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A VA-guaranteed loan is a loan made by private lenders (such as banks, savings & loans, or mortgage companies) to eligible veterans, to purchase a home or condominium. With your VA loan there is no down payment needed, but certain funding fees and closing cost apply but in many cases you can negotiate these fee's with the seller.

A fixed rate mortgage is the loan that most people think of when considering a mortgage. The interest rate never changes, and the monthly payment will remain the same over the life of a loan. Fixed rate loans are usually for 15 or 30 years. In order to obtain a VA home loan, you must first fill out VA Form 26-1880, the request for your Certificate of Eligibility. This certificate is issued only through the Veterans Administration, and is the first step towards applying for your loan. The loan application process involves six important steps: finding a VA approved lender, pre-qualifying for a loan, selecting your home, drawing up the purchase contract, getting the property appraised by the VA, and finalizing the loan.  This is where my expertise will guide you though the process to find what is best for your needs.

Finding a VA approved lender, pre-qualifying for a loan will be the first steps and will need to be done before going to look at the current homes on the market. Alhought you may start to consider locations, school zones and and size requirements that you may have.