September 2018

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VA Loan, VA Loans, VA Home Loans, VA Home Mortgage


Buying a Home with a VA Loan

Why a VA Loan is Perfect for Home Buyers

Military homebuyers have access to one of the most unique and powerful loan programs ever created. The VA loan program has helped more than 18 million veterans become homeowners since World War II.

These flexible, low-cost loans are more popular than ever before, and there's little secret why: Qualified veterans can purchase a home with no money down.

No Downpayment

Saving money and building credit can be difficult for service members constantly on the move. Government-backed VA loans allow qualified veterans to finance 100 percent of the home's value. VA loans are easier to qualify for than conventional, with income and credit requirements that open homeownership to a wide range of veterans and active-duty service members. Even More Savings

VA loan borrowers also don't have to spend money every month on private mortgage insurance, or PMI. Interest rates are often lower for VA loans than their conventional counterparts. They also allow sellers to pay closing costs and concessions, another benefit that keeps money in the veteran's pocket.

First-Time Buyers

The advantages are real. A lower monthly payment, easier qualification guidelines and the ability to purchase with $0 down make a VA Loan the best option for first time home buyers who qualify.

VA Home Mortgage - If you're among the millions of U.S Veterans and Military Service Personnel who are eligible for a VA Mortgage Loans then isn't time you received your benefit?

Veterans Today Network, America's leading news and information source for U.S. Veterans and Military Service Personnel, along with America's leading Veterans Administration Certified VA Home Loan Mortgage Lenders who service AND bring you the very best in VA Mortgage Loan Services.

VA Loan, VA Loans, VA Home Loans, VA Home Mortgage

Fill Out our Application and Get Your Loan Right Now! wE'LL show you how the VA Mortgage benefit loan Program can get you into a home with no down payment with the least amount of paperwork.

You can use your VA Mortgage Loan benefit to buy a new home or refinance an existing home with no down payment. So what are you waiting for?

All Veterans in good standing with the VA are eligible for the Veterans Administration Mortgage Benefit including VA Home Mortgages for Veterans who live and reside in all 50 U.S. States. These VA Mortgages are generally the best choice for Veterans who are planning to make a purchase or refinance an existing home and use a VA Home loan.

The U.S. Department of Veteran Affairs (VA), which originated in 1930, provides a full menu of mortgage loan benefits, including financial benefits for Veterans and their dependents. VA Mortgages are one of the benefits provided by our Veterans Administration (VA) for Veterans who live and legally reside in United states of America.

Our knowledgeable Veteran Loan Specialists are waiting to answer all of your questions and help you with the entire mortgage process. Loan limits have increased to $ 417,000 and more in noted areas of the country so apply online for a VA Home Mortgage Loan Now! Apply for a VA Home Loan Now!
Get Pre-Qualified Now!

* As of January 1, 2006, qualified Veterans and active duty military can obtain up to a $417,000 loan in with no money down. Let our knowledgeable VA Home Loan specialists help you maximize your VA benefits today and help you get your VA Home Mortgage.

No Money Down Doctor morgage - Once doctors are out of residency, that debt is a factor. But if they enrolled in a federal pay-as-you-earn or income-based repayment program for student loans, which caps monthly payments at 10 to 15 percent of discretionary income, then that lower monthly payment is figured in.   Physician loans generally require only an employment contract as proof of income rather than pay stubs, which is helpful for doctors who are relocating for their first job and want to be all moved in before they start. 

No Money Down Doctor morgage

Special mortgage products for physicians are designed to meet the needs of doctors just starting out. New doctors typically have heavy student loan debt and very little money saved, given the modest salaries typically paid to residents, said Josh Mettle, who runs the physician home loan division of Citywide Home Loans, which is based in Salt Lake City. "They almost always have a negative net worth when they begin attending," he said. 

Lenders make adjustments to their debt calculations to account for the doctor's future earning potential. "We would not count the student loan debt if they're in a residency," said David Gunn, the retail mortgage sales director for Fifth Third Bank, which is based in Ohio and has had a physician loan program for the last five years. "We know their income's going to jump dramatically when they get out." 

