We appreciate what it means to serve others with Integrity, Honor, Courage and Commitment with the spirit of Excellence. Owning a home of your own is often part of the American dream.
A VA loan makes ownership even better with its many advantages over traditional mortgages:
Low or no down payments
No PMI (private mortgage insurance)
Low fixed interest rates
As part of the Bliss Life Veteran Home Buyer Program, we show our appreciation by offering these additional benefits:
FREE - VA Appraisal ($500 value)
Closing Cost Incentives
It is with great pleasure that we bring to you a Veterans down payment assistance program, offered by a government entity which you may use to purchase any resale or new construction home. There are no restrictions - you may even purchase a home in need of renovation with a rehab loan.
BUILDING WEALTH WITH HOMEOWNERSHIP IS OUR FAVORITE THING
Our approach is different from the typical real estate agencies. We are focused on real estate education, while working to assist you - our clients with achieving your goals. At Blisss Life you can finance, purchase, sell, and insure your largest financial asset- your HOME.
The program offers a simple 3-step process:
Educate- The homebuyer will learn how credit works and understand what mortgage lenders look for in a borrower.
Empower - Develop a strategic game plan to assist the homebuyer with overcoming credit and down payment challenges and prepare for a home mortgage. The game plan is unique and detailed to the individual buyer(s).
Execute - Our Realtors and Loan Officers will walk the homebuyer through the entire process from start to finish. We will work towards the goal of obtaining a mortgage loan to purchase your home.
If you are ready to learn more, please complete the application below or contact us at 888-828-4889.
Veterans Home Buyer Programs
Down Payment Assistance
The cost needed to purchase a home can seem overwhelming. Fortunately, there are several state and federal down payment assistance programs to help with your down payment and closing costs.
Contrary to popular belief, you DO NOT need a 20% down payment to purchase a home, as a veteran you can obtain a mortgage with 0 down. When you purchase a home you also have closing costs.
Not sure if you can cover your closing costs. No problem, see if you qualify for down payment assistance.
VA Loan Program
Here's the main points and highlights of the program...
These are general rule of thumb, but may vary from lender to lender. Once you apply we will select which lender best suits your needs.
✔️ Buy with $0 money down for the loan
✔️ No monthly mortgage insurance (unlike the USDA, FHA, or Conventional)
✔️ No prepayment penalties
✔️ No max debt to income limits like a USDA (max 41%) conventional (max 50%) FHA (max 56.99%)
✔️ No max loan amounts like a conventional and FHA.
✔️ If you put down 0% your VA funding fee is 2.3% on first use and 3.6% on subsequent uses (this can also be paid by the seller, wrapped into the loan amount, paid by a lender rebate, or all the above)
✔️ You can buy a home, pud, townhome, condo, duplex, triplex, and fourplex (you can also do manufactured homes although our broker does not work with manufactured loans).
✔️ This is good for a principal residence only (You need to live there - can't be for a second home, vacation home, or rental).
➡️ The list of VA eligible borrowers include:
✔️ Active duty service members
✔️ members of National Guard
✔️ Surviving spouses of veterans
✔️ Cadets at the US military, US air force, coast guard academy, midshipmen at US naval academy.
➡️ Minimum service required:
✔️ You’ve served 181 days of active duty during peacetime
✔️ You’ve served 90 days of active duty during wartime
✔️ You’ve served six years in the Reserves or National Guard
✔️ Your spouse was killed in the line of duty and you have not remarried
➡️ What else do you need:
✔️ You'll need your certificate of eligibility which you can get through the Va benefits portal.
✔️ If we are unable to get the COE either from the Va benefits portal, or from the lender at submission, we will need your DD-214.
We are approved with 40+ wholesale lenders.Our mortgage broker will locate the best loan for your unique situation.Before you begin your home search it is best to get preapproved. Being preapproved allows you to shop with confidence.
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