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You might also be interested in:. Your lender must give you a Closing Disclosure at least 3 business days before closing. Be sure to read it carefully. It includes loan terms, fees, closing costs, and your estimated monthly mortgage payments.
Your lender may also ask you to provide more information or documents at this time. Be prepared to sign a lot of documents—and be sure to take the time to read everything before you sign. Call us at to find the nearest VA regional loan center. You can also use the resources below to learn more about the VA home loan program and the home-buying process. Housing assistance. VA-backed home loans. In this section. Get step-by-step instructions for buying a home through the VA home loan program.
Helps eligible Native American veterans buy, build, improve or refinance a home on federal trust land. No down payment or mortgage insurance required: Other loan types require down payments and can include an extra cost for mortgage insurance. Limited closing costs: Closing costs are the various fees and expenses you pay to get a mortgage. VA loan: Which one is right for you? Every type of loan has drawbacks for some borrowers.
Here are potential disadvantages of a VA loan. VA loan funding fee : Although VA loans don't require mortgage insurance, they come with an extra cost called a funding fee. The fee is set by the federal government and covers the cost of foreclosing if a borrower defaults. The fee ranges from 1. You can pay the fee upfront or fold it into the loan.
Purchase loans only for primary homes: You can't use a VA loan to buy an investment property or a vacation home. Not all properties eligible: A VA-approved appraiser will evaluate the home you want to buy to estimate the value and make sure it meets the VA's minimum property requirements. Some fixer-uppers may not meet the VA's minimum standards. After using a VA mortgage to purchase a home, you can get another VA loan if:. You sell the house and pay off the VA loan. You sell the house, and a qualified veteran buyer agrees to assume the VA loan.
You repay the VA loan in full and keep the house. For one time only, you can get another VA loan to purchase an additional home as your primary residence. Housing assistance. VA-backed home loans. In this section. How does a VA direct home loan work? How does a VA-backed home loan work?
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