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If you are a veteran, you are entitled to receive a veteran loan. There are many benefits of a V.A. loan compared to a conventional loan. Please see below:



Low 30 or 15 year fixed rate

Mortgage insurance financed in loan

Seller must pay part of the buyer's closing costs

Higher debt ratios allowed

Some credit problems ok


The VA restricts some costs that the veterans can pay. Please see below for the fees the seller must pay for the veteren.

Escrow Fee

Termite report and work for clearance (or other reports required by the appraisal, i.e. health authority for water/sewer)

Administrative Fee

Tax Service Fee

Wire Transfer Fee

Document Preparation Fee

Other miscellaneous fees such as processing fee, etc

Notary Fee

The seller may pay any or all of the veteran's closing costs (both non-recurring and prepaid items). If the seller agrees to pay all of the veteran's closing costs, then the veteran comes in with no money.

The following are the fees the veteran may pay on a purchase or refinance:

Discount Points

Loan origination fee limited to maximum of 1%


Credit Report

Title Insurance Fee

Recording Fee

Compliance Inspections

VA Funding Fee

Interest per diem

Tax and Insurance Impounds

All of the borrower's down payment and closing costs may be a gift from a relative.

Credit History

No credit history is required. If none, the borrower must document their rent payment history and utility payment records.


Must be discharged from bankruptcy at least 2 years

Re-established credit history must be satisfactory

If bankruptcy discharge is between 2-3 years, borrower must prove bankruptcy was caused by circumstances beyond their control.

A complete copy of the bankruptcy papers are required

A veteran can purchase a home even if they do not have a lot of cash savings. Since no down payment is required and the seller is required to pay part of the buyer's closing costs, this drastically reduces the amount of cash required by the buyer.

If you are a veteran and would like more information, please E-mail me at or call 818-920-1600.

If you would like to be pre-qualified for this program at no cost, please click here.

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FHA   Refinancing   FHA Streamline Refinance  First Time Home Buyer   Credit Problem   Interest Only Loans  VA Loans

Cashout Refinances   Prequal vs. Pre-Approval   The Loan Process  Closing Costs   Fico Scoring   Loan Types Described

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