va loan powerpoint presentation 2023

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May 19, 2021

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Since 1944, VA loans have successfully helped more than 24 million military members purchase their dream homes. For most military members, VA mortgages have always been the go-to option.

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Things You Didn’t Knew About VA Loans Since 1944, VA loans have successfully helped more than 24 million military members purchase their dream homes. For most military members, VA mortgages have always been the go-to option. However, despite being immensely famous among Veterans, there are few things that most borrowers don’t know about these home loan facilities. What Are VA Loans And How Do They Work? VA mortgage facilities are home loan programs offered by the US Department of Veterans Affairs. These plans come with some remarkable benefits like 0 down options, lowest interest rates, no PMI requirements and flexible guidelines. To apply for a VA loan, you have to meet the eligibility criteria set by the VA. An eligible Veteran must apply for the Certificate of Eligibility (COE) before moving on with the process. Here’s how a VA loan application will look like for an eligible applicant with a COE- 1.Getting Pre-Qualified- As stated above, you must ensure that you can meet the VA’s eligibility requirements. Getting pre-qualified for a loan will also give you an estimate of how much loan amount you can afford, based on your income, credit score and service type. 2.Pre-Approval- At this stage, your VA-approved lender will verify your financial condition. If you are able to pass the parameters, you will be provided with a pre-approval letter. This letter will validate your affordability for VA loans. 3.Selecting your New Home- After getting pre-qualified and receiving your pre-approval letter, you can shop for your dream home with the help of a real estate agent. Always make sure that your real estate agent is well-versed in VA guidelines. 4.VA Appraisal- After finding your new home and moving on with the contract, you can ask the VA to send their appraiser to reevaluate the selected property’s actual cost. You must keep in mind that this appraisal is not a home inspection and it won’t make sure that your house is defect-free. 5.Loan Closing- Once the VA approves your loan and other requirements, you will be required to sign all the legal documents and pay any fee that is due upfront. Unknown Facts About VA Loans •VA loans are not issued by the VA. These loans are provided by VA-approved private lenders and are guaranteed by the department. Simply put, if the borrowers default in any way, the VA will pay a certain amount of the loan back to the lenders.

•You can apply for another VA loan after paying back the existing one. •VA home loans are available only for a primary residence. A borrower cannot borrow the mortgage for buying a vacation home or investment property. However, the VA does allow duplex, multi-unit property, single-family homes, condos and modular housing, given that they will become your primary residence. •Because the VA follows flexible guidelines, an applicant with a defaulter history or bankruptcy is also eligible for VA loans. •Another noteworthy benefit of these loans is that they do not require the applicant to pay any Private Mortgage Insurance (PMI). •Although an applicant won’t be required to pay PMI, they will be subjected to VA funding fees. This fee goes back to the department to keep this program running. A Veteran can either pay this cost upfront or get it rolled into monthly installments. •VA loans come with no limits unless you have 0 or partial VA entitlement.

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VA Guaranteed Home Loan Program

VA Guaranteed Home Loan Program. Department of Veteran Affairs Atlanta Regional Loan Center. “ To care for him who shall have borne the battle, and for his widow and his orphan.” Abraham Lincoln, 1865 . VA HOME LOAN PROGRAM. VA Training Topics. Why VA Types of Loans Loan Purposes

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STEPS TO A VA LOAN

STEPS TO A VA LOAN. DEPARTMENT OF VETERANS AFFAIRS ST. PETERSBURG FL 888-611-5916. CONTACT INFORMATION. GO WWW.BENEFITS.VA.GOV/HOMELOANS / Locate Lender’s Handbook, CIRCULARS, FORMS and INFORMATION at this site Call 1-888-611-5916, or email FL /[email protected].

