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Thank you for watching. The best thing to do is request your Certificate of Eligibility. You can go on www.va.gov and request it or schedule a call with me. Secondly, if you sold it before the foreclosure and it wasn’t a short sale. Meaning you were able to cover the va loan Guarantee, then you should have all your benefits. The COE will reflect that.

Thank you for watching, and sorry about losing the house. A couple of things to check. Check your Certificate of Eligibility to see what the loss was (you can also schedule a call with me, and I can review it for you). Check your credit report at www.annualcreditreport.com to see how they show it. From my experience, they show it differently based on the company. As far as paying the difference or being responsible - this is very specific to where you live and how they handle things. Traditionally you don't owe the difference. Did the servicer or anyone reach out to you about paying the difference?

Thank you for watching. The programs pays a big portion of the rent for the Veteran. It deftinitley benefits both parties and interestingly engouht - a lot of landlords don't want to take it from my experience. The cost of a rental also depends on where you live. Thank you for sharing your thoughts.

Thank you for watching. There's a lot of confusion around this subject and a lot of people reaching out thinking the VA loan itself was affected.

@@vahousingeducationso continue to move forward in life basically 🤙🏼💪🏼

You fall for all hoaxes don't you?

You do realize that Trump has NEVER done anything to take money from Vets, but you still think he is going to. Stop falling for the conspiracy theories.

Enjoy being cancelled from existence leftards

I will advise you stop trading on your own if you keep losing. And i don't trade on my own anymore, I always required help and assistance

She's my family personal Broker and also a Broker to many families here in the United states, she is a licensed Broker.

😱Sounds familiar, I have heard her names on several occasions.. And both her success stories on wall street journey!

I'm not here to converse for her but to testify just for what I'm sure of, she's trustworthy and best option ever seen.

She's mostly on Telegrams, using the user name

Thank you for watching. If you already own the loan, you use that as equity to get a construction loan. You still need to be eligible and qualified. If you don't have an outstanding VA Home Loan at the time of getting your VA construction loan - technically, there's no limit, but you have to be qualified (that's also lender dependent).

Great question. As long as you buy the home as a primary residence and intent to occupy the property. There’s no restrictions on leasing the property or AirBNb. And the other hand, if you do a VA Assumable loan and locking the sellers entitlement, then you can purchase it as an investment property.

Thank you for watching and dropping a comment. You cannot self-direct the lender to put you in the VASP program. You have to be nominated by the bank. It's a strange thing. Here's the most recent information from the VA on VASP: www.va.gov/resources/veterans-affairs-servicing-purchase-vasp-program-faqs/

Great question and thank you for watching. You can use both incomes to qualify, now - it's up to you who will use their entitlement to purchase a property. Since you have multiple entitlements - you can purchase multiple properties over time. Happy to go over it with you. Here's a link to schedule a call with me: bit.ly/VA_Appointment

Great question, that correct but there's technically no time limit to purchase the second unit. We normally see people wait about 6 months and then purchase another property. Here's a link to schedule a call with me. I'd need to get some more details to see how it can be structured. bit.ly/VA_Appointment

Thank you for watching, and that's awesome! Many people say they want to do it, but I'm happy you're taking the steps to improve your credit and achieve financial freedom. Let me know if you have any questions or need some help. Happy to assistant any way I can.

I know brother, it's crazy with these prices. Prefab or modular is a great option.

Just one more way the us govt targets and sticks it to the Veterans that the US Govt Hates so very much.

Thank you for watching and the comment. 125% grossed up factors in the base number plus the old one, for example - $100 x 1.25% = $125. On the other hand, if you gross it up by 25%, for example - $100 x 25% = $25 plus $100 = $125. It's the same thing, but one step requires more math, and remember, disability isn't an easy number to do the math with. Hope that helps.

Thank you for watching. Here's a link to schedule a call with me - happy to see what we can do. bit.ly/VA_Appointment

Great question and thank you for watching. In areas where taxes are paid a year behind. The seller would have given you a Real Estate Tax Credit at closing to cover the amount owned when they lived in the property. Essentially, they have your money for almost all of 2024, which you'll pay for through your escrows throughout 2025. In 2026, that's when your Veteran Tax Exemption kicks in. You'll get a refund of your escrow balance. Ask the assessor's office when they will apply the exemption. Hopefully, that helps. Happy to jump on a call and go over it as well. bit.ly/VA_Appointment

@ thank you. Do I find LE yearly taxes for those even though I’m 100% p n t? All very confusing

@@chrise.cullen1902 schedule a call with me and let's go over it: bit.ly/VA_Appointment

Thank you for watching. Here's the calendly link: calendly.com/vahousingeducation-team/one-on-one-mortgage-consultation?month=2025-01. Let me know if that works.

Thank you for watching, I agree - having some type of life insurance policy in place will lower the burden. They have mortgage-specific life insurance.

