Are you an active duty service member in our armed forces, veteran, or surviving spouse? If so, you could qualify for a VA home loan, which is a wonderful opportunity to move into the home of your dreams in California on very reasonable terms. While California’s cost of living can be very high, you are in an excellent position to take advantage of all this amazing city has to offer without getting buried under exorbitant housing costs.
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Benefits of VA Loans:
- No down payment! This is one of the most incredible benefits of a VA loan. Even if you don’t have a dime to put down in advance, you can still buy a home.
- Fast approval. These loans are often approved more quickly than others.
- You are not required to purchase Private Mortgage Insurance (PMI). That is one less monthly cost to worry about.
- Low APRs on fixed rate loans. Home buyers are often tempted into adjustable rate mortgages because of the low initial rates. Finding a fixed rate home loan at a low APR can be quite challenging. If you qualify for a VA loan, though, you will be amazed at how low your rates can be! Oftentimes, these rates are negotiable.
- Low closing costs. Sometimes the closing costs for VA loans are actually lower than other types of financing. So you save money at both the beginning and end of the process.
- You can prepay without penalties. Pay off your loan early if you want, without worrying about fees. This is an excellent way to save money.
- When a home is sold, the buyer can assume the mortgage.
- Fast, Low Cost VA IRRRL Refinancing. Save on refinancing your VA mortgage with a VA IRRRL Loan.
On top of all that, we also offer counseling and assistance programs for veterans who are having a hard time affording even a VA loan, or who are in danger of defaulting on their existing loans. So if you are looking for mortgage assistance, we can help you out.
If you are ready to apply for a VA loan today, or you simply have some questions you would like to ask, we are standing by to help you! You can call us at (408) 599-3628, or email us at [email protected]. We provide free instant quotes, and are here to walk you through every step of the loan application and approval process. We will find you the best VA home loan rates in San Jose. You will be living in your dream home sooner than you think!