How a VA Loan Can Benefit You

What exactly are the benefits of a VA loan? Caleb from IMG Mortgage will discuss the answer with me today.

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Today, Caleb from IMG Mortgage joins me to discuss VA loans.

A lot of people don’t know all of the VA benefits they have. If you are active or retired military, there’s a good chance that the VA loan will benefit you.

There are two main benefits to the VA loan:

1. The interest rate is much lower than the rate for a conventional loan. 
2. You can get 100% financing, which lowers the amount of money you have to pay out of pocket for the home. 

You will still have to pay for closing costs. However, your agent can negotiate to get the seller to cover some or all of the closing costs. If the seller agrees to cover all of the closing costs, then you can purchase a home for no money down.

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If the seller covers the closing costs, you can buy a home with no money down.

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Ultimately, the VA loan will also save you money over time thanks to that low interest rate. If you are a veteran, the VA loan is a wonderful tool to help you purchase a home.

If you have any questions about getting a VA loan, you can contact Caleb at 321-684-6976.

If you are a veteran and you work with the Jason Shinpaugh Team to purchase a home, we will waive all of our fees. That is just our way of expressing our deep gratitude for your service.

As always, if you have any other real estate questions, please don’t hesitate to reach out to me. I would be happy to help you!

From My Family to Yours: Happy Holidays

My family and I are fresh from an ugly sweater event and we have a holiday message for you.

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Today my family and I are coming to you fresh from an ugly sweater event at Linda’s corporate headquarters in Asheboro, North Carolina. 

While we’re here, we wanted to share a few of our favorite things about the holidays with all of you. My own favorite part of Christmas is the downtime. It’s great to be able to reflect and spend time with family. I hope each and every one of you has an amazing holiday season. Thank you for all of your support this past year. 

Happy Holidays! 

Why Do You Need to Get Pre-Approved?

Why are pre-approvals so important in our current market? Caleb Hiester from Integrity Mortgage Group is here to help me answer that very question.

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Today, Caleb Hiester from Integrity Mortgage Group is here to give us a little bit of insight into the pre-approval process.

Why is it a benefit to get pre-approved before you start looking at houses?

Right now, the market is very competitive and things are moving very fast. Caleb likes to spend a little bit of time with the customer to make sure that they know which costs are involved and how much they can get pre-approved for.

There are two main reasons why. First of all, knowing how much you can get pre-approved for will help you avoid wasting time on homes that you can’t afford or aren’t comfortable purchasing due to the mortgage payment. Secondly, the market is moving so fast that you need to be well-equipped to make an offer as soon as you find the home you are looking for.

How does the pre-approval work?

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Getting pre-approved is absolutely free.

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It all starts with a 15-minute phone call. Caleb will ask you about your scenario and what your goals are. After that, you will send in some documents that will be put through their automated underwriting system to make sure that you are pre-qualified and pre-approved to go out and look at a home.

You can email, fax, or drop off those documents.

Finally, there are not any costs associated with the pre-approval. It’s absolutely free. It will not cost you anything to sit down and talk with your mortgage professional.

A lot of people get pre-approved for more money than they actually want to spend. Our goal is to get you into a new home that is comfortable for you and your family. We want you to be able to enjoy it and not be strapped for payments.

We like working with Caleb and Integrity Mortgage Group because they do a great job of communicating and getting back to people. If you have any questions for him, you can reach Caleb at 321-684-6976 or chiester@integritymtgs.com.

As always, if you have any real estate questions, just give me a call or send me an email. I would be happy to help you.