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Your mortgage loan officer will work with you to obtain the Certificate of Eligibility and can help you better understand how VA loans work. Veterans Affairs VA loans are available to active-duty service members and veterans who have served at least 90 days of consecutive service during wartime or days during peacetime.
National Guard members and reservists are eligible for a VA loan after six years of service or days of active-duty service. Eligible surviving spouses may also qualify. For more information on how to apply for a VA home loan, contact your mortgage loan officer.
There are several ways active-duty service members, veterans and eligible surviving spouses can take advantage of a Veterans Affairs VA loan more than once. Here are some ways you may be eligible for another VA loan:. A fixed-rate loan is one of the most common types of home loans. Benefits include a consistent rate, predictable monthly principal and interest payments and a flexible down payment.
If you have good credit and a low debt-to-income ratio the ratio of total monthly debt payments — not including utilities, cell phone or cable service — compared to gross monthly income , a conventional fixed-rate loan may be a good option for you.
A fixed-rate loan is a type of loan that comes with an interest rate that won't change for the life of the loan. Connect with your mortgage loan officer to learn more about how fixed-rate loans work.
Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan, making it an attractive option for those who plan to stay in their home for several years. With an adjustable-rate mortgage ARM the interest rate may change periodically, based on a pre-determined index, for example the U.
Treasury, and margin set by the bank. The initial interest rate is fixed for a set period, typically three to 10 years depending on the loan product, and then becomes variable. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. This may be a good option for those who plan on moving within a few years. Consider the benefits of each to determine which makes the most sense for your situation.
To qualify for a jumbo mortgage loan, you must meet the established guidelines for credit score, income and other personal financial information. Jumbo loans are mortgages that exceed conforming loan limits. An adjustable-rate mortgage ARM is a home loan with an interest rate that adjusts throughout the life of the loan based on the market.
The initial set rate period is typically three to 10 years. After the introductory rate term expires, the estimated payment and rate may change. An ARM loan could be a good option if you plan to sell within a few years. With an adjustable-rate mortgage ARM loan the initial interest rate is fixed for a set period and then becomes variable, adjusting every year for the remaining life of the loan. To learn more about how ARM loans work, connect with your mortgage loan officer.
Yes, as with most any existing mortgage loans, an existing ARM loan can be refinanced upon credit approval. There are several potential benefits to refinancing a mortgage , such as changing terms, lowering monthly payments, getting access to cash for major purchases and reducing your interest rate. Your mortgage loan officer can help you find the right choice for your needs.
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Skip to main content. About me About me. Connect with David david. Ready to apply? Start your application. About me No matter where you are in the home buying process, I can help. As a mortgage loan officer right here in Encinitas, I work with you to help you find the right mortgage for your unique situation. You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people in and around Carlsbad with home financing needs similar to yours.
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