Thank you for watching and dropping a comment. You can only use the VA Loan in the US and its territories. If you're looking to purchase in another country, you have a couple options. You can get a personal loan in the US to purchase said property in cash. Liquidate a retirement account to buy in cash. See if the country you're interested in buying can give you a mortgage. Leverage a home in the US with equity, pull a HELOC on it, and use that to pay cash for the overseas property.

Thank you for watching and the comment! Glad you have a lender that can do the waiver! Not many do them but we specialize in VA Loan's and VA Condo approvals and waivers. Let me know if you need any help.

Thank you for watching. I recommend reaching out to the Regional Loan Center closed to you to get the most up to date information. Here's a link with more information: www.va.gov/resources/veterans-affairs-servicing-purchase-vasp-program-faqs/

Great talking with you today. Thank you for watching and commenting.

Thank you for watching and commenting!

Thank you for watching and I share the concern. Did you purchase a place recently?

@vahousingeducation I built on my land. Deal was chalked full of incentives. This included no payments for 6 months and no cash out of pocket. I was advised to refi as soon as the build was done so I wouldn't have to make a payment with the builder at the initial very high interest. Well, we didn't know about the VA seasoning period. We had applied and were approved for a mortgage and then not cleared to close because we haven't made 6 paymemts yet. What an ordeal. I'm a little upset with both the builders' bank and the mortgage company that had us go through the whole process and didn't know about the seasoning period.

Thank you for watching and commenting. When purchasing a home, they gross up VA Disability income (non-taxable) by 25% for DTI, but it's taken away when calculating Residual Income, so you still need to meet that requirement plus have "approved" findings for the most straightforward approval. Otherwise you'll be capped at a DTI for manual underwriting per the lender.

Thank you and Happy New Year to you as well! Looking forward to 2025.

Definitely and thank you for watching. I'll work on getting something together for Jan 25.

Thank you for watching and great question. It depends, you can serve 1 day and have your benefits but it will depend on your discharge. Here's a link to schedule a Certificate of Eligibility call with me: calendly.com/vahousingeducation-team/request-certificate-of-eligilbity

Thank you for watching! There is an Assessment Property Value max, and depending on the county/ city - if you own more than a 2 flat, they can restrict how the exemption works.

Great idea, I'll record one in Jan. Thank you.

Tidewater is a process specific to VA home loan appraisals that occurs when the appraiser determines the property's value might not meet the contract price. It allows all parties, particularly the veteran buyer, an opportunity to address the potential discrepancy before the appraisal is finalized. When Tidewater is invoked, the appraiser notifies the lender, who informs the real estate agents or other relevant parties. A 48-hour window is then provided for the submission of additional evidence, such as comparable sales or market data, to support the contract price. The appraiser reviews the submitted information but is not obligated to adjust the value unless the evidence justifies it. Once the review is complete, the appraiser issues the final value. If the appraised value still falls short of the contract price, the buyer and seller may need to renegotiate terms, such as adjusting the price, the buyer bringing additional funds, or even canceling the contract. This process ensures transparency and fairness, giving everyone involved a chance to address valuation concerns while protecting the interests of the veteran buyer.

@@vahousingeducationvery awesome information, thanks 🙏🏻 for sharing brother 👏🏼😊 🇺🇸

@@LightWarriors4Life Thank you for watching and the support!

Great question, you can use them on a multi family.

Thank you for watching and subscribing!

Thank you for watching, if you're looking for a assumable mortgage - you can reach out to mortgage.springeq.com/. They offer them.

Thank you for watching and dropping a comment.

Thank you for watching. Congratulations on leveraging the VA loan to gain investment properties. I'm working on putting a video together for the veteran community around investing with the loan. You can do a VA Construction loan to build up to a four-plex property. Let me know when you're ready, and I will be happy to point you in the right direction.

@vahousingeducation We are definitely ready. We are currently scouting land in a few different states. I've seen mixed responses on completing a VA loan for a duplex. I'd prefer to build new. If y'all can make those deals happen, we'd love to talk!

@@LimitlessSoulJourney Here's a link to schedule a call with me and I can point you in the right direction. bit.ly/VA_Appointment

If that’s the case, prices will drop and rates should drop as well. Right now, demand is high for purchases - so we will see what happens in 2025 but I’ll definitely keep you posted with videos on the channel.

That’s a great question! As far as the V home loan itself, 1:22 be affected necessarily by the shutdown so you’ll still be able to use the VA home loan and the lot of their systems are automated these days. You may run into an issue if you need to get a certificate of eligibility or something that needs to be done manually. Fingers crossed on what happens.

@ ok 👍🏻

Isn't that nice! Thank you for watching.

@@vahousingeducation as screwed up Illinois politics is, one of the better states for disabled Vets!!!!! I live in southern Illinois, Bluff City!!!!!

@@lucken13 Couldn't agree more!

Thank you for watching. I've run into this before, but you're correct - I don't know of any institutions that lend with 0% interest rates.