While these loans have distinct advantages, they generally cost a bit more than a conventional mortgage, either because of a higher interest rate, fees or points, said James M. Dahle, an emergency physician in the Salt Lake area and the editor of whitecoatinvestor.com, a financial advice site for doctors.

The program is part of a strategy for "deepening relationships" with physicians by selling them a variety of services, like investment planning or credit cards, he added. Applicants for the physician mortgage must have at least a direct deposit account with the bank.
"I had an intern email me who was making $40,000 or $50,000 a year and had $450,000 in student loans," Mr. Dahle said. "She couldn't figure out why no one would loan her $400,000 for a condo. I said, 'Because you're a terrible risk.' " 

Physician home loans make it easier for them to qualify. The down payment is typically 10 percent or less, with no private mortgage insurance required. Citywide Home Loans offers 100 percent financing on loans up to $850,000, Mr. Mettle said. 

Bank of America's physician mortgage program will make the loan up to 60 days before the applicant starts a new job, according to Tim Owens, the national retail sales executive. 

Eighty-four percent of graduates from medical school this year reported having student loan debt, and the median amount was $180,000, according to the Association of American Medical Colleges.
"The banks aren't doing you a favor because you're a doctor," he said. "A lot of them will require you to have at least a checking account." 

He advises residents against jumping into homeownership, primarily because they will be leaving their positions within three to five years and relocating. In any case, some will have no choice but to rent. 

But at the same time, Mr. Mettle said, after long periods of "delayed gratification," these young doctors are also eager to buy their first home.

FHA Foor credit Home Loan-Dont Let Bad Credit Stop You - The Federal Housing Administration, or FHA, requires a credit score of at least 500 to buy a home with an FHA loan. A minimum of 580 is needed to make the minimum down payment of 3.5%. However, many lenders require a score of 620 to 640 to qualify. 

FHA Foor credit Home Loan-Dont Let Bad Credit Stop You
 
Since its inception in 1934, the FHA loan program has assisted more than 40 million families buy or refinance property. Its extreme popularity is a direct result of its flexibility. The program was built from the ground up to promote homeownership among a portion of the population that would not otherwise qualify. 


The lender won't be at risk of losing its FHA credentials if its lower credit score loans are performing similarly to loans within the same credit score bracket. In addition, the comparison will be made nationwide, not just in the lender's geographical region. 

Most if not all lenders across the country impose tougher guidelines for FHA loans than does FHA itself. It doesn't seem to make a lot of sense until you realize that FHA penalizes lenders for approving too many bad FHA loans. 

This can and did lead to an escalation of sorts – lenders raised their minimum FHA credit score requirements as high or higher than their competitors. FHA's own policies counteracted its mission to provide access to homeownership to less-than-perfect borrowers.

Under the new rules, Lender X might be just fine, because FHA compares its default rate to the national average for loans with credit scores below 640.
Under the old rules, Lender X might be in trouble. His "compare ratio" is 300% – double the acceptable level. At this point, Lender X raises its minimum FHA credit score to 680.
Most lenders require a score of at least 620-640. But that number could drop closer to FHA's published minimums because of the new policy. 

Despite when lenders adopt FHA's new policy, there is strong reason to believe that they will. Thousands of renters who have been locked out of homeownership due to an imperfect credit history could finally qualify. 