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VA Guaranteed Home Loan Program. Department of Veteran Affairs Atlanta Regional Loan Center. “ To care for him who shall have borne the battle, and for his widow and his orphan.” Abraham Lincoln, 1865. VA HOME LOAN PROGRAM. VA Training Topics. Why VA Types of Loans Loan Purposes

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VA Home Loan Tips

Va Loans for Vets provides and assists all veterans and active duty military with ALL of their VA Home Loan Financing Needs. Be a proud homeowner today. For more details call us at 480-351-5904 or visit our site http://www.valoansforvets.com/ VA Loans for Vets 7702 E. Doubletree Ranch Road, Suite 220 Scottsdale, AZ 85258 Phone: (480) 351-5904 Email: [email protected]

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Obtaining A VA Home Loan

Va Loans for Vets provides and assists all veterans and active duty military with ALL of their VA Home Loan Financing Needs. Be a proud homeowner today. For more details call us at 480-351-5904 or visit our site http://www.valoansforvets.com/

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how to get a va loan, va loans in Arizona

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VA Loan Selection Tips

Today, the VA guaranteed home loan program offers a variety of loan types to serve the specific needs of active service members and military veterans. Here are few VA Loan selection tips to guide you in buying a new home. Visit site: http://www.reteotto.net/va-loan-selection-tips/

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VA Loan Eligibility

VA Loans for Vets NMLS#184169r 5050 North 40th Street, Ste 260r Phoenix, AZ 85018r 602-908-5849r r Jimmy Vercellino is one of the nationu2019s top VA Home Loan mortgage originators. A Marine veteran, he and his team work hard to help veterans take advantage of their VA loan benefit and become homeowners. From start to finish, they guide their clients through the process and make it as smooth and stress-free as possible. Visit the site at https://www.valoansforvets.com

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VA Home Loan Specialist - Quick VA Loans

If you are interested in VA home loan, Quick VA Loans is a VA home loan specialist in Utah, Florida, Texas, Colorado, Idaho and Wyoming. Apply online or speak with one of our friendly VA loan specialists.

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Current VA Mortgage Rates - Visit Satori Mortgage for questions on VA loan eligibility & application process, check Eligibility for VA Loan, Current VA Mortgage Rates and get Military VA Loan in Florida.

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VA Loan Pre-Approval Process

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Texas VA home loan – Texas VA Mortgage

As we know, there are many of the Texas VA home loan providers are available in Texas, USA. But you should contact with those provider who will give you effective and affordable VA Loan services. Texas VA Mortgage is one of those providers. Many of the veterans got VA Home Loan Texas from us and all are satisfied. More information, go through this presentation. Call: (888) 295-4055 Website: https://www.texasvamortgage.org/va-loan-facts/

New VA Mortgage Loan Programs!

A conventional mortgage refers to any loan that is not insured or guaranteed by the federal government, as opposed to government-insured loans including Federal Housing Administration (FHA), U.S. Department of Veteran Affairs (VA), and U.S. Department of Agriculture (USDA). Learn more here - https://themortgageladyteamfairway.com/ Address - Company : The Mortgage Lady Team Fairway Address : 111 Solana Road, Suite B City : Ponte Vedra Beach State : FL Zip code : 32082 Phone number : (904) 383-8374 E-mail : [email protected]

76 views • 7 slides

• Preferences

VA Guaranteed Home Loans

VA Guaranteed Home Loans Roanoke VA Regional Loan Center Compliments of Roanoke and Cleveland RLC WHAT A VA LOAN CAN DO Ensures Equal Opportunity to Veterans No Down ... – PowerPoint PPT presentation

