone with Real Estate questions.
Thanks for the question.
As far as I know you can use a VA loan on any property as long as your client and the house qualifies for it. It's up to the seller of that home to accept whatever offer they deem is the best.
Hope that helps.
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Ladera Ranch, Ca 92694