Firehouse Mortgage offers professional mortgage brokering services to homebuyers in Houston Texas. We strive to attain the highest level of customer service satisfaction and trust.
Military service members often face the challenge of having to find homes when having to relocate during active duty. With this zero percent down payment option, active duty, surviving spouses and veterans can alleviate this hassle by taking advantage of a VA 30 year loan option. Beginning in 1944, this program was designed to help veterans get into a home or refinance their current home without the added cost of having to put money down up front and high credit score requirements.
Backed by the Department of Veteran Affairs, the VA loan provides certain guarantees which assists in allowing lenders to bypass certain very strict requirements that would otherwise be needed for loan approval. With no money required to be put down and less than strict guidelines, what are some of the other benefits provided by a VA 30 year fixed loan program?
When it comes to VA loans there are many types available for the buyer or refinacer’s needs. The most common type found would be the VA purchase loan. This is for qualified buyers in general for their home purchase. Another VA loan is the VA cash out refinance loan. This VA loan is generally used for replacing a current VA loan or converting a conventional mortgage loan into a VA loan. This loan allows the buyer to turn their equity built up into cash. The VA Rehab and Renovation loan is another viable option available. This can be used for renovations, repairs or home improvements.
How do you qualify for a VA 30 year fixed loan? Active duty service members who have served over 90 days may qualify for this loan if they are currently serving. Veterans may also qualify for this program unless they have been dishonorably discharged. National Guard and Reserves also can apply for a VA 30 year fixed loan if they are active duty and fit the standard VA criteria when applying. Even spouses may apply if they are: an unmarried surviving spouse of a veteran who died during his or her service, unmarried surviving spouse of a disabled veteran, or a spouse of a living service member who is missing in action (MIA) or a prisoner of war (POW). Even U.S. citizens who serve in the armed forces of a government allied with the United States during WWII.
If you fit these criteria or have questions about how you can get started with a VA 30 year fixed mortgage loan, then please contact our qualified loan officers at Firehouse Mortgage. Let us get you into the home you deserve!
Firehouse Mortgage offers professional mortgage brokering services to homebuyers in Houston Texas. We strive to attain the highest level of customer service satisfaction and trust.
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Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the texas department of savings and mortgage lending, 2601 north lamar, suite 201, austin, texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.Sml.Texas.Gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.Sml.Texas.Gov.
