VA loans give veterans an advantage over other home buyers because they require no downpayment and they’re government guaranteed.  This means there is also no mortgage insurance.  This affords the home buyer / veteran a lower payment and a lower interest rate.

If you’re already in the home with a VA loan you are entitled to another benefit.  The VA IRRRL.  This loan requires no appraisal and no income verification.   If you have been in the loan for 6+ payments and made them all on time you are eligible.

Here is a brief explanation of how it works:

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Justin Scott

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Executive Mortgage