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Manage digital channels, create custom promotional items, coordinate events and book media placements in your community with our marketing team. Connect borrowers with consultants from our exclusive Homebuyer Concierge service for help setting up utilities, booking movers and even finding restaurants in their area.
Talk with your loan team if you have any questions or need an additional explanation about an underwriting request. The VA loan process jump-starts once you're under contract. Your loan team sends your contract and documentation to loan processors and underwriters who set out to verify the loan and the home work for the borrower, lender and the VA.
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Buyers will need the home to appraise for at least what they've offered to pay for it. If an appraisal falls short, the buyer and seller will need to renegotiate the purchase price or end the transaction. Every VA contract features added protection for the Veteran's earnest money regarding the VA appraisal.
You may also have a final walkthrough of the property. A final walkthrough allows you to verify any repairs, request removal for items you didn't want to stay behind and more. Contact your real estate agent and lender if there are any problems as soon as possible. The appraiser will look at recent comparable home sales when evaluating the home's fair market value.
Enhance Lives Every Day
Our loan officer was always available and responsive to any questions. No matter the time of day or night she always kept us informed of our progress. I definitely recommend them to any veteran that is looking for a good reliable company to help with home buying.
Finding a real estate agent who truly knows VA loans is critical. These are more specialized home loan options, and some properties can be a better fit for VA loans than others. Plus, VA loans also offer big-time advantages when it comes to things like closing costs, and veteran-friendly agents can help buyers get the most from their benefits. VA buyers will receive a Closing Disclosure shortly before their scheduled loan closing. This document allows buyers to compare their final closing costs and loan information to estimates they received earlier in the process.
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He has been a licensed Mortgage Loan Originator and VA Loan Specialist since 2004 and opened the Austin branch of Veterans United Home Loans in January 2014. He is passionate about working with fellow veterans and teaching VA classes to Realtors to spread the good news about military home loan benefits. Chad and his wife are challenged daily by the wonderful blessing of having three young boys. Your loan team will likely have questions and requests for additional information while the appraisal process unfolds. The faster you get back to your lender with answers and information, the smoother this stage tends to go.
Texas Vet Loans – Below market interest rates, especially for disabled veterans, for home purchase only. I’ll never forget the first time a Veteran purchaser broke down at the closing table, crying because they were so overjoyed. They thanked me and Veterans United for making their dreams come true. In 2020, our complimentary credit consulting team helped over 1,720 people move forward with home purchases after being initially declined. The Veterans United branch network serves Veterans and military families in the communities they call home. AMAZING, PROFESSIONAL, CARING service.Veterans United rocks!
Document requests can differ depending on the nature of your income, your military service history and more. This process typically results in a stronger financial future, using arguably the most powerful mortgage product on the market. FHA Purchase Loans – Small down payment option with mortgage insurance on primary residences.
Your loan officer and a trusted real estate agent can help you craft a strong offer. Additional documents typically include W-2s, recent pay stubs and bank statements. This step of the VA loan process can take minutes to hours, depending on your lender's documentation requirements.
Preapproval also adds weight to any offer you place on a home. In today's real estate environment, home sellers expect to see offers from preapproved buyers. Some sellers might not even consider your offer without a copy of your preapproval letter. Chad proudly served four years on active duty in the Marine Corps infantry before graduating with honors from McCombs School of Business at the University of Texas at Austin.
Talk with your loan officer if you have questions about documentation needs. The faster you get this paperwork back to the lender, the quicker they can move to verify the information and finalize your loan preapproval. During preapproval, your lender will look at your credit, finances, employment situation, service history and more. Lenders validate your service history with the Certificate of Eligibility .
Marcella started in the mortgage industry over 15 years ago in her native Southern California. Her family relocated to Austin in 2012 and she joined our Veterans United team in April 2015. She is married to a Marine Veteran who is actively involved with Honor Flight Austin. She brings years of mortgage experience and a lifetime of positivity to our Austin team.
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