VA Loan

Serving our country is commendable and those individuals who do so should be allotted certain privileges. In turn, the government has made the home buying or refinancing process trouble-free for VA loan:

Available to active military members, veterans and qualified surviving spouses.

[icon name=”thumbs-o-up” class=”” unprefixed_class=””] No down payment (for qualified borrowers).
[icon name=”thumbs-o-up” class=”” unprefixed_class=””] No Mortgage Insurance required (for qualified borrowers).
[icon name=”thumbs-o-up” class=”” unprefixed_class=””] Low VA Loan rates, because all loans are insured by the federal government.
[icon name=”thumbs-o-up” class=”” unprefixed_class=””] Free counseling available from the VA in case of financial difficulties.
[icon name=”thumbs-o-up” class=”” unprefixed_class=””] Refinancing is easy as you can refinance up to 100% of your loans value.
[icon name=”thumbs-o-up” class=”” unprefixed_class=””] You can use your VA benefits more than once.
[icon name=”thumbs-o-up” class=”” unprefixed_class=””] With all new home purchases an “escape clause” is required as safety margin for the VA loan applicant. This clause protects the buyer from being obligated to a VA mortgage loan when the appraised value of the home doesn’t match the selling price.
[icon name=”thumbs-o-up” class=”” unprefixed_class=””] For those veterans looking at an IRRRL (Interest Rate Reduction Refinance Loan) refinance, if you have a credit score of 660 or higher an appraisal may not be required.

5280 Financial Group, Inc. can help you make the most of your VA Loan benefits. We have gone to great lengths to ensure the VA loan process is straightforward and swift. Make the most of your government benefits, and with interest rates at close to an all time low, NOW is the time to buy or refinance.

Contact 5280 Financial Group, Inc. at (303) 634-2271 or complete the online application and let our expert team guide you through the VA Loan process.

Our Mortgage Process

With every client, we strive to make this your best mortgage experience through a seamlessly easy mortgage process and exceptional customer service.

[icon name=”thumbs-o-up” class=”” unprefixed_class=””] You will be greeted by a live person when you call.
[icon name=”thumbs-o-up” class=”” unprefixed_class=””] You will be given multiple loan options when disusing your options.
[icon name=”thumbs-o-up” class=”” unprefixed_class=””] We will give you proactive updates on the status of your mortgage every Tuesday and Friday.
[icon name=”thumbs-o-up” class=”” unprefixed_class=””] Communication is BIG with us.
[icon name=”thumbs-o-up” class=”” unprefixed_class=””] Our goal is to be your Go-To-Lender. Your mortgage consultant will be there to answer any of your questions and guide you through every step of the mortgage process. Your convenience is our priority.

Information needed for a fast closing:

[icon name=”arrow-circle-right” class=”” unprefixed_class=””] Last 2 pay stubs from each job.
[icon name=”arrow-circle-right” class=”” unprefixed_class=””] If self-employed or 1099 income, we will need the last 2 years Tax Returns (all schedules).
[icon name=”arrow-circle-right” class=”” unprefixed_class=””] Last 2 months checking, savings and or investment account statements (this will be determined at the time of pre-approval).
[icon name=”arrow-circle-right” class=”” unprefixed_class=””] Homeowner’s insurance information.
[icon name=”arrow-circle-right” class=”” unprefixed_class=””] HOA information (if you have an HOA).
[icon name=”arrow-circle-right” class=”” unprefixed_class=””] Copy of divorce decree and bankruptcy papers (if applicable).
[icon name=”arrow-circle-right” class=”” unprefixed_class=””] Final purchase agreement(s) and listing sheet (if applicable).
[icon name=”arrow-circle-right” class=”” unprefixed_class=””] If self-employed ask your mortgage consultant for requirements.
[icon name=”arrow-circle-right” class=”” unprefixed_class=””] Certification of Eligibility or DD214’s (VA only).
[icon name=”arrow-circle-right” class=”” unprefixed_class=””] Address of other real estate owned.

Have Questions? You can call us or send us an email.