Video Blog Series

MYTH: YOU CAN’T FINANCE CLOSING COSTS INTO YOUR VA HOME LOAN Hey there, Kaitlin Miller with Veteran’s Lending Group! Today I wanted to share some helpful information that about VA home loans. Today I’m busting the myth that you cannot finance closing costs into your purchase. While technically not considered “financed”, there is a way …

Financing Closing Costs into your VA Home Loan with Kaitlin Miller Read More »

Q: WHAT’S MY DTI? Expenses like groceries, utilities, gas, and your taxes are not included. The next step is to take the total of monthly debt payments and divide it by your gross monthly income. This gives us the DTI. Depending on the loan program you will have differing guidelines on what DTI is required …

Debt to Income with Zach Abrams Read More »

Q: HOW DOES SECOND TIER ENTITLEMENT WORK? Mark Villano Loan Officer at Veterans Lending Group goes into detail regarding the Second Tier Entitlement. This is a term that lenders use when describing the remaining balance in a buyers VA Home Loan Entitlement when they already own one or more properties with their VA Home Loan. …

Second Tier Entitlement with Mark Villano Read More »

WHAT THE MILITARY DIDN’T TEACH ME ABOUT MY VA HOME LOAN Hi, this is Mitch McElwain with Veterans Lending Group. I’m a former US Navy submariner, and I can tell you that I was not educated about the VA loan as I was transitioning out of the Navy, and that story is true for the …

What the Military Didn’t Teach Me with Mitch McElwain Read More »

Q: HOW DOES THE VA FUNDING FEE WORK? Hey all, this is Tony Dayton here with Veterans Lending Group. Today we are going to be talking about the VA funding fee. The VA funding fee covers the cost of maintaining the VA loan program and goes to the Department of Veterans Affairs directly and here …

VA Funding Fee with Tony Dayton Read More »

Q: IS IT HARDER TO GET A VA HOME LOAN OFFER ACCEPTED? Hi, I’m Mike Villano with Veterans Lending Group. Today I want to take a moment to chat about some of the challenges you may face with a VA home loan offer, as opposed to Conventional or FHA. Sadly this is true. What I …

VA Home Loan Offers with Mike Villano Read More »

Q: WHY IS MY CREDIT SCORE DIFFERENT THAN THE CREDIT SCORE MY LENDER PULLED? This is Timora with Veterans Lending Group. I wanted to take a little bit of time to help you as a real estate professional better help your clients, and if you are a consumer get ready for some insider tips. Today …

Credit Scoring Models with Timora Batarao Read More »

Q: HOW DO I CALCULATE AN ACCURATE DOWN PAYMENT FOR MY VA HOME LOAN? I’m Brooke Villano with Veterans Lending Group. Today I’m going to talk about calculating your down payment and your entitlement for a VA Home Loan. One thing that we see very frequently is that the down payment is calculated improperly because …

VA Loan Down Payment Calculation Inaccuracies with Brooke Villano Read More »

Q: DOES THE VA HAVE A MINIMUM REQUIRED CREDIT SCORE? Hey there….did you know that the VA actually has no minimum required credit score? Most banks have what are called overlays on top of the VA guidelines. The majority of the time these bank overlays include a credit score of 620 or higher. Buyers don’t …

VA Minimum Credit Score with Jamie Fischer Read More »

Q: WHAT’S THE DIFFERENCE BETWEEN A PRE-QUALIFICATION AND A PRE-APPROVAL? A pre-qualification does a very quick skim of your credit report, with a rough estimate of your income and your debts. What it doesn’t do is factor in your ACTUAL Debts, Income and qualifying income, so it’s not a VALID pre-approval. After knowing what a …

Pre-Qualification vs. Pre-Approval with Lee Nguyen Read More »

Credit Score Tips with Mark Villano Q: HOW DO I IMPROVE MY CREDIT SCORE? First, everyone’s credit score history is different, so make sure you have a VA Specialty Lender pull your credit and run a Credit Simulator to determine what your exact perfect plan looks like. One of the main things credit bureaus are …

Credit Score Tips with Mark Villano Read More »

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