VA – Home Purchase Loans

National Oceanic and Atmospheric Administration and Commissioned Officers of the Public Health Service are considered to be active duty members and veterans, once discharged.

Veterans must have been discharged under conditions other than dishonorable.

Length-of-service requirements apply in most cases.

You will need to have a valid Certificate of Eligibility (COE). You may obtain one from the VA or from your lender. 

If you need to obtain your COE, please contact your lender about obtaining your COE. You can also download the VA Form 26-1880. You can get complete details on where to complete the form and mail it. You can also call Toll free number: 1-888-244-6711 or email the “U.S. Department of Veterans Affairs“.

Great Loan Terms

Market Interest Rate, VA funding fee and no pre-payment penalties. Maximum loan term cannot exceed 30 years. No maximum loan amount.

Application Process

Contact your lender to discuss qualifying for the VA loan. Your lender will help you find out the basic requirements, including the following:

The loan must be for your primary residence.

The home has to appraise for the loan amount or higher.

You need enough income to meet your monthly mortgage payments, maintain the home, take care of your other debts, and have enough money left over to cover daily expenses.

You have to have a good credit history to qualify.

A VA lender is the best way to find out if and how to qualify for a loan and get the pre-qualification process started. You can always get up to date info from the VA Home Loan website.

If you have any interested in getting an ARM (Adjustable Rate Mortgage) loan, please note that that the loans are being offered as a traditional 1 year ARM and also as hybrids with 3, 5, 7 and 10 year fixed rates. Consult with your VA lender to be sure they are still offered.

Program Contact Information

Please call or email me for more info. I have a great VA lender that can answer all your questions.

Keeping Your Austin Texas Lawn in Top Shape

Haircut? A Simple Rule for the Length of the Grass
There are differing opinions about what length is right for your lawn, whether it should be anywhere from four inches long down to about two. It may vary based on the kind of grass and where you are located. Though it may vary, a good rule of (green) thumb would be to keep it cut to about 3 inches in length. This will let each individual blade of grass retain water better, allowing it to thrive with less water.

Hey, You’re Pretty Sharp
If you’re like many lawn lovers, you might take it for granted that your lawn mower blades are sharp and you know they can injure you, but they might not really be as sharp as you think, and dull lawn mower blades can cause a dead-looking, stressed lawn. This can happen when the lawn isn’t being cut but rather being torn. That can give an entry path for destructive organisms and makes it harder for it to grow.

Grass Can Benefit the Soil
Not often do you find a really simple solution and it lessens the work in addition. For most people one of the most onerous parts of the task is the raking and picking up the clippings from your freshly mowed lawn. Not only is that task generally unnecessary, but it is often a benefit for the lawn if you don’t take the trouble of doing it! Here’s something you might not have taken into account: the lawn clippings are a good natural mulch for the lawn. So unless you leave huge piles and clumps of leftovers around the yard, it’s probably best to leave the tiny clippings where they fall. A little extra effort may be required every few years to remove material when it builds up too much.

Everyone likes a pretty green lawn and these quick suggestions should help you on your way to a greener lawn without too much hard work.

Disclaimer

This site is intended for clients that are not currently registered with a Broker. If you have a current Buyers Representation Agreement signed with another Texas real estate Broker, please contact your Agent or Broker. Texas Real Estate Commission Consumer Protection Notice