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. […]
Basic Allowance for Housing (BAH) for 2016
The BAH (Basic Allowance for the Military) will be reduced on Oahu in 2016. Needless to say this is extremely disappointing news for active duty members of the military and their families that will be transferring to Hawaii. The cost of living continues to increase here in the islands and our government will be cutting […]
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 […]
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 Loan Regulations and Fees
Yes, the VA loan program is a federal program. However, the government actually doesn’t make direct loans to veterans. Instead, private lenders are able to finance the loan while the Department of Veterans Affairs offers a guaranty. This guaranty protects the lender against total loss if the the buyer defaults. This provides a nice incentive for […]
