VA Home Loan

Know the Facts About Your VA Loan Benefits

There’s a lot of misinformation out there about the VA loan. Here are some key facts every veteran should know:

You don’t have to sell your current VA-financed home to use your VA loan again.
VA loans typically offer lower interest rates compared to other loan programs.
There’s no limit to how many times you can use your VA loan, and there is NO max purchase price.
National Guardsmen and Reservists DO NOT need to deploy or serve six years to qualify. 90+ days on active orders (with at least 30 consecutive days) may qualify you. Let’s discuss your eligibility.
You don’t need to contact the VA to get started. I’m your one-stop shop for everything VA loan-related.

If you’re ready to take advantage of your VA loan benefits, let’s connect and make your homeownership goals a reality!

Your VA Loan Subject Matter Expert

Misinformation has always been a concern for me, which is why I’m committed to providing accurate, reliable guidance on VA loans. As an expert in the field, I assist veterans, realtors, and agencies nationwide with their VA loan questions. From preapproval to post-purchase needs, I remain a trusted resource, connecting you with top professionals to ensure a smooth and successful homeownership journey. And of course I was double fisting in this photo...I'm a Veteran after all.

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VA Loan Assumptions

Curious about VA loan assumption? It allows a qualified buyer—Veteran or not—to take over a seller’s VA loan, often with a lower interest rate and reduced closing costs. Watch the video to learn how it works and why it can be a huge win in today’s market.

💵 Funding Fee: Let's Save You Some Money 💵

If you possess a VA disability rating of any percentage, the funding fee is waived for you. Not holding a rating yet? Let's discuss. I can introduce you to a specialist who can guide you in initiating your claim. I'd advise you to fill out the documentation via this link before finalizing a home purchase. This way, should your claim gain approval, we can ensure you receive a refund. To delve deeper into this, give me a ring at 612-408-1953.

VA Intent To File

Property Taxes: Disabled Veterans

Veterans who are totally and permanently disabled (100% T&P) are eligible for a valuation exclusion of $300,000 on their property tax value. Veterans who are not totally and permanently disabled, but who have a disability rating of 70 percent or higher, are eligible for an exclusion of $150,000. If a qualifying veteran does not own a house, but has a designated “primary family caregiver” who does own a house, the caregiver can receive the exclusion for the time he or she continues in that role.

Homestead Valuation Exclusion Form

The VA Funding Fee

A VA loan advantage is the option for a zero-down payment. However, a funding fee is required, which many buyers incorporate into their mortgage. This fee is exempted for those with a VA disability rating of 10% or higher.

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Status Definitions

For sale: Properties which are available for showings and purchase

Active contingent: Properties which are available for showing but are under contract with another buyer

Pending: Properties which are under contract with a buyer and are no longer available for showings

Sold: Properties on which the sale has closed.

Coming soon: Properties which will be on the market soon and are not available for showings.

Contingent and Pending statuses may not be available for all listings

Brad Williams