Why should I use a VA loan to purchase a home?

NO Downpayment - 100% financing 

For loans up to $546,250. Loans greater than that will require a down payment equal to 25% of the difference between the purchase price and $546,250.

LOWER Interest Rates

Lenders face less risk on a VA loan since the loan is government backed and, in general, veterans usually have a lower default rate that traditional borrowers.Therefore, this typically results in rates that are 0.25% than other loans. 

Flexible Credit Standards

In general,  the minimum acceptable FICO score for a VA loan is 620, but each lender has the ability to set its own minimum and requirements for the borrower.

Pay off Existing Debt

Seller may credit buyer with up to 4% of purchase price to pay off existing debt!

NO Mortgage Insurance Premiums

All other loan programs in which a borrower puts less than 20% down will require private mortgage insurance(PMI) of some sort. This is not the case with the VA and makes it a huge benefit!

Use BAH to accumulate equity in a home and INCREASE net worth

Instead of using your BAH to rent a home and put the money directly into a landlord's pocket, why not purchase a home and keep it for yourself? For similar payments and limited out of pocket expenses, as a homeowner, you can accumulate equity in the home and benefit from the appreciation of the property over time. 

DOES NOT expire and IS resuable

Unlike other military benefits, it can be used over and over again. There is no time limit and no limit to the number of times the benefit can be used. 



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