Mortgage Resources

Co-Borrowers on A VA Loan
Does VA allow Co-borrowers on VA loans? We get some calls from people wanting to use Veteran Co-Borrower and  a VA loan to buy a home. The question might be something like, "My father is a Veteran, can he co-sign ...
Getting a VA loan with Credit Issues
Factors for Loan Approval Lenders work with the borrower's past credit history looking for several variables to determine if a loan is able to be approved. Many people looking to buy a house want to know what factors go into the ...
VA Loan Programs: Energy Efficient Mortgage (EEM)
VA Energy Efficient Mortgage: Looking to go "green"? For VA borrowers and homeowners, this may be more helpful than just reducing your household's environmental footprint.  Making home improvements to be more energy efficient could mean lower energy bills, additional tax ...
VA Loan Closing Costs
Closing Costs: When it comes to closing a real estate deal there is a lot to consider. On one hand there is the price of the home to consider and on the other hand the cost of the deal, or ...
What Can a VA Home Loan Be Used For?
The VA Home Loan: The VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs (VA).   The VA home loan program was created in 1944 as part of the GI Bill of Rights. The goal of the ...
Debt to Income Ratios for VA Loans
VA Debt-To-Income Guidelines According to VA guidelines, borrowers and or their spouse must qualify according to set debt ratios which are used to determine whether the borrower can reasonably be expected to meet the expenses involved with home ownership. Usually, ...
Benefits of VA Home Loans
Benefits Purchase Loans:  Offer a competitive interest rate without a downpayment of private mortgage insurance.  Cash Out Refinance loans: Interested in paying off dept, making home improvements, or cashing in for school this loan allows you to do so by taking ...
Eligibility for VA Home Loans
Eligibility Suitable credit Sufficient income Valid Certificate of Eligibility The home obtained must be for your own personal occupancy Eligibility Requirements for VA Home Loans: Requirements to qualify for a COE can be found below, you must also have been ...
What is the Buying Process for a VA Home Loan?
The VA Buying Process for Colorado Home Owners: For most cases the following steps are needed to obtain a VA home loan. Apply for a Certificate of Eligibility. The Certificate of Eligibility (COE) is for the lender verifying the eligibility requirement have ...
What Are VA Home Loans?
VA Guaranteed Home Loans: Listed below are what VA guarantee home loans can be used for: • buy a home, either existing or pre-construction, as a primary residence • refinance an existing loan VA Guaranteed Home Loan Benefits: • Equal opportunity ...