VA Loan Program – Over 30 million have answered the call to serve this great nation.  1 in 8 American males are veterans.  The Veterans Affairs (VA) home loan program was designed to help veterans purchase homes with favorable terms and interest rates.

  

As a United States Army Veteran, Ed Heiser, with The Heiser Team at AmeriFirst Financial, is an Expert in VA Home Loans. When applying for a VA home loan, Ed & Barbara Heiser understand first hand the needs of fellow Veterans. With years of experience in helping fellow veterans purchase their home with their VA home loan benefits, you can be assured your in good hands with Ed Heiser and the Heiser Team.

 WHO IS QUALIFIED

  1. Active duty personnel
  2. Honorably discharged personnel “Veterans”
  3. Personnel with previous qualifying active military service
  4. Reservists, National Guard, and Coast Guard who meet minimum enlistment requirements
  5. Unmarried, surviving spouse of military personnel who were missing or killed in combat
  6. ROTC, cadets/midshipmen in Army, Navy, Air Force, and Coast Guard academy

 * A qualifying veteran will be required to provide a Certificate of Eligibility AND their  

     DD-214, NG Form 22, or Statement of Service.

 WHY CHOOSE TO USE YOUR VA LOAN

  1. 0% down payment – 100% financing
  2. The loan amount can be up $417,000 in Arizona
  3. Gift money (money from other sources like parents) is allowed for closing costs
  4. No monthly Mortgage Insurance
  5. No prepayment fees
  6. VA Funding fee, if any, can be financed into the loan

 VA loans are not just for first time home buyers.  Also, the home must be owner occupied.  If you are purchasing a 2-4 unit under the VA, the veteran must occupy 1 of the units.

 VA LOAN OPTIONS

  1. 15 and 30 year fixed rate loans
  2. 3/1, 5/1 Adjustable Rate Mortgages (ARM)

 To understand the above terms please read my post on FHA loans by visiting this link.

 ELIGIBILE PROPERTY TYPES

  1. Single Family Residences (SFR)
  2. 2-4 unit properties

CONCLUSION

I have a deep respect for the men and women who have sacrificed their time and talents to protect and guaranty the rights we all enjoy as citizens.  So many give so much for us and I am proud of this program that at least in a small way says ‘thank you’ to those who are or have served.  If you are a veteran and looking for a home to purchase, I would find it a great honor to assist you.

 Remember to remind your REALTOR that YOU are eligible and call me Ed Heiser (480) 830-8030.  You’ve EARNED it by proudly serving our great country.

Ed and Barbara Heiser/ The Heiser Team 480-830-8030 Office