Homes For Veterans
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Homes For Veterans Helping our Veterans discover the dream of homeownership in Northern California since 1981. The Homes for Veterans is a group of committed local professionals specializing in VA LOANS and VA REAL ESTATE services in the greater Sacramento area for over 35 years. Purchasing a home using the a VA loan requires experience and knowledge of the complexities of VA financing.

Let the experienced staff at the Homes For Veterans guide you through the homebuying process. Veteran homebuyers need a professional with the knowledge of all the benefits of homeowners to Veterans and the resources to help them achieve the dream of homeownership. Are you looking to buy a house? Let us help you. Just fill out as much of the information below that you want and we'll get right back to you, with no obligation to you.

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Highlights

read more › Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money. In turn, those mortgage lenders are bound by federal law to keep your information secure. Here is a list of the information mortgage lenders will use to consider your loan application. Two years tax returns, profit and loss statements, both company and personal if separate.

read more › You have done the hard part in the home buying process and chosen a lender and a real estate agent to work with. You have also gone out and found the home of your dreams! Best of all, your team has done a great job of negotiating the best deal for you. Getting a home loan these days is a very interactive process. I am always amazed by how many clients I work with who come to me unaware of all the pitfalls they face during the loan process. Do keep the process moving by responding to your loan officers' requests for documentation as soon as possible.

read more › Are you pre-qualified or pre-approved for a loan? Before you begin to shop for a new home, you should set up a time to meet with me so we can figure out how much you can afford. This will put you in a better position as a buyer. That's when it is important to understand the distinction between being pre-qualified for a loan and pre-approved for a loan. The difference between the two terms will be crucial when you decide to make an offer on a house. To get pre-qualified for a loan, I will collect information about your debt, income, and assets.

read more › The information in your credit report has a huge impact on whether or not you qualify for a mortgage loan and what interest rate a lender will offer. Therefore, it's important your credit report reflects a positive image of the way you manage your money. If you're getting ready to buy a home, checking your credit report is the best way to ensure you get the loan and interest rate you deserve. That's because the three agencies are independent of each other and the information may differ on all three reports.

read more › There are no black and white answers to these questions. Its a matter of give and take. If you plan on a 30 year mortgage, you can probably make a lower down payment (or perhaps no down payment at all) and still manage the monthly payments. If, on the other hand, you plan on a 15 year mortgage, you'll probably want to make a larger down payment to keep your monthly payments in line with what you can afford. Many buyers look at their cash on hand as their only source for their down payment. This simply is not the case.

read more › In today's increasingly automated society, it should come as no surprise that when you apply for a mortgage, your ability to pay can be reduced to a single number. All the years you've been paying your mortgage, car payments, and credit card bills can be analyzed, sliced, diced, spindled and mutilated into a single indicator of whether you're likely to meet your future obligations. All three of the major credit reporting agencies (Equifax, Experian and TransUnion) use a slightly different system to arrive at a score.

read more › Your credit report is a record of your credit activities. It lists all of your credit card accounts and loans, the balances as well as your payment history. It also shows if any action has been taken against you because of unpaid bills such as a lawsuit or bankruptcy filing. Because businesses use this information to evaluate your applications for credit, insurance and employment, it's important that the information in your report is complete and accurate, especially if you plan to make a big purchase like a home.

read more › Credit report errors occur for a number of reasons but they can all have a negative impact on your eligibility for any future credit. It's important to stay on top of your credit report to avoid any mistakes made by the creditors and credit bureaus -Equifax, Experian and TransUnion. Someone made a clerical error in entering or reading information (names, social security numbers, addresses, etc.) from a handwritten application. Mix ups with common names. For example, there is likely more than one John Smith living in New York City and often there is the chance that information intended for one John Smith might appear on another John Smith's credit report as he applies for a mortgage.

read more › It's virtually impossible to change your score in the time between when most people decide to buy a home or refinance their mortgage and when they apply. So the short answer is, you really can't "on the spot." But there are strategies you can live with to make sure when you apply for a loan your score is as high as possible. Make sure that the information each of the three credit reporting bureaus has on you is consistent and up to date. Order a copy of your credit report about once a year, and dispute any inaccuracies.

read more › Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens. Want to know if a home is still on the market, or if the price has changed? We can help. Simply fill out the information below and with no obligation to you we'll get back to you with your requested information. We guarantee your privacy. By checking the box, you agree that Homes For Veterans may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.

read more › This calculator will help you to compare the costs of renting to the costs of buying a home. Since there are all kinds of forces at work behind the scenes (interest, property taxes, tax savings, appreciation, opportunity costs, closing costs, selling costs, etc.), comparing the cost of renting to the cost of buying is a lot more complicated than just comparing the monthly mortgage payment to the monthly rent payment. This calculator attempts to forecast the net effects of all the hidden forces so you can make an informed decision.

read more › This calculator will compute a mortgage's monthly payment amount based on the principal amount borrowed, the length of the loan and the annual interest rate. This calculator will also compute your total mortgage payment which will include your property tax, property insurance and PMI payments. This calculator and others on this site are provided without warranty regarding their accuracy or applicability to your individual circumstance. They are for your personal use and are not intended to replace professional financial advice.

read more › Compare Rates - See how changes in your rate affect your payment for a given principal and term. Balloon Payment - A balloon mortgage can reduce your monthly payments but may require refinancing at the end of the term. Interest Only - Compare monthly payment amounts for an interest-only mortgage and a principal-interest mortgage. Adjustable Rate Mortgages - Determine monthly payments and the effective interest rate (APR) for an ARM. Mortgage Qualifier - Find out if you qualify for a given mortgage and just much you can afford, then create an amortization schedule.

read more › When you decide to buy a home or refinance a mortgage in Sacramento or the surrounding areas, your search for a home loan or mortgage should start and end here. With so many lenders to choose from in the greater Sacramento area, and nationally, you need to choose one you can trust to find the mortgage loan that's best for you. Sure, there are dozens of big bank mortgage lenders nationally, but you need a lender in Sacramento. Why? Because we know Sacramento and the surrounding areas of Sacramento, Yolo, Solano, San Joaquin, Amador, El Dorado, Placer, and Sutter counties.

read more › Buying a home is an exciting time in one's life. Making the smart move of choosing a REALTOR(R) is your first step to ensuring that your new home and community meets your needs. Our services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, we also provide listings by email. We pride ourselves on repeat business and hope you'll come to understand why. Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.

read more › Selling your home shouldn't be a stressful ordeal. Making the smart move of choosing a REALTOR(R) is your first step to ensuring that your investment in your home pays off. Our services and experience allow you to focus on your move while We manage your home sale from our initial consultation to the closing deal, and beyond. We pride ourselves on repeat business and hope you'll come to understand why. Complete a comparative market analysis that will compare your home's value to that of your neighbors.

read more › One of the advantages of owning your own home is that the home mortgage interest and real estate taxes paid can be deducted from your federal income tax*. For your home mortgage interest to be deductible, it must be for a first or second mortgage, a home improvement loan or a home equity loan. The amount you can deduct can be limited if your mortgage balance is more than $1 million ($500,000 if married filing separately) or the mortgage was taken out for reasons other than to buy, build or improve your home.

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