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Military Movin’

Amy Hess


Military Movin Blog

Recently, some clients thanked me for helping them with their VA loan. They were moving to Scott Air Force base in Illinois and looking for their first home. They shared:

“Amy helped us with a VA loan for our new home and was extremely helpful throughout the process! This was our first VA loan, and she helped to explain all of the nuances that go along with it. Her team was very responsive with any questions that we had.”

Another client shared:

“Amy goes beyond the ‘call of duty’ to make sure you know everything going on with the buying experience.”

Both of these testimonials are from nice families who were able to find their dream home in their new town. They just so happened to also be a part of the military. This made me think, “Why aren’t I sharing my knowledge on VA loans with others who may have the same questions?”

Let me start with a few facts:

  1. VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran affairs (VA) to eligible veterans for the purchase of a home.
  2. Great advantages of the VA loan program include no private mortgage insurance required, no pre-payment penalties, counseling and assistance for veteran borrowers having financial difficulty or facing default on their loan, and many more.
  3. Although mortgage insurance is not required, VA charges an upfront funding fee to issue the guaranty. This fee is typically financed into the loan amount, but may also be paid in cash by the buyer or seller.
  4. A VA loan can be used to buy a home, build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather stripping/caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA. Veterans can apply for a VA loan with any mortgage lender that participates in the VA home loan program.
  5. VA loans require zero dollars for down-payment, low interest rates, and low mid-credit score requirements.

Now, let’s debunk a few myths on VA loans:

  • *You have to be a veteran or disabled to qualify for a VA loan—FALSE
  • *VA borrowers can only have one VA loan at a time—FALSE
  • *You can only get one VA loan in your lifetime—FALSE
  • *VA loans take forever to close—FALSE

– AH

Amy Hess

Amy Hess  

Amy Hess is a Senior Mortgage Banker at our Chesterfield, Missouri Office. Do you have questions about VA loans? If so Amy would love to connect with you and discuss your loan!     View Amy’s Profile & Contact Information

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