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Want a VA LOAN as a first time home buyer

i am overwhelmed by all the info online but basically i have good credit history (735) and my debt is 32% of my income. i want to find a va loan in Illinois or surrounding states by waynerakash089624 from Du Bois, Illinois. Jun 11th 2015 Reply


James Barath (JamesBarath)
#9 ranked lender in Indiana - 351 contributions

No need to feel overwhelmed Wayne. As a Certified Military Housing Specialist, my team can walk you through the VA Guaranteed Home Loan process so that you have confidence about your home purchase. My team can help you in the states of Illinois, Indiana and/or Michigan. Visit www.HomeLoanforVeterans.com or call me at 219-662-0166 x21 today!

Jun 11th 2015
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William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,726 contributions

You shouldn't have a problem but we would need more info to be more precise.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Jun 11th 2015
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Kay Cleland (kay@kcmortgagecolorado.com)
#31 ranked lender in Colorado - 225 contributions

Great day to you Wayne, I would suggest that you go to the NAMB, Association of Mortgage Professionals and find a Local Mortgage Broker in your area. www.namb.org .. They will be able to sit down with you and go step by step to help reduce your feeling of being overwhelmed. I am a USA Cares, Military Specialist in Colorado, so I cannot do your loan, but am available for questions. VA is a wonderful product with 0 money down to purchase a home. You can find more information at www.va.gov Thank you so much for your service. I am truly grateful.

Jun 11th 2015
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Phil Dumouchel (PhilDu)
#32 ranked lender in South Carolina - 2,240 contributions

You'll have lots of options for good lenders - let them figure out the details for you - we're the experts. However, it may depend on which state you are looking in as licensing can vary. Also, remember you need to live within a reasonable commuting distance of your employment (if any). Let me know if I can help, licensed in most states.

Jun 11th 2015
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Jericho Cherry (Jerichocherry)
#56 ranked lender in Virginia - 1,107 contributions

Based on the information that you have given, you should not have any problem providing you meet all the other qualifications.

Jun 11th 2015
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From my point of view, you should contact a Local Mortgage Broker and apply with them. Because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. The more lenders, the more lending options, and the more likely your scenario will be accepted. They will first check your complete loan profile, then they will advise you properly. I have taken my home with the help of broker and found it most suitable, you can contact them too their office is in IIlinois, and their website is http://valoansfinance.com/

Jun 15th 2015
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