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Kingsland Saint Marys & Kings Bay Real Estate - VA
Mortgage Information For Home Buyers
A VA guaranteed mortgage is the usually the best way for
active or inactive veterans to purchase a home. The VA mortgage
allows the buyer to purchase a home with absolutely no out of
pocket expenses!
There are closing costs associated with the purchase of a
home. These costs can be paid by the seller of the property on
the buyers behalf. However, these costs must be included into the
sales price of the home.
When negotiating to purchase a home, explain to your sales
agent that you wish for the seller to pay your closing costs as
part of the deal. Costs that you wish the seller to pay are costs
such as lender fees,attorney fees, state and local taxes, etc. Be
sure to get a Good Faith Estimate from your lender, so you will
know the exact amount of the costs associated with your VA
loan.
VA loans have no monthly private mortgage insurance like most
conventional loans, so in most cases your monthly payment will be
much less. VA loans have VA funding fees that are charged
up-front and included into your loan amount. The funding fee is
2.15% of the loan amount for a first time VA user and 3.00% for
second and subsequent use.
VA interest rates will vary from lender to lender, so shop
around to see who is offering the best deals. Be careful though,
as some lenders will offer you a low rate, but charge discount
points to increase their profitability.
If you have questions, comments or would like to apply for a
VA guaranteed loan. Apply online at www.thebestmortgageguy.com
Glenn Keller is an associate with Affordable Home Funding at
1204 Hospitality Ave. Kingsland, Georgia 31548 He specializes in
VA, FHA and Conventional mortgage lending. Apply online or get
contact information by visiting our website at http://www.thebestmortgageguy.com
 MORE RESOURCES updated Fri. September / 03 / 2010
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