Carlos Scarpero- Mortgage Broker

How To Use A VA Bonus Entitlement Calculator

Va entitlement calcuator

How To Use A Va Bonus Entitlement Calculator How To Use A VA Bonus Entitlement Calculator Table of Contents Key Takeaways Why Bonus Entitlement Matters When You Have Multiple VA Loans Gather What You Need: Your Certificate of Eligibility and Property Info Using the VA Bonus Entitlement Calculator Step-by-Step Important Details to Keep in Mind […]

Can You Have Two VA Loans At The Same Time

Having two VA loans at the same time

Add Your Heading Text Here Can You Have Two VA Loans At The Same Time? Table of Contents Key Takeaways Introduction Can You Have Multiple VA Loans? Why Would Someone Want Multiple VA Loans? Understanding VA Entitlement and Foreclosures Bonus Entitlement and Loan Size Considerations How to Calculate Your VA Entitlement Summary and Final Thoughts […]

Can You Get A Va Loan With Bounced Checks?

VA loan and bounced checks

Can You Get A VA Loan With Bounced Checks? Table of Contents Key Takeaways Introduction Understanding the VA Handbook and Bounced Checks Lender Overlays and Underwriter Discretion What Underwriters Want to Know Scenario #1: Too Many Overdrafts — Loan Denied Scenario #2: Honest Mistake and Job Upgrade — Loan Approved When to Wait Before Applying […]

VA Reno vs 203k…..Which Renovation Program Is Best?

VA Reno vs 203k: Which Renovation Mortgage Program Is Best? Table of Contents Key Takeaways What Is a Renovation Mortgage? The VA Renovation Loan: Benefits and Limitations The FHA 203k Renovation Loan: Flexibility and Costs Comparing VA Renovation and FHA 203k Loans Which Renovation Loan Should You Choose? Important Tips for Using Renovation Loans Frequently […]

The VA Energy Efficient Mortgage (EEM) : The Complete Guide

The VA Energy Efficient Mortgage (EEM) : The Complete Guide Table of Contents Key Takeaways What Is the VA Energy Efficient Mortgage (EEM)? Eligible Energy Efficient Improvements Loan Amount Limits and Justification Requirements Appraisal and Loan Amount Considerations Using the VA EEM: Purchases and Refinances How Repairs and Improvements Are Completed Challenges and Availability of […]

Bad Credit VA Loans…..All Your Questions Answered

Bad Credit VA Loan…All Your Questions Answered Frequently Asked Questions What is a minimum credit score to get a VA home loan? What are lender overlays? Can manual underwriting help with approval? What are extenuating circumstances? Some people say the VA loan doesn’t have any rules about credit issues. Is that true? Can I really […]

Can A Second Job Income Be Used Toward Qualifying on VA?

Can A Second Job Be Used For VA Qualifying Income? Table of Contents Key Takeaways Understanding When Second Income Can Be Used for VA Loans Scenarios Where Second Income Can or Cannot Be Used What To Do If Your Second Income Cannot Be Used Why You Should Work With a Knowledgeable Mortgage Broker Summary and […]

How To Get A VA Home Loan With Bad Credit

How To Get A VA Home