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VA loans

VA mortgage loans can be made without any downpayment at all for a VA Purchase, and frequently offer lower interest rates than other kind of mortgage. Aside from the Veteran’s certificate of eligibility, and the VA assigned appraisal, the application process is not much different than other type of mortgage. If the VA mortgage lender is approved for automatic processing, as more and more mortgage lenders are now today, a buyer’s loan can be processed, and closed by the VA mortgage lender without waiting for VA’s approval of the credit application. The more you know about our VA loan programs, the more you will realize how little “red tape” there really is in getting a VA home loan.

Additionally, if the VA mortgage lender is approved under VA’s ‘Lender Appraisal Processing Program’ (LAPP), the mortgage lender may review the appraisal completed by a VA assigned appraiser, and close the mortgage loan on the basis of that review. The LAPP process can further speed the time to the mortgage loan closing.

VA Streamline mortgage is another VA product that can be beneficial to a current VA mortgage holder. This product is also known as the IRRRL Mortgage. You can only use this product if your current loan is a VA loan. Otherwise, your loan will be considered a VA Cashout refinance. A VA cashout refinance can go up to 100% of the loan to value.