VA Mortgages

Va Loans are an excellent alternative for anyone who has spent some time in the military and has their certificate of eligibility. Underwriting is very similar to FHA financing but the mortgage insurance is treated differently.

Where FHA will add 1.75% to the base loan amount to the become the total amount financed, VA will add 2% to the base loan to become the total amount financed.

The good news is that there is no monthly mortgage insurance with VA compared to FHA that has a monthly factor of .85%

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