• Roanoke VA Regional
• Loan Center
• Compliments of Roanoke and Cleveland RLC
• National VA website
• www.homeloans.va.gov
• Roanoke VA website
• http//www.vba.va.gov/ro/roanoke/rlc/
• Toll Free (800) 933-5499
• Purchase or construct a home
• Purchase a VA/HUD approved condo or townhouse
• Purchase farm property
• Purchase a home and improve at the same time
• Manufactured home on permanent foundation
• Interest Rate Reduction Refinance Loans (IRRRL)
• Cashout Refinances
• Energy Efficient Improvement
• Ensures Equal Opportunity to Veterans
• No Down Payment Program
• Negotiable Fixed Interest Rate
• Streamlined Processing for Lenders
• Right to Prepay without Penalty
• Assumable Mortgage
• Limitations on Closing Costs
• Forbearance Extended to VA Homeowners Experiencing Temporary Financial Difficulty
• Appraisals take forever!
• Too much red tape!
• Too much paperwork!
• VA takes too long!
• Uses AUS to get decision in minutes
• Orders Appraisal thru TAS
• Lender Closes Loan
• Consolidation
• Underwrites Income Credit packages and the Appraisal
• Closes loan without sending anything to VA
• Lender guarantees loan online through a system called WebLGY
• Joint Loans
• Vets in receipt of non-service connected pension
• Vets rated incompetent by VA
• Interest Rate Reduction Loans when refinancing a delinquent loan
• Submits loan to VA for underwriting
• Closes after VA issues commitment, usually in 3-5 days
• 1 are Priors
• Honorably discharged veterans who served
• 2 years on active duty
• 6 years in the Reserve/National guard
• POWs held in captivity for 90 days of more
• 90 days of wartime duty when called up or ordered under U.S.C. Title 10 (this US code must appear on DD214).
• 181 days of peacetime duty called up under U.S.C. Title 10
• Some unmarried surviving spouses
• World War II (9/16/40 - 07/25/47)
• Korean Conflict (06/27/50 - 1/31/55)
• Vietnam (08/05/64 - 05/07/75)
• Persian Gulf - 08/02/90
• Post WWII - 7/26/47 - 6/26/50
• Post Korean - 2/1/55 - 8/4/64
• Post Vietnam - 5/8/75 - 8/1/90
• Enlisted person - After September 7, 1980
• Officer After October 16, 1981
• (90 days applies to Persian Gulf wartime service called up under U.S.C. Title 10)
• 6 Years Total Service unless activated under Title 10
• VA Form 26-1880
• Proof of service documentation (DD214, active duty statement of service or Reserve/National Guard points statement)
• If veteran had previous VA home that was sold, a copy of the HUD-1 Settlement Statement
• An automated system used by lenders to obtain an online certificate of eligibility
• Accessed through the VIP
• http//vip.vba.va.gov
• For use by lenders and mortgage brokers
• No application for certificate of eligibility needed
• Vets SSN Name all thats required to use ACE system
• Typical successful ACE candidate is a first time user of VA program, discharged after 1980 and served on active duty for 2 years
• ACE certificates of eligibility no longer printed on green or gold safety paper.
• ACE certificates printed from computer on white paper.
• Authorization number distinguishes authenticity
• Reserves/National Guard
• Prior VA loan foreclosure
• Insufficient time/discharge type
• Unmarried surviving spouse
• Winston Salem Eligibility CenterP.O. Box 20729Winston Salem, NC 27120
• GNMA, FNMA and FHLMC require government loans to have a minimum of 25 guaranty coverage
• Basic entitlement under old law, allows for up to 36,000 for loans not to exceed 144,000
• Certificate of eligibility tells the lender, broker or real estate agent how much entitlement a veteran has
• A veteran who previously used the VA home loan program would need to sell the home and transfer title to obtain the full basic and bonus entitlement back (restoration of entitlement)
• A veteran can obtain a certificate of eligibility over and over, provided they have adequate entitlement
• Limited to the lesser of
• Appraised Value or Purchase Price
• VA Funding Fee
• Energy Efficient Improvements
• Maximum VA loan is the lesser of the appraised value or the purchase price
• VA loan is based on available entitlement
• Secondary market requirements for GNMA, FNMA and FHLMC require at least a 25 guaranty
• VAs maximum guaranty on a 417,000 loan is 104,250, or 417,000 x 25 104,250
• WEVE RAISED THE ROOF
