Why Working With a VA Loan Officer from the Area

is a Smart Move

The Veteran’s Administration

Guaranteed Home Loan Program has

helped millions of military veterans

and active duty service members

achieve their dream of home

ownership at affordable rates.

The application for a VA home loan

requires additional documentation

compared to conventional loans.

For new home buyers who don’t know how to get a VA loan, a

local VA loan specialist can provide the knowledge and

experience to help make the application process go smoothly.

Help With

Documentation

A VA loan specialist can help applicants acquire the

documentation they need to fill the program’s requirements.

A Certificate of Eligibility serves to

document your service record and

qualifies you for the program.

Applying for a Certificate can be

done online or by mail, using the

appropriate type of form for your

military service.

However, if you have a problem

get your Certificate of Eligibility,

your VA loan specialist will help

you with the process.

Credit Verification

To be approved for a VA home

loan, applicants must provide a

credit score.

Generally, a credit score of 620

is needed for approval.

Your VA loan specialist can often

find a lender that will accept a lower

credit score if there are problems,

as well as alerting you to issues on

your credit score that you can

remedy.

Once problems are corrected they can then ensure that the updated

report becomes a part of your application as quickly as possible.

Property Appraisal

The VA program requires that a

new property appraisal be done

on the home as part of the

application process.

An appraisal not only provides

real estate market information on

the property;

It also ensures that the home

fulfills the minimum property

requirements that are mandatory

under the VA home loan program.

If the appraisal indicates that the

house has issues that cause it to

be under the selling price, the

buyer may need to negotiate for

certain repairs.

These actions can add more time to the application process.

Generally, the appraisal process only takes 10 days. However,

delays often occur, so you should plan for additional time for

this step in your planning.

You VA loan specialist can help to expedite the process so that

you can receive approval for your loan in a timely fashion.

Notifications of

Loan Progress

One of the most important

benefits of working with a VA

loan specialist is the personal

contact that will keep you

informed of the progress of

your application.

They can eliminate the

needless waiting and

frustration that can often occur

during the application and

approval process,

as well as providing additional

support to help you navigate

the application process more

easily and with greater

confidence.

Jimmy Vercellino, is an Arizona VA

Loan Specialist who helps

veterans obtain the loans they are

entitled to.

He served in the United States

Marine Corps, and now devotes

himself to the Veteran home buyer in

the Phoenix area, fulfilling a passion

of his while at the same time helping

others achieve home ownership.

Be a proud homeowner today.

For more details call 480-351-5904 or visit the site

www.valoansforvets.com

VA Loans for Vets 7702 E. Doubletree Ranch Road, Suite 220

Scottsdale, AZ 85258

Phone: (480) 351-5904

Email: jimmyv@fcbmtg.com