Everything you need to know about a VA Mortgage In Spring Hill Florida

February 21, 2019February 21, 2019

VA Benefits and Mortgage Info

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May 4, 2017May 4, 2017

VA Mortgage Experts In Spring Hill FL, Tampa Florida

April 26, 2017November 15, 2018

Who is Eligible For A VA Loan? VA Eligibility Quick Reference

March 21, 2017March 21, 2017

Why Use A VA Mortgage To Purchase Your Home in Spring Hill FL?

We Are Your Number One Choice For VA Mortgage Loans In Hernando County Florida

VA Loans–

VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.

Other benefits of a VA loan include:

Negotiable interest rates.
Closing costs are comparable and sometimes lower – than other financing types. The VA limits what Veterans can be charged in origination fees and other fees
No private mortgage insurance requirement.
Right to prepay loan without penalties
The Mortgage can be taken over (or assumed) by the buyer when a home is sold.
Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.

Although mortgage insurance is not required, the VA charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee the may be paid in cash by the buyer or seller, however generally it is financed in the loan amount.

VA loans can be used to buy a home, build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.

Veterans can apply for a VA Mortgage with any VA mortgage lender that participates in the VA home loan program. A Certificate of Eligibility from the VA must be presented to the lender to qualify for the loan. A lender can obtain the certificate for you but you should be ready to provide your DD214 Discharge.

We are located in Hernando County in Spring Hill Florida, we are only a short distance to Tampa making it the perfect place to call home. We have been servicing the Tampa Bay real estate community for many years, and bring you over 21 years of combined knowledge and experience. You won’t find a friendlier more knowledgeable staff of professionals anywhere. Our Loan Officers are experts in helping veterans and are graduates of Military Mortgage Bootcamp which makes them the ultimate experts in VA Mortgages.

Our team will assist you with every aspect of your real estate transaction, from getting appraisals to title insurance, to pest inspections, all the way through underwriting and closing.

At E Loans Mortgage we do 90 percent of the “leg work” for you, making sure that your transaction is smooth, inexpensive, fun, and easy! Call us today to see what we can do for you! Mortgage Financing In Hernando County has never been easier. We are your best choice for a Mortgage Lender in Spring Hill Florida or the surrounding Tampa Bay Area.

February 21, 2017March 9, 2017

Reasons Why A Home Seller Should Always Consider A Veterans Purchase Offer

There’s many myths about VA Mortgages and Veteran buyers that we need to dispell out there. Veteran home buyers are some the best borrowers out there and historically VA Mortgages perform better than just about any other home loan out there. I hear to often that a VA buyer’s offer is being rejected due to unsubstantiated fears regarding VA appraisals, and other factors, sadly most of these fears are born in myth from years ago and are simply not true today.

If you are listing a home, or selling a home please take a few minutes to watch the video below to learn more about VA loans and why you should strongly consider a Veteran Home buyer who is using his VA benefit to purchase a home.

VA Benefits and Mortgage Info

Fill out my Wufoo form!

VA Mortgage Experts In Spring Hill FL, Tampa Florida

It’s always an honor to close a deal for a Veteran, I personally want to take a moment to thank

Who is Eligible For A VA Loan? VA Eligibility Quick Reference

Wondering Exactly who is eligible for a VA mortgage? How many years of service do you need before you are

Why Use A VA Mortgage To Purchase Your Home in Spring Hill FL?

We Are Your Number One Choice For VA Mortgage Loans In Hernando County Florida VA Loans– VA guaranteed loans

Reasons Why A Home Seller Should Always Consider A Veterans Purchase Offer

There’s many myths about VA Mortgages and Veteran buyers that we need to dispell out there. Veteran home buyers are

Can A Non Married Co Signer Go On A VA Mortgage?

This question comes up pretty often, A Veteran is seeking to purchase a home with a VA Mortgage and wants

February 21, 2017March 9, 2017

Can A Non Married Co Signer Go On A VA Mortgage?

This question comes up pretty often, A Veteran is seeking to purchase a home with a VA Mortgage and wants to add his girlfriend to the loan or vise versa. Maybe they are engaged and not married yet, sometimes the plans for the wedding are for a date that will come after the purchase of the first home. More often than not we hear lenders telling a Veteran that it is not possible to add a non married non veteran co-borrower to a VA Mortgage and that they must get married in order for them to both be on the loan. That is actually false, but there are a few caviats.