• Example The COE issued to you shows 36,000 basic entitlement. This amount can be increased to an amount equal to 25 of the Freddie Mac conforming loan limit which is 417,000 across the country exception for those counties with a temporary increase.
• Alexandria, VA, for example, is one county with a temporary increase of 768,750 for a home over 144,000.
• Entitlement 192,187.5 (36,000 basic 156,187.5 bonus).192,187.5 x 4 768,750.
• If you qualify for a home costing 768,750, the lender that you are approved through would receive a 25 guaranty.
• Veteran purchases a home in 1995 for 100,000
• VA guarantees 25 of loan or 25,000
• Loan is still open and being paid on
• Assuming the conforming loan limit is 417,000.
• If the conforming loan limit is higher ex. bonus as shown on previous screen would be more.
• Remaining Entitlement
• 36,000 basic entitlement
• - 25,000 used
• 11,000 remaining basic
• 68,250 bonus entitlement
• 79,250 total entitlement left
• 317,000 maximum loan to
• Whats changed at VA regarding appraisals?!!!
• 40 increase in number of appraisers in all states
• All appraisers must be e-commerce compliant
• Appraisers are expected to communicate with all parties
• Lender Appraisal Processing Program (92)
• Timeliness issues aggressively monitored
• Minimum Property Standards
• Safe meets local/county safety codes (electrical, structural and location)
• Sanitary well, septic and sanitary sewer pass local/county inspection
• Sound meets local/county structural building codes
• Bottom Line NO FIXER UPPERS!
• Generally, must occupy within 60 days
• IRRRLs do not have to occupy
• Spouse of veteran can satisfy occupancy
• If veteran is on active duty, must occupy within 12 months
• Funding fee can be added to the based loan amount
• Funding fee amount varies depending on loan type, down payment, and whether or not veteran had VA loan previously
• Funding fee is paid online at www.pay.gov/va
• Some borrowers are exempt
• Veteran receiving 10 disability compensation from VA
• Veteran receiving military pension from VA, in lieu of compensation
• Surviving spouse of a veteran who died as a result of active duty injuries
• Determine that the veteran is a
• satisfactory credit risk, and has the
• income to qualify for the loan
• Stable and Reliable
• Anticipated to continue
• Sufficient in amount
• Reportable/Verifiable
• Income must be verifiable
• Prefer a 2 year history, but consideration given for at least 12 months on the job
• Veteran can obtain VA loan immediately out of the military if employment is related to military technical experience
• Explain significant gaps in employment
• VA Form 26-8497, Verification of Employment, or
• Alternative
• Telephone verification
• Pay stubs (30 days)
• W 2s for 2 years
• Faxed Internet Verifications
• Employment Verification Services
• Leave Earning Statement (LES) for Active Duty Service (available at my pay
• Income tax returns (self employment) YTD PL and balance sheet
• Generally not considered stable and reliable
• Carefully consider Employers evaluation of probability of continued employment Special training/education/skills required
• If using this income you must explain why!!!
• Generally not considered stable and reliable unless 2 year history
• Verification for at least 12 months income may be used to offset debts of 10 to 24 months
• 3-File Merged (MCR)
• Residential Mortgage Credit Report (RMCR)
• Verify Rent/Mortgage history
• Most major lenders approved
• to use AUS systems
• Typical VA Accept is in the 640 credit score range
• Desktop Underwriter
• Loan Prospector
• Countrywides CLUES
• Chases ZIPPY
• PMI/AURA For VA Loans
• In the 640 mid-credit score range
• Accept gives credit clearance with waiver of certain derogatory issues
• AUS Accept does not mean loan is clear to close
• Veteran must still meet debt ratio and residual income factors
• Review individual trade lines derogatories in last 12 months?
• Collection accounts minor or major?
• Charge offs how much and how long ago?
• Federal debt cannot close with open, unpaid Federal debt
• Judgments cannot close with open, unpaid judgments
• Absence of credit history
• Discharged 2 years ago if bankruptcy was caused by borrowers financial mismanagement
• Discharged 12 months ago - must be due to circumstances beyond borrowers control
