Creative Finance Your Home Loan Solution

 

Creative Home Loans

Serving the Great State of Pennsylvania and now licensed in the following states: Florida, Oregon, California, Arkansas, Montana, Wyoming, Colorado, Kansas, Oklahoma, Texas, Iowa, Missouri, Arizona, Louisiana, Michigan, Indiana, Kentucky, Tennessee, Mississippi, Alabama, Maryland, Virginia, North Carolina, and South Carolina.

We're Ready To Create Your Lending Solution Today!

VA Home Loans

VA Home Loans are very much like doing an FHA loan, with very few exceptions. Documentation to support the loan must still be provided to the lender, and you must qualify utilizing your existing credit and income.

1st Continental Mortgage is approved to originate VA insured mortgage loans. This is a great program and great opportunity for VA eligible borrowers!

There are really four steps to a VA loan.

1) Get your certificate of eligibility, credit application and supporting documentation together and get pre-approved. (If you don't have your certificate of eligibility, you can obtain one from the VA by completing form 26-1880 and submitting it to your nearest "Eligibility" center with copies of your most recent discharge or separation papers. You can request an eligibility form by calling 800-827-1000)

2) Find your new home that fits within your pre-approval. You can either choose to utilize the services of a Realtor or you can look via the "buy owner" route.

3) The appraisal is ordered from VA. Keep in mind, the appraisal estimates the value of the property, it is not an inspection and doesn't assure you that the house is free of defects. VA guarantees the loan, not the condition of the property. If you're unsure about the property, this is the time to order an inspection.

4) Close the loan.