CJ, I have never used my NOBE. As a Veteran, I always thought that I would use it to buy my dream home, and never again...but now I wish I had used it prior. Your Credit score is fine and with Cash and in your price range, you can Qual just fine. My VA lender is writing VA re-fi's under their new program almost weekly, (which is why I wish I had gone VA on my primary residence) The VA has a program that basically, just drops your interest rate. If you have a VA loan, and have made all of your payments on time for twelve months, then you are going to be in for a savings. Pretty good program!!!
As for your area, Plant City has a lot less inventory than other areas and I would locate a good REALTOR quick. I can send you a link to the stats for that area if you like and you will see what I mean.
So, your homework is...
1) find a Lender. VA Mortgage Broker.
2) find A REALTOR
3) find a deal
Thanks again and soon, I will be among the ranks of the folks, taking my boots off for the last time.. (Can't wait, but I am going to miss my troops)
Gary De Pury
Bay Vista Realty & Investments, Inc.
Chairman, Communications Committee
Director, Florida Association of REALTORSÂ®
You seems in good shape, if your credit is anywhere close to 700 and you're a Veteran, 180k house in this market will get you a NICE house.
Veterans are subject to a 3% fee..... which can be incorporated into the mortgage and no money down depending on the income/debt ratio.
My best suggestion is to get the numbers straight, and I past a VA calculator that you can use to see what is in your range: http://www.hothomespot.com/qualified.php?PHPSESSID=66ba5ff11
Go ahead and get qualified, define your needs and goals, don't disregard foreclosures: http://www.hothomespot.com/search_result.php?mode=foreclosure
Last but not least search the MLS here: http://www.hothomespot.com/advance_search.php
......and don't forget to call me! 813-785-7529