• Must have documentation
• Must have re-established credit in most recent 12 months
• This indicates an effort to pay and may be viewed as evidence of acceptable credit if
• 12 month payment history, no lates
• Acknowledgment of trustee or agency
• Develop facts and circumstances
• Same waiting periods as Chapter 7 Bankruptcy
• Prior VA LoanEnsure no debt to Government and entitlement restored
• May remove debts with 10 monthly payments remaining (if not significant)
• Only monthly revolving and installment accounts considered
• Child care is a monthly obligation
• Investigate all allotments on LES or pay stubs
• Verify and consider Alimony and Child Support
• Co-obligor on anothers loan
• evidence payments made bysomeone else
• No reason to believe applicant will need to make payments in the future
• Student Loan payments deferred 12 months or more.
• 401K loans (or other loans secured against deposited funds).
• VA Form 26-8497a, Verification of Deposit
• Alt Docs Last two bank statements
• Internet and faxed verifications
• Debt-to-income Ratio 41
• Residual Income - should meet VAs residual income tables
• Lender must complete Loan Analysis, VA Form 26-6393
• Approve Loan
• Reject Loan
• Could go either way
• Contingent on VA financing VA
• Escape Clause is mandatory
• Seller must pay termite inspection
• Appraisal Report Compliance Inspections
• Credit Report
• Prepaid Taxes and Hazard Insurance
• Title Exam and Title Insurance Fees
• Flood Zone Determination
• Environmental Endorsements (3.0, 8.1,103.5)
• Recording Fees and Taxes
• EPA Endorsement
• Origination Fee (1)
• Reasonable Discount Points (May roll up to 2 points into an IRRRL)
• Termite/Pest Inspection
• Septic Inspection (as mandated by county)
• Well Inspection (as mandated by county)
• Mortgage Broker Fee
• New HUD1 and Good Faith Estimate
• VA will continue to have a cap on the origination fee and limit the type of charges that may be paid by the veteran.
• In order to monitor these fees, VA is requiring lenders to itemize these charges in the empty 800 lines of the HUD-1 (effective 5/1/2010).
• Lenders will be required to maintain a copy of the GFE and invoices for third party charges as part of their origination package.
• The lender may charge the veteran a flat fee up to one percent of the loan amount. The flat fee is intended to cover the lenders costs and services which are not reimbursable as itemized fees. For Interest Rate Reduction Refinance Loans this fee may not exceed 1 of the existing loan balance of the loan being refinanced plus the cost of energy efficient items less any cash payments from the veteran.
• Circular 26-10-01 Lists Reasonable and Customary Items along with Unallowable Itemized Fees Also refer to Chapter 8, section 2d of the Lenders Handbook.
• 325,675 VA loans nationwide
• 68.2 billion in VA loan volume
• Average VA loan 209,395.
• Repayment Plans
• Deed In Lieu of Foreclosure
• Loan Modification
• VA Refunding
• Compromise Sale
• THE HOMEOWNER NEEDS TO CONTACT THEIR LENDER
• If the value of the veterans property has dropped and you, as a realtor, cannot get a contract to pay the loan in full, you may want to consider the VA compromise sale program.
• If you get a contract equal to the value and the closing costs are reasonable and customary, this program may work for you.
• With this program, the lender (on behalf of VA) can step in and pay the difference to pay the loan off plus closing costs that are reasonable so that the homeowner can avoid foreclosure. When the lender reviews a case for VA compromise, they look at the case as if it were going to foreclosure versus allowing the VA compromise to go through. There must be a savings in order for the compromise sale to go through.
• If, for example, you submit a contract that equals the value but the value has dropped drastically or the closing costs are too high for whatever reason (or a combination of both factors), the contract will fall through.
• Contract Sales Price 95,000
• Closing Costs 7,800
• Total 102,800
• Total Debt of 113,619 less Net After Sale of 102,800
• Comp Claim Payment of 10,819
• Foreclosure
• Principal 110,000
• Interest 2,019
• Foreclosure Costs 1,000
• Advances 600
• TOTAL Debt 113,619
• Net Value -96,943
• Foreclosure Claim 16,676

