A VA Home Loan May be Just Right For You
The VA Home Loan Program makes it much easier for veterans to secure a home than with other loan solutions. This program is available to veterans only and is guaranteed by the U.S. Veteran’s Administration.
Frequently VA home loans offer lower interest rates than conventional financing, and the underwriting guidelines typically make it easier for veterans to qualify for their home loan.
With today’s low interest rates, purchasing a home with a VA loan is often much less expensive than renting.
W.J. Bradley proudly offers government-backed VA home loans for veterans. These loans have many advantages over other types of home loans, as outlined below:
- Available exclusively to veterans, reservists, active-duty personnel, and surviving spouses of veterans, based upon military entitlement
- Available for purchase or refinance of an existing mortgage
- Up to 100% financing for a purchase mortgage – no down payment required
- 90% maximum financing for mortgage refinance
- No cash reserves required
- No application fee
- Closing costs may be paid by seller and/or lender
- 1-4 unit primary owner-occupied residences only
Additionally, gift funds or government community bond programs for assistance with closing costs may be used with the VA Home Loan Program.
WJ Bradley also offers VA Interest Rate Reduction Refinance (IRRRL) loan programs. With this program, the interest rate on an existing VA loan may be significantly reduced – and a new appraisal may not be required!
With more than twenty years of experience in residential mortgage lending, I am very familiar with the requirements, restrictions and benefits of the VA Home Loan Program.
I am also familiar with many of the misconceptions that some realtors have regarding VA Home Loans. I will be happy to work with your realtor to clarify the many benefits of a VA loan, especially for first-time home buyers.
With WJ Bradley’s in-house processing and underwriting expertise, we can close a VA Home Loan in as little as 15 days!
If you would like to know if you can qualify for a VA home loan, please call or email me to set up a brief telephone appointment. My cell phone number is 949-300-2399.
Let’s see what we can do together to help you purchase a new home or refinance your current mortgage using WJ Bradley’s VA Home Loan Program.
With warm regards,
Donna F. Williams