You may be eligible for VA home loans up to $417,000* with zero down, as the Veterans Administration is providing loan guarantees to reservists and guardsmen if you meet ANY of the following conditions:

• You have completed six years in any U.S. reserve component, since 1944
• You have served 90 days in a "War Zone", such as Somalia, Haiti, Grenada, Persian Gulf, Bosnia, Agfhanistan, Iraq, etc.
• You have served 181 days of continuous active duty.
• If you were disabled before completing your six year obligation.
• You were discharged at the convenience of the U.S. government, such as in a reduction in force, before completing your six year obligation.
• If you meet any of the above conditions, you should immediately contact us or your mortgage lender to obtain a VA certificate of eligibility from the Veterans Administration. A VA lender can determine the amount that you would qualify for. There is no cost for these services.
  
  ADVANTAGES OF OBTAINING A VA HOME LOAN
• VA loans require no downpayment up to $417,000, and many lenders only require 25% down on the amount over $417,000 to reach higher priced homes.
• The seller or builder can pay all of the veterans's/reservist's closing costs and pre-paids, making it possible to buy homes with zero out pocket expenses. The veteran may also choose to finance the closing costs and pre-paids by agreeing to pay the lender a higher interest rate.
• VA provides very liberal guidelines, including no minimum credit score requirements. Some lenders do require minimum credit scores on their VA loans through their automatic underwriting systems.
• Va loans can be assumed by veterans or non-veterans at the original interest rate to include investors and owner-occupants. This makes VA loans/homes easier to sell than FHA or conventional loans.
• VA home loan benefits may be used over and over, there is no limit to how many times the vet can purchase using their home loan benefits.
• VA loans may be refinanced without an appraisal or re-qualification, if the refinance results in lower payments than the Vet previuosly qualified for.
• Veteran's widows (who have not re-married) are eligible for VA loans, if the veteran died while in the service or of a service-connected death after release from the service. This benefit is extended to reservists, as well as regular veterans.

If you have more questions, please do not hesitate to Email me or contact me at 713-589-3234 for more information.

As a By Referral Only®, and Certified Negotiator Expert (C.N.E.), Certified Distressed Property Expert (C.D.P.E.), REALTOR® , I am committed to providing such extraordinary service and expertise that you will gladly refer your friends, family and acquaintances. With your help I am able to build strong business relationships one person at a time.