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 […]
The VA Energy Efficient Mortgage Program
If you are living in a “green home” then you already understand the types of advantages that come with it. Besides lower energy bills and tax breaks you are also leaving less of a household footprint on the environment. Did you know that on top of all this you can add and/or repair eco-friendly features for […]
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 […]
The Cost of Waiting: How VA Interest Rates Will Affect Your VA Home Loan
Deciding whether or not to wait on buying a home is a constant decision that every family struggles with. What is the cost of waiting? How do VA interests rates affect your VA Home Loan? Both of these are great questions and both are something to spend a little time thinking about and researching. Buying […]
Can Student Loans Affect Your VA Home Loan?
For certain disclosures please go to apmortgage.com/disclosures. Student loans are very common in the world we live in. They also present a huge obstacle for most, as most people who attend college will have them after they are finished. Student loan issues have become so bad that they are actually the number 1 cause of […]
How to Properly Prepare for Your VA Home Loan Application Process
Before you go into the VA Home Loan application process there are a few things that you can do to prepare yourself that will make the overall process easier and more comfortable for you. Here are a few things to consider. Mortgage Loan Calculator: Before you even start looking into any other aspect of the […]
