why working with a va loan officer from the area is a smart move
DESCRIPTION
\"Jimmy Vercellino, VA Loan Specialist helps veterans obtain the loans they are entitled to. He served in the United States Marine Corps, and now devotes himself to the Veteran home buyer in the Phoenix area, fulfilling a passion of his while at the same time helping others achieve home ownership. Be a proud homeowner today. For more details call 480-351-5904 or visit the site http://www.valoansforvets.com/\n\nVA Loans for Vets\n7702 E. Doubletree Ranch Road, Suite 220\nScottsdale, AZ 85258\nPhone: (480) 351-5904\nEmail: [email protected]\" - PowerPoint PPT PresentationTRANSCRIPT
![Page 1: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/1.jpg)
![Page 2: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/2.jpg)
Why Working With a VA Loan Officer from the Area
is a Smart Move
![Page 3: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/3.jpg)
The Veteran’s Administration
Guaranteed Home Loan Program has
helped millions of military veterans
and active duty service members
achieve their dream of home
ownership at affordable rates.
![Page 4: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/4.jpg)
The application for a VA home loan
requires additional documentation
compared to conventional loans.
![Page 5: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/5.jpg)
For new home buyers who don’t know how to get a VA loan, a
local VA loan specialist can provide the knowledge and
experience to help make the application process go smoothly.
![Page 6: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/6.jpg)
Help With
Documentation
![Page 7: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/7.jpg)
A VA loan specialist can help applicants acquire the
documentation they need to fill the program’s requirements.
![Page 8: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/8.jpg)
A Certificate of Eligibility serves to
document your service record and
qualifies you for the program.
![Page 9: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/9.jpg)
Applying for a Certificate can be
done online or by mail, using the
appropriate type of form for your
military service.
![Page 10: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/10.jpg)
However, if you have a problem
get your Certificate of Eligibility,
your VA loan specialist will help
you with the process.
![Page 11: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/11.jpg)
Credit Verification
![Page 12: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/12.jpg)
To be approved for a VA home
loan, applicants must provide a
credit score.
Generally, a credit score of 620
is needed for approval.
![Page 13: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/13.jpg)
Your VA loan specialist can often
find a lender that will accept a lower
credit score if there are problems,
as well as alerting you to issues on
your credit score that you can
remedy.
![Page 14: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/14.jpg)
Once problems are corrected they can then ensure that the updated
report becomes a part of your application as quickly as possible.
![Page 15: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/15.jpg)
Property Appraisal
![Page 16: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/16.jpg)
The VA program requires that a
new property appraisal be done
on the home as part of the
application process.
![Page 17: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/17.jpg)
An appraisal not only provides
real estate market information on
the property;
It also ensures that the home
fulfills the minimum property
requirements that are mandatory
under the VA home loan program.
![Page 18: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/18.jpg)
If the appraisal indicates that the
house has issues that cause it to
be under the selling price, the
buyer may need to negotiate for
certain repairs.
![Page 19: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/19.jpg)
These actions can add more time to the application process.
Generally, the appraisal process only takes 10 days. However,
delays often occur, so you should plan for additional time for
this step in your planning.
![Page 20: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/20.jpg)
You VA loan specialist can help to expedite the process so that
you can receive approval for your loan in a timely fashion.
![Page 21: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/21.jpg)
Notifications of
Loan Progress
![Page 22: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/22.jpg)
One of the most important
benefits of working with a VA
loan specialist is the personal
contact that will keep you
informed of the progress of
your application.
![Page 23: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/23.jpg)
They can eliminate the
needless waiting and
frustration that can often occur
during the application and
approval process,
![Page 24: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/24.jpg)
as well as providing additional
support to help you navigate
the application process more
easily and with greater
confidence.
![Page 25: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/25.jpg)
Jimmy Vercellino, is an Arizona VA
Loan Specialist who helps
veterans obtain the loans they are
entitled to.
![Page 26: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/26.jpg)
He served in the United States
Marine Corps, and now devotes
himself to the Veteran home buyer in
the Phoenix area, fulfilling a passion
of his while at the same time helping
others achieve home ownership.
![Page 27: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/27.jpg)
Be a proud homeowner today.
For more details call 480-351-5904 or visit the site
www.valoansforvets.com
![Page 28: Why Working With a VA Loan Officer From the Area Is A Smart Move](https://reader033.vdocuments.mx/reader033/viewer/2022051820/568128cf550346895d8b6bb5/html5/thumbnails/28.jpg)
VA Loans for Vets7702 E. Doubletree Ranch Road, Suite 220
Scottsdale, AZ 85258
Phone: (480) 351-5904
Email: [email protected]