Sacramento VA Loan

VA loans have many benefits over traditional loans. Such as

ZERO down payment -  The VA loan is one of the FEW loan programs where you can buy a home with 100% financing.  Call me so I can explain how this method works.  Or CLICK HERE to be start the loan process.
Zero Down Payment – Most banks require big down payments, but with a VA loan you can get into a home with 100% financing.
NO mortgage insurance – Loans where the down payment is less than 20% require some type of mortgage insurance (a higher interest rate, or paying a lump sum upfront). With a VA loan, there is no mortgage insurance.
Lower closing costs – as a Veteran, there are certain costs you are exempt from and the lender or seller must cover them.   This keeps your costs lower. However, there is a misunderstanding on the part of the seller & listing agent who oftentimes believes THEY have to pay additional costs.  This is NOT true, but this misconception results in many sellers rejecting the VA offer and your lender needs to call the listing agent to clear this up.  
Golden State Finance Authority (GSFA) Down Payment Assistance Program – This  down payment assistance program offers a grant (up to 5% of the purchase price) that can be used towards closing costs! It has income limits (based on County) and if you qualify, chances are I can get you into a home with little to no money out of your pocket.
Easier Qualifications – Because the loan is backed by the government, some of the guidelines are less stringent making these loans easier to qualify for.  And because we are "VA delegated" and are a DIRECT LENDER to Ginnie Mae, we have no (or few) overlays. 

 CLICK HERE to apply.


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