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Marcella started in the mortgage industry over 15 years ago in her native Southern California. Her family relocated to Austin in 2012 and she joined our Veterans United team in April 2015. She is married to a Marine Veteran who is actively involved with Honor Flight Austin. She brings years of mortgage experience and a lifetime of positivity to our Austin team.
Preapproval also adds weight to any offer you place on a home. In today's real estate environment, home sellers expect to see offers from preapproved buyers. Some sellers might not even consider your offer without a copy of your preapproval letter. Chad proudly served four years on active duty in the Marine Corps infantry before graduating with honors from McCombs School of Business at the University of Texas at Austin.
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At this stage, the lender will also order the VA appraisal. Homebuyers typically cover the appraisal cost up front, although it's possible to seek a reimbursement from the seller at closing. You can expect honest and accurate answers to your loan questions and direct communication with meaningful updates through the entire home loan process. I can say without a doubt that if I ever need a mortgage, Veterans United is it! I would enthusiastically, without any reservation, recommend Veterans United. Connecting with the local military community to provide VA home loan education.
He and his staff are very knowledgeable of VA financing and were able to answer any question I had. Melissa kept me updated of the progress of the progress of the purchase in a very timely manner, which I appreciated. I was so pleased with the service I received in January, I went back to Chad in November to refinance my other home. I received the same professional service as I did the first time and the loan was completed in about a month. I would highly recommend Chad Bowman and his staff for any financing need you may have. A VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.
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A good understanding of the VA loan process will help you get the most from your budget and this incredibly powerful benefit. Talk with a Veterans United loan specialist to kickstart your homebuying journey. Remember that a preapproval letter isn't a guarantee of financing, and this step typically comes with a host of conditions to reach the final stage of the VA loan process.
You will originate home loans across Texas, with emphasis on VA loans in your preferred target area. Once you find a home you love, the next step is making an offer to buy it. Thank you for your all your help I really appreciated all your efforts and you did a great job. And together we are fast and efficient in providing loans to our clients. I had the chance to deliver an envelope containing money to spend, give and save to celebrate a surprise 401K drop for each person at our branch!
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Preapproval is the initial green light from your mortgage lender and gives you a clear sense of your purchasing power. Veterans United Foundation, the charitable arm of Veterans United Home Loans, is dedicated to enhancing lives in our nation’s military community. Our scholarship program fuels your vision for a bright future and ensures your dreams aren't threatened by the ever-increasing costs of a post-secondary degree. Best of the Web is an online platform connecting businesses and consumers backed by our team of editors. Use our in-house resources to give Veterans a smooth VA Loan experience at every step of their homebuying journey. Being a first-time buyer I was scared, but Veterans United and my Loan Officer Aaron made it easy for my wife and I.
A special addendum ensures VA buyers get their earnest money back if the property's appraised value comes in low and the Veteran decides to back out of the deal. If the appraiser notes MPR issues, they may require fixing before closing the loan. VA buyers can ask sellers to pay for repairs and even cover the cost themselves if needed. Like the other government-backed mortgage options, VA loans are for purchasing primary residences you intend to live in full-time. Veterans can look to buy a multi-unit property (up to a four-plex) as long as they plan to live in one of the units.
Choosing Veterans United was the best decision we've ever made. Join forces with a distinguished panel of former senior enlisted leaders. These experts help educate Veterans on their VA home loan benefits and the perks of working with Veterans United. We know the VA loan, its benefits and the qualifications you need to get started in Austin, Texas.
Buyers will need the home to appraise for at least what they've offered to pay for it. If an appraisal falls short, the buyer and seller will need to renegotiate the purchase price or end the transaction. Every VA contract features added protection for the Veteran's earnest money regarding the VA appraisal.
Being "clear to close" is still not a guarantee of financing, but you're just about there. The VA assigns an independent, third-party appraiser to assess the property's value and condition. Lenders have no control over the appraiser, their timeline for conducting the appraisal, or their assessment of the property. It might take VA buyers a couple of rounds of negotiation to lock down a purchase agreement. Also, keep in mind some markets are tougher than others. You may make offers on multiple homes before finding something that works.
Manage digital channels, create custom promotional items, coordinate events and book media placements in your community with our marketing team. Connect borrowers with consultants from our exclusive Homebuyer Concierge service for help setting up utilities, booking movers and even finding restaurants in their area.
Talk with your loan officer if you have questions about documentation needs. The faster you get this paperwork back to the lender, the quicker they can move to verify the information and finalize your loan preapproval. During preapproval, your lender will look at your credit, finances, employment situation, service history and more. Lenders validate your service history with the Certificate of Eligibility .
I am so happy to be in my new home and grateful for all the hard work from the staff that helped me get here. Get a Quote A VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency. "They helped me where no other loan company could." To verify your email address and activate your job alert.
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