VA Loan Process

Security America Mortgage is dedicated to making the VA loan process clear to enable the Military Veteran in finding the best home for them.

Searching for a new home can be an exciting, but challenging experience. Having real estate professionals that take the time to understand your unique needs and lifestyle is important. Our experienced professionals work hard to find you the perfect home and ensure that each detail of the purchase process is handled with care. From negotiating the terms of the sale to recommending moving companies, our agents treat each client like family and work from start to finish, not just 9 to 5.

Step 1: Decide to Buy and start the VA Loan Process.

The decision to purchase your first home is one of the biggest and best decisions you could ever make. After all, a home is the largest (and most emotional) investment most people will ever make. So, how do you know if it’s the right time for you to buy your first home?

Step 2: Hire Your Agent in the VA Loan Process

When you’re looking for a real estate professional to help you, know that above all else, good agents put their clients first. This is your dream, and your agent is your advocate to help you make your dream come true. Using the VA Loan process a great real estate agent will:

Step 3: Secure Financing

Ultimately, your lender will pre-approve you for a certain amount, but YOU will decide what you’re comfortable paying every month. Remember, your lender only sees your finances on paper. It’s up to you to decide how much you’re willing to stretch your budget in order to get into your dream home. Be sure to follow these six steps to financing your home using the VA Loan process.

Step 4: Find Your Home through a great real estate company like  Security American Realty in the VA Loan Process.

So you are preapproved and ready to begin your search. But how or where do you begin? There are a lot of homes out there and diving in without a guide can become overwhelming and confusing. A great agent will help you more accurately pinpoint homes that fit your criteria. The right home will meet all your important needs, and as many of your additional wants as possible. Some questions you might ask yourself include:

You’ll learn as you look at homes, your priorities will probably adjust along the way.

Step 5: Make an Offer through a qualified Realtor who knows the VA Loan Process.

Once you’ve found a home you love, the next step is making a compelling offer. While emotions are probably in high gear once you’ve found a home you love, it’s important to remember that a home is an investment. Your agent will research similar properties in the neighborhood to help you determine the market value, and fair price, for your home. Look to your agent to explain and guide you through the VA Loan process.

Step 6: Perform Due Diligence such as a termite inspection, home inspection, appraisal and more to follow the VA Loan process. Just because you love a particular property doesn’t mean that it’s perfect. In fact, this is where reason has to trump emotion. You’ll need to have a property inspection (which we highly recommend you attend) that will expose hidden issues. This way you’ll know what you are getting into before you sign closing papers.

Step 7: Close on a VA home loan

Once you’ve made your offer and have completed the inspection process, you’re in the “home” stretch! But, in order to ensure that you don’t put your closing date, or your mortgage at risk, you have a few pre-closing responsibilities that you’ll need to be mindful of. These include:

Step 8: Protect your number investment of VA home loan ownership. Congratulations, and welcome home! The VA Loan process is complete, but just like any big process, there’s a maintenance plan! It’s now your responsibility, and in your best financial interest, to protect your investment for years to come. Performing routine maintenance on your home’s systems is always more affordable than having to fix big problems later. Be sure to watch for signs of leaks, damage, and wear.  And remember, just because the sale is complete, your relationship with your agent doesn’t need to end! After closing, your agent can still help you – providing information for your tax returns, finding contractors and repair services, and even tracking your home’s current market value.

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