{"id":23,"date":"2012-05-06T21:45:40","date_gmt":"2012-05-06T21:45:40","guid":{"rendered":"http:\/\/governmentloanpros.com\/tennessee\/?page_id=23"},"modified":"2012-05-06T21:45:40","modified_gmt":"2012-05-06T21:45:40","slug":"va-home-loans","status":"publish","type":"page","link":"https:\/\/governmentloanpros.com\/tennessee\/va-home-loans\/","title":{"rendered":"VA Home Loans"},"content":{"rendered":"<p><strong>VA Home Loans\u00a0<\/strong><\/p>\n<p><strong>VA Loans<\/strong> are a\u00a0popular VA Benefit of Military Service utilized to buy and refinance homes in Tennessee.\u00a0\u00a0 VA Loans require ZERO down payment up to the county VA Loan Limit, and require NO Monthly Mortgage Insurance.\u00a0\u00a0 VA Loans are also forgiving in regards to Credit Scores, Loans after Bankruptcy, Loans after Foreclosure and Loans after Short Sale.\u00a0\u00a0 As you can see,\u00a0 there are many <a href=\"http:\/\/activerain.com\/blogsview\/2727668\/why-you-should-get-a-va-loan-for-the-purchase-of-your-new-home-benefits-of-a-va-loan\">advantages to VA Loans when compared to Conventional Loans<\/a>.\u00a0 The 2014 VA Loan Limit for is $417K for Tennessee VA Buyers looking to purchase with Zero down. .<\/p>\n<p>VA Guaranteed Home Loans are made by private lenders.\u00a0\u00a0 The VA, ie the U.S. Department of Veteran Affairs\u00a0guarantees VA loans for eligible Tennessee Veterans to purchase a Single Family Home, Condominium, \u00a0or 2-4 unit multi-family home. \u00a0\u00a0The VA guaranty protects the Lender against loss if the Veteran fails to repay the loan due to hardship. \u00a0 No down payment is required on most VA guaranteed home loans and the Veteran borrower usually receives a competitive interest rate compared with conventional loans.<\/p>\n<p><strong>Here are some of the benefits with VA loans for Tennessee Veterans<\/strong>:<\/p>\n<ul>\n<li>100% VA Purchase Loan up to $417,000 in Tennessee for 2014<\/li>\n<li>Zero down payment required \u2013 up to the $417K Tennessee VA Loan Limit<\/li>\n<li>Closing costs are typically lower than conventional or FHA Loans<\/li>\n<li>NO PMI, MIP, or Mortgage Insurance<\/li>\n<li>No Prepayment Penalties<\/li>\n<li>Competitive fixed interest rates<\/li>\n<li>VA loans can be used to purchase Condo\u2019s, Single Family Homes, Townhomes, \u00a0Row Homes, PUD&#8217;s, &amp; \u00a02-4 Units<\/li>\n<\/ul>\n<p><strong>VA Loans After Financial Hardship:<\/strong><\/p>\n<ul>\n<li>VA Loans available in as little as 2 yrs after Bankruptcy Discharge<\/li>\n<li>VA Loans available in as little as 2 yrs after Foreclosure<\/li>\n<li>VA Loans available in as little as 2 yrs after Short Sale<\/li>\n<li>VA Loans after a short sale with NO late payments available sooner!<\/li>\n<\/ul>\n<p><strong>VA Jumbo Loans<\/strong><\/p>\n<ul>\n<li>VA Jumbo Loans allow \u00a0you to exceed $417K \u00a0by contributing a down payment (usually much smaller than what is required on conventional or FHA Loans) \u00a0(also a great option for VA Jumbo Refinances)<\/li>\n<li>VA Jumbo loans can be used to purchase Condo\u2019s, Single Family Homes, Townhomes, PUD&#8217;s, &amp; \u00a02-4 Units<\/li>\n<\/ul>\n<p><strong>VA IRRRL Streamline Refinance Info for Tennessee:<\/strong><\/p>\n<ul>\n<li>Tennessee VA IRRRL Streamlines &#8211; available to lower your interest rate without income verification<\/li>\n<li>VA IRRRL Streamline Refinances are available for Non-Owner, Investment, or Rental Homes<\/li>\n<li>Our VA Jumbo IRRRL Streamline Refinances can exceed your County VA Loan Limit.<\/li>\n<\/ul>\n<p>VA Loans do not require mortgage insurance; however the VA requires a funding fee to issue a guarantee to a private lender against future VA borrower default on a mortgage.\u00a0\u00a0\u00a0\u00a0 The VA Funding Fee can be Financed into the loan (typical) or paid in cash by the buyer or seller.<\/p>\n<p><strong><em>Veterans with a 10% or higher VA Disability Rating are EXEMPT from the VA Funding Fee<\/em><\/strong> \u2013 please ask to see if you qualify.<\/p>\n<p><a href=\"http:\/\/activerain.com\/blogsview\/2729196\/how-tennessee-veterans-can-obtain-a-va-loan-for-their-new-home\" target=\"_blank\" rel=\"noopener\">VA loans<\/a> can be used to buy a Home, refinance your home, consolidate debts, or just lower your interest rate.<\/p>\n<p>VA Loans do require a \u00a0Certificate of Eligibility from the VA. \u00a0which must be obtained to qualify for a\u00a0VA loan.<\/p>\n<p>Call us to get started, we can help you attain your VA Certificate of Eligibility and get Approved for your VA Loan.\u00a0\u00a0 866-435-6553 Toll Free Direct or send us a note.<\/p>\n<div>\n<p>&nbsp;<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>VA Home Loans\u00a0 VA Loans are a\u00a0popular VA Benefit of Military Service utilized to buy and refinance homes in Tennessee.\u00a0\u00a0 VA Loans require ZERO down payment up to the county VA Loan Limit, and require NO Monthly Mortgage Insurance.\u00a0\u00a0 VA Loans are also forgiving in regards to Credit Scores, Loans after Bankruptcy, Loans after Foreclosure [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-23","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>VA Home Loans - Tennessee Government Loan Pros<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/governmentloanpros.com\/tennessee\/va-home-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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require ZERO down payment up to the county VA Loan Limit, and require NO Monthly Mortgage Insurance.\u00a0\u00a0 VA Loans are also forgiving in regards to Credit Scores, Loans after Bankruptcy, Loans after Foreclosure [&hellip;]","og_url":"https:\/\/governmentloanpros.com\/tennessee\/va-home-loans\/","og_site_name":"Tennessee Government Loan Pros","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/governmentloanpros.com\/tennessee\/va-home-loans\/","url":"https:\/\/governmentloanpros.com\/tennessee\/va-home-loans\/","name":"VA Home Loans - Tennessee Government Loan 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