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VA Homeless Programs

Va's calendar year 2023 homelessness goals.

On March 15, 2023, VA announced its 2023 goals for preventing and ending Veteran homelessnes s. Specifically, in 2023, VA would:

• Place at least 38,000 Veterans experiencing homelessness into permanent housing.
• Ensure that at least 95% of the Veterans housed in 2023 do not return to homelessness during the year. And of those who return to homelessness, VA will ensure that at least 90% are rehoused or on a path to rehousing by the end of 2023.
• Engage with at least 28,000   unsheltered   Veterans to help them obtain housing and other wraparound services.

Listen to the Ending Veteran Homelessness podcast episode announcing the goals .

Final Progress Update

As of December 31, 2023 :

• 46,552 Veterans have been permanently housed, representing 122.5% of the goal. VA has met this goal and will continue to connect homeless Veterans to the permanent housing and supportive services they need.
• 95.9% of the Veterans housed so far have remained in housing. 1,919 Veterans have returned to homelessness, representing 4.1% of the Veterans housed.
• Of the Veterans who returned to homelessness, 1,850 Veterans have been rehoused or placed on a pathway to re-housing, representing 96.4% of Veterans who have returned to homelessness. VA is continuing to monitor progress towards this goal closely and is actively working to prevent returns to homelessness and reengage with the Veterans who have.
• 40,203 unsheltered Veterans have been engaged, representing 143.6% of the goal. VA has met this goal and will continue to engage with unsheltered Veterans to ensure they access the housing resources they need. 

View these results broken down by race, ethnicity, gender, and age .  VA hosted a monthly Office Hours Call Series to support communities in achieving this goal. Recordings of these calls were posted here.

Call Recordings

• Kickoff Call Recording - VA's CY 2023 Homelessness Goals  - March 30, 2023. View the PowerPoint presentation from this call .
• Office Hours Call Recording - Technical Specifications - April 6, 2023. View the PowerPoint presentation from this call . 
• Office Hours Call Recording - Housing and Urban Development-VA Supportive Housing (HUD-VASH) Strategies for Achieving the Goals - May 4, 2023. View the PowerPoint presentation from this call . 
• Office Hours Call Recording - One Team: Coordinated System and Program Strategies for Achieving the CY 2023 Goals - June 1, 2023. View the PowerPoint presentation from this call . 
• Office Hours Call Recording - Strategies to Supplement Case Management Services to Keep Veterans in Housing - July 6, 2023. View the PowerPoint presentation from this call . 
• Office Hours Call Recording - Improving Data Quality on Preventing Returns to Homelessness and Setting Veterans Back on Pathways to Rehousing - August 3, 2023. View the PowerPoint presentation from this call .
• Office Hours Recording - One Team Case Conferencing on Returns Guidance - September 7, 2023. View the PowerPoint presentation from this call .
• Office Hours Recording - Using HOMES Assessments to Connect Veterans to Resources - October 5, 2023. View the PowerPoint presentation from this call .
• Office Hours Recording - Integrating One Team Case Conferencing into Your Ongoing Operations - November 2, 2023. View the PowerPoint presentation from this call . 
• Office Hours Recording - Point-In-Time Count: Overview, Purpose & Significance - December 7, 2023. View the PowerPoint presentation from this call . 
• Office Hours Recording - Final Actions - January 4, 2024. View the PowerPoint presentation from this call . 
• Office Hours Recording - Season Finale -  February 1, 2024. View the PowerPoint presentation from this call . 

If you have questions about this goal, or want to know how you can help, email [email protected]

Read the technical specifications for these goals.

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