VA home loans help Veterans and active duty members of the US Armed Forces obtain financing for a home purchase or refinance of an existing home loan. VA loans continue to grow in popularity because VA loan requirements can be more flexible than other home financing options. In addition to the flexible loan requirements, the interest rate for a VA loan is often lower than the rate for a conventional loan. At VA Loan Solutions.com, we have extensive knowledge of the VA home loan process, allowing us to be quick, efficient and tactical with your VA home financing. Here are some other important reasons why you should consider a VA home loan:

• 100% financing available - no down payment required
• Low interest rates
• No mortgage insurance
• Equal opportunity for all qualified Veterans
• Ability to finance the VA funding fee
• Lower closing costs - Certain fees not allowed to be charged to the Veteran
• No Pre-payment penalty
• VA assistance available to borrowers in risk of default due to temporary financial difficulty

VA Loan Solutions.com is unique in our industry, being part of an inner circle of VA home loan specialists who advocate on behalf of American Veterans, active duty service men and women, and their families. Our team has extensive knowledge of the VA home loan process, allowing us to be quick, efficient, and tactical with the planning and delivery of your VA home financing. VA Loan Solutions, in association with Brazos National Bank, Member F.D.I.C., is committed to finding the right VA home mortgage solution for you and your family. We handle VA loans every day, which gives our loan specialists an added level of expertise that other lenders do not have. Whether you are buying your first home, refinancing, or seeing if you can get pre-qualified / pre-approved, VA Loan Solutions.com works hard to maximize your options and put a plan in place to help you achieve your dreams. Our team can help you:

• Find the lowest VA mortgage rates on VA mortgage loans
• Learn how to get a VA loan that works for your unique financial situation
• Meet VA loan requirements in a streamlined process without the red tape
• Review your refinancing options
• Get through the VA approval process with confidence

After you answer a few short questions, your VA Loan Solutions Specialist will work with you to get the loan you need and make the process easy and hassle-free.

VA Loan Solutions.com has streamlined the VA home loan process to make it as efficient as possible. Our loan specialists will guide you through each phase and can help you with:

• VA home loan terms and procedures
• VA loan closing costs and what you can expect to out of pocket
• Debt to income ratios for your VA home mortgage
• VA house loan funding fees
• VA home mortgage credit issue reconciliation, plan and maintenance
• GI home occupancy laws
• Co-signers / Joint loans
• VA loan requirements
• Ability to borrow for a VA home loan
• Military loan affordability
• Home VA loan payment calculator and estimates
• VA interest rates and amortization schedule

Recent changes to VA loans give borrowers an interest rate advantage when compared to a conventional loan. In many cases, that advantage can lower your interest rate a half to a full percentage point lower. This can dramatically affect your monthly payment in addition to your long-term financial wealth and cumulative savings.

VALS loan specialists follow the VA Home Lender's Handbook and stay current on all the latest VA home loan procedural changes. We are also mindful of all components of the Home Mortgage Disclosure Act (HMDA), particularly as those components pertain to our Veterans. If you are active duty, you may find it useful to consult the Base Allowance for Housing (BAH) rate schedule. The BAH provides an easy-to-measure proof of a Veteran's ability to pay a home mortgage, which is very important when you apply for a VA home loan. We have the latest (2011) BAH rate schedule, which lists information by state and military housing area: just ask us to take a look for you. If you are seeking more detailed information concerning the VA home loan program in general, you may request the VA Pamphlet 26-4 or VA Pamphlet 26-6 from a VA Loan Solutions.com specialist. We'll be happy to answer all your questions.