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hawaiianrealty.com hawaiianrealty.com hawaiianrealty.com hawaiianrealty.com hawaiianrealty.com hawailanrealty.com VA BENEFIT: USE IT OR LOOSE IT! A HAWAI'I LIFE EAL ESTATE ROKERS For many vears, it seemed that Hawaii Veterans home loan benefits existed in name only. In fact, the first year I sold real estate, I could find only 1 VA loan on the entire island. I have since been on Cool Views in Mountain View! for the most part, VA benefits are extinguished at zero down programs) cap the borrower's debt ratio death. Vets with existing mortgages should consult at 29-33%, including the proposed house payment, their lender to determine if refinancing into a VA loan is worthwhile. Remember, other government guaranteed loans (Rural Development RD) do not set fimits on the cost of the home but caps on household income keep loan amounts below the median priced Would cap this amount at approximately $413,000. home in most areas. Homes purchased with an RD loan have location restrictions that don't always apply with VA loan. Overall, FHA loans, which are low-down government insured loans are more expensive and more restrictive than VA, Issues with roads, ingress/egress and property condtion have made FHA loans less common in our local market. Considering that VA loans offer no down payment points are negotiable and interest rates are st very low, it's easy to understand why VA loans are sail a popular option in and around our East Hawai neighborhoods. Embracing VA loans offers a good opportunity for sellers while presenting a great same income. While other programs jespecially hawaiianrealty.com 800-667-5028 ext. 8122 Denise S. Nakanishi a mission to educate both buyers and sellers. At RB-17031, ABR, CRS, GRI, SRS that time loan limits hovered around S230,000. Even then, trying to use VA loan benefits seemed impossible in most of Hawai. With increased loan imits it's a great time for my fellow Veterans to VA expands this ratió to 41%. As an example, a dual income family in East Hawai making $5000 per month could qualiy for a VA mortgage of approximately $5i3,000. Other loan programs "Major Mom is a Major Difference" VA also offers a jumbo product up to S1.5mi. VA consider using their Veteran's home lban guarantee. has always been a bit more forgiving about credit Currently, veterans can begin searching "hiccups" than other loan programs. In order to put more Veterans into homes, VA has relaxed many permitting and new buld requirements. So, while it's stil nót possible to build a home using a VA loan, purchasing new construction (and there's stil plenty to purchase) is an appealing possibility. iritunePierakt reasons that using VA benefits make a Mary National Guard and Reserve solders do not kot of sense. It's refreshing to see that realize that they qualify for VA home loan benefits. Maried couples even same sex couples) may qualified Veterans and once again, VA interest rates quality together. Widows of qualified ets can use a spouse's benefits, but children cannot. For this reason, I always encourage Veterans to use their benefit. It's possible to inherit a home but, BEST Hawaii 2021 with confidence knowing their loans can be guaranteed on pricing up to $822,375 (expected to increase later this year) if the veteran qualifes financially. There are New Listing! 3bd, 3ba, 1,119sf, lanai, new appliances, carpet, paint, near park/stores East VA seems willing to bend over backward to assist opbion to use it or lose it for us Vets! are on par or better than prevaling conventional rates. Veterans enjoy higher allowable debt ratios majormom@ilhawaii.net enabling them to purchase more house with the cell 936-5100 MLS #655887 $369K Blog forward at www.hawalianrealtyhomes.com FIND MY COLUMN EVERY SUNDAY OF THE MONTH. Watch "HAWAII LIFE" on HGTV! * hawaiianrealty.com hawaiianrealty.com hawalianrealty.com hawailanrealty.com + hawaiianrealty.com hawaiianrealty.com hawaiianrealty.com hawaiianrealty.com hawaiianrealty.com hawailanrealty.com VA BENEFIT: USE IT OR LOOSE IT! A HAWAI'I LIFE EAL ESTATE ROKERS For many vears, it seemed that Hawaii Veterans home loan benefits existed in name only. In fact, the first year I sold real estate, I could find only 1 VA loan on the entire island. I have since been on Cool Views in Mountain View! for the most part, VA benefits are extinguished at zero down programs) cap the borrower's debt ratio death. Vets with existing mortgages should consult at 29-33%, including the proposed house payment, their lender to determine if refinancing into a VA loan is worthwhile. Remember, other government guaranteed loans (Rural Development RD) do not set fimits on the cost of the home but caps on household income keep loan amounts below the median priced Would cap this amount at approximately $413,000. home in most areas. Homes purchased with an RD loan have location restrictions that don't always apply with VA loan. Overall, FHA loans, which are low-down government insured loans are more expensive and more restrictive than VA, Issues with roads, ingress/egress and property condtion have made FHA loans less common in our local market. Considering that VA loans offer no down payment points are negotiable and interest rates are st very low, it's easy to understand why VA loans are sail a popular option in and around our East Hawai neighborhoods. Embracing VA loans offers a good opportunity for sellers while presenting a great same income. While other programs jespecially hawaiianrealty.com 800-667-5028 ext. 8122 Denise S. Nakanishi a mission to educate both buyers and sellers. At RB-17031, ABR, CRS, GRI, SRS that time loan limits hovered around S230,000. Even then, trying to use VA loan benefits seemed impossible in most of Hawai. With increased loan imits it's a great time for my fellow Veterans to VA expands this ratió to 41%. As an example, a dual income family in East Hawai making $5000 per month could qualiy for a VA mortgage of approximately $5i3,000. Other loan programs "Major Mom is a Major Difference" VA also offers a jumbo product up to S1.5mi. VA consider using their Veteran's home lban guarantee. has always been a bit more forgiving about credit Currently, veterans can begin searching "hiccups" than other loan programs. In order to put more Veterans into homes, VA has relaxed many permitting and new buld requirements. So, while it's stil nót possible to build a home using a VA loan, purchasing new construction (and there's stil plenty to purchase) is an appealing possibility. iritunePierakt reasons that using VA benefits make a Mary National Guard and Reserve solders do not kot of sense. It's refreshing to see that realize that they qualify for VA home loan benefits. Maried couples even same sex couples) may qualified Veterans and once again, VA interest rates quality together. Widows of qualified ets can use a spouse's benefits, but children cannot. For this reason, I always encourage Veterans to use their benefit. It's possible to inherit a home but, BEST Hawaii 2021 with confidence knowing their loans can be guaranteed on pricing up to $822,375 (expected to increase later this year) if the veteran qualifes financially. There are New Listing! 3bd, 3ba, 1,119sf, lanai, new appliances, carpet, paint, near park/stores East VA seems willing to bend over backward to assist opbion to use it or lose it for us Vets! are on par or better than prevaling conventional rates. Veterans enjoy higher allowable debt ratios majormom@ilhawaii.net enabling them to purchase more house with the cell 936-5100 MLS #655887 $369K Blog forward at www.hawalianrealtyhomes.com FIND MY COLUMN EVERY SUNDAY OF THE MONTH. Watch "HAWAII LIFE" on HGTV! * hawaiianrealty.com hawaiianrealty.com hawalianrealty.com hawailanrealty.com +