Michael Fleming

As a mortgage lender that specializes in VA home loans, VLG understands the importance of supporting our military and their families. That’s why we’re proud to recognize Military Appreciation Month, an annual observance that takes place during the month of May in the United States. What is Military Appreciation Month? Military Appreciation Month is a

The most common question we get at VLG is this: can I buy land AND build a home using my VA Home Loan Benefit? The answer is YES, you can! This is called the VA One-Time Close Construction Loan (VA OTC). How this works is first you find the land, and then you find a

Celebrating National Medal of Honor Day with Leroy A. Petry In recognition of National Medal of Honor (MOH) Day, VLG proudly hosts special guest Leroy A. Petry. In 2011, Leroy Petry received the Medal of Honor for saving the lives of two Rangers in 2008 during his deployment in Afghanistan. Petry was part of the

First things first: the VA Loan itself does not have any credit score requirements. If you’ve been told by a bank or lender that your credit score is too low to qualify for a VA Home Loan, it’s essential to know that this is not a requirement from the VA. Instead, it’s a lender overlay.

Want to breeze through the process of finding the best VA Realtor for your situation? Get started by following our 4 steps below!  NARROWING THE VA REALTOR FIELD  1. THE NAME GAME Ask for referrals from people you trust like your friends and family. In order to get the full picture, make sure you ask

Feeling overwhelmed by the homebuying process? Relax. We’ve got you covered! We get it. Investing in your first home is a big deal. The journey to “keys-in-hand” shouldn’t be. That’s where VLG steps in. Team VLG stands united in efforts to help our nation’s Veterans achieve the American Dream of homeownership with our Homebuying 101

Whether buying a new home or refinancing your existing home, the loan process is vitally important. Beyond all the paperwork, there are many factors that lenders will consider that may affect your approval. Follow VLG’s guidance below. The Do’s of The Loan Process DO COMPLETE YOUR APPLICATION THOROUGHLY The process will go faster if the

The 3-2-1 Buydown lets a homebuyer temporarily lower their interest rate over a 3-year period. This will reduce the interest rate by 3% for the first year. 2% in the second year. And 1% for the third year. After the third year, the rate goes back to normal. This way a homebuyer can slowly adjust

The home-buying process is full of acronyms! When a loan is fully approved it is Cleared to Close or CTC. This is a celebration because your loan is ready for final closing documents to be sent to Escrow. What Does Closing Day Look Like? Once you sign all loan documents, you scan and email them