Will Pinnick President
of Home Loans By U, Inc.
Thank you for the opportunity to
to earn your business and we look
forward to becoming your family's
trusted Home Loan experts.
VA loans are designed to offer long-term financing to American Veterans. VA loans are issued by federally qualified lenders and are guaranteed by the U.S. Department of Veterans Affairs. Service persons and veterans can qualify for a VA loan, which usually offers a competitive fixed interest rate, no down payment and limited closing cost. While the VA does not issue the loans, it does issue a certificate of eligibility required to apply for a VA loan.
How it works:
100% financing without private mortgage insurance or 20% second mortgage
A VA funding fee of 0 to 3.3% (this fee may be financed) of the loan amount is paid to the VA
When purchasing a home, veterans may borrow up to 100% of the sales price or reasonable value of the home whichever is less
When refinancing a home, veterans may borrow up to 90% of reasonable value in order to refinance where state law allows
NMLS ID: 398557
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