In theory, an FHA lender could be shut down because the FHA lender across the street raised its minimum credit score requirement from 640 to 680.
FHA's sole method was to compare an FHA lender with other FHA lenders in the same geographical region. This is known in the lending world as the FHA "compare ratio".
Conventional loans offered by mortgage giants Fannie Mae and Freddie Mac certainly have their place in the market. But they are not very flexible regarding certain loan criteria. FHA fills in the gaps by offering mortgage approvals to those with 

Lender Y across the street issues 100 loans to borrowers with scores above 680. Only one doesn't pay his mortgage, giving Lender Y a default rate of 1%.
A borrower applies for a loan and is approved based on FHA's guidelines. Six months later he loses his job and can no longer make his payment. FHA records that bad loan on the lender's record.
Without FHA, millions of homeowners would be stuck renting years longer than they should. Yet, there is still room for FHA to expand its capacity to serve more aspiring homeowners.
Many banks and mortgage companies had a problem with this method. If nearby lenders had tougher FHA qualification standards and therefore a better book of loans, other area lenders would look comparatively worse. 

I have a credit score of 600. My bank declined my application because of my score. I have heard there are FHA lenders that can accept a 580 credit score for an FHA Loan, but I can't find them!! HELP!!! 

Lower credit home shoppers should get multiple quotes and call around to multiple lenders. One lender might be an early adopter of new policies, while another waits to see results from everyone else. 

Too many bad loans, and FHA could revoke the lender's ability to offer FHA loans. That could put some mortgage companies out of business.
If a lender had 150% more late-paying loans than other area lenders, it was at risk of getting kicked off the list of FHA-approved lenders. 

Yes, FHA actually penalizes lenders if they approve borrowers who default months and years later, even if the loan fits perfectly within FHA's published guidelines.
Statistically, borrowers with lower credit scores default more often. That's why most lenders require a higher minimum credit score than does FHA. 

Typically there's a step-down effect across the lending landscape. One lender will slightly loosen guidelines, followed by others. If the new standards work, lenders loosen a bit more.
These are private, for-profit companies that simply approve loans based on guidelines provided by a government agency, namely the Federal Housing Administration, or FHA.
Whenever a new policy rolls out, lenders are slow to adopt it. They want to examine results when other lenders implement new guidelines.

Look Out For These 5 Residential Complexes In Greater Noida - Greater Noida is booming in the Indian realty market, with smart investors from all over the NCR looking to get in on the action. Located near east Delhi, this region has quickly become one of the most popular areas in NCR for property investment.

   
Major IT companies such as Tech Mahindra, IBM, HCL, and Dell make this region a great employment hub, further enhancing demand for residential property.
Here are a few upcoming residential complexes in the region that you should get to know.

Unitech Verve

Spread over an 8.13-acre piece of land with 80% open space, this property offers a modern lifestyle among lush greenery. It has 6 towers with 363 apartments, and amenities that include a tennis court, a swimming pool, and a children’s play area. The project offers you 2 and 3 BHK units that range from 1588 to 1785 sq. ft. in area, which makes them quite spacious.

Amrapali Terrace Homes

This property is spread over 70 acres, with 6 blocks offering 2, 3, and 4 BHK apartments. Open space makes up 75% of the total property, which is strategically located near the Yamuna Expressway and the Noida-Greater Noida highway. Amrapali Terrace Homes gives you the standard set of amenities, in addition to unique play areas built for various sports. This property is located near the famous MS Dhoni Sports Academy, which makes it a natural choice if you’re a cricket lover.

5 Residential Complexes In Greater Noida

Supertech Oxford Square

This luxurious project is replete with great features such as terrace gardens, and you can choose from a selection of 2, 3, and 4 BHK apartments. The project also offers other amenities such as state-of-the-art security, extensive internal roads, gated community-style living, and a shopping complex.

Gulshan Bellina

This property is located among verdant surroundings that give it great aesthetic appeal. With the smooth connectivity afforded by its location on the Noida-Greater Noida Expressway, your commute will be breeze. At Gulshan Bellina, you get the best of both worlds: the serenity of a beautiful natural setting as well as a posh metropolitan ambience. You get to choose from 2 and 3 BHK apartments that come in convenient sizes and prices.

Parsvnath Palacia

Located far away from the crowds and noise of the NCR and yet close enough to leading commercial centers, this property is one of a kind. You can pick from a number of in-demand 2 BHK apartments. Known its modern amenities, Parsvnath Palacia allows you to balance your family and work life.



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