Category Archive: VA Loans

Jan 02

FISCAL CLIFF 2013 CLOSED: Short Sales, Mortgage Insurance Tax Deductions Survive…

2013

Tweet …At Least for 2013, if you are selling your home short of what you owe (Short Sale) or having a portion of your loan forgiven through reduction in interest rate or principle reduction (Loan Modification) – it won’t be taxed as income (which would have been the case for any transactions closed after 12/31/2012). …

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Dec 13

Changes to VA In 2013?

Tweet Are you a Veteran, Active Duty Military, or a surviving spouse of a deceased military veteran (not remarried)? Do you receive disability income from the VA for a service-related injury? These are questions your Lender should ask when applying for a home loan – because they could impact your ability to obtain 100% financing …

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Aug 22

More Than One Way To Skin A Cat?

Tweet I get this question all the time: “I’ve already tried to get preapproved, but other loan officers aren’t calling me back. I’d like to know either way whether I qualify to buy (or refinance) or not. My realtor (or friend, family member) says I should talk to you. Will you help me?” My response …

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May 11

The Big 3 Govie Loans: Comparing VA to FHA and USDA

Tweet This post is in response to a lot of recent questions I have had from my Active Duty U.S. Military and Veteran clients. It might be a little dry for some, except for you to whom it applies (I hope), as well as to all my Realtor friends who subscribe to my blog. I …

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Feb 24

VIDEO: Two Great Zero Down Options for Homebuyers in Washington State

Tom USDA

Tweet Know someone who is looking for a home, but lacks a down payment? I have a couple of great answers worth having a conversation about. Feel free to subscribe, comment, and share! Thank you for subscribing to my blog. I hope it benefits you. Please be sure to leave a comment or question below- …

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Jan 13

Why are rates going up next month, and why should you care?

Tweet DISCLAIMER – Boring “mortgagese” below. I’ll cut to the chase and tell you first why you might care about what I am about to share with you: If you or someone you care about is contemplating a new mortgage in the coming days, and are waiting for a reduction in rates – keep in …

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Nov 10

Share Your Photos in Honor of Veterans Day!

Tweet Post a photo or video of you or a loved one on my Facebook page to be featured on Veterans Day. Friday, Nov 11, 2011 is Veterans Day, the date every year when America honors and recognizes the sacrifices of the men and women who serve and have served our country. If you or …

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Oct 04

Changes to VA Funding Fee On Hold For Now

Tweet Hello everyone! As announced by the Veteran’s Administration (VA) in September (and as referenced in my last post), the VA Funding Fee was to decrease substantially on 10-1-11. As of today – Public Law 112-026 (Restoring GI Bill Fairness Act of 2011) has NOT been signed by the President. We have spoken with the VA, and they …

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Sep 16

VA Funding Fee Changes Effective October 1, 2011

VA Funding Fee Changes

Tweet Changes to VA Funding Fee! Per current United States Code and recently passed Public Law 112-026 (Restoring GI Bill Fairness Act of 2011), VA Funding Fees are set to decrease for VA transactions funded after September 30, 2011. Unless Congress passes further legislation, VA Funding fees are updated as indicated the chart below: If …

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Sep 08

Renters & Thinkers…

Was it worth Waiting?

Tweet Don’t think too long…it’s still not too late to get in while the buying is still great. Take a look at these figures below that were just posted by the National Association of Realtors (NAR) – then contact me if you would like to discuss pre-approval, budgeting, and whether buying a home makes sense …

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