Now is the time to use your 0% financing and no down payment benefit that comes with the VA Loan Program. Interest rates are competitive and this could be the opportunity to lock in before rates rise. The VA Loan Program makes it easier for qualified Hawaii buyers to get a loan of up to $721,050. […]
The VA Loan and Spousal Income: How Does it Work?
I get a lot of different questions about the VA Loan before and during the process. However, one of the most asked questions I receive is whether or not spousal income can be counted on the VA loan application; specifically for calculating the DTI, or debt to income ratio. The first choice of many veterans […]
Residual Income Guidelines for Hawaii
There are certain residual income guidelines you need to be aware of in Hawaii when applying for a VA home loan. Residual income requirements vary based on where you live. VA mortgages default at the lowest rate of all major lending options – including prime loans made via Fannie Mae and Freddie Mac. The Department […]
Active Duty VA Mortgages
Whether you are stationed in the United States or deployed overseas, I can help you with your VA Home Loan needs. Yes, oftentimes active duty personnel want to go ahead and use their VA loan, or at least some of it. This can indeed be done and I am able to help active duty personnel […]
VA Eligibility for Retired Veterans
I always here questions from retired veterans regarding their eligibility for the VA Home Loan program. Obviously the main question is “am I still eligible?” To answer that question short and sweet I simply say… yes, you are still eligible for the VA Home Loan Program. Just because you are retired does not negate the […]
Minimum Property Requirements and the VA Loan
There has been some talk in the past, even very recently, that the Department of Veterans Affairs might waive its minimum property requirements. However, even if they do wave some things there are still certain requirements that cannot be waived because they directly affect the health and safety of those who live in the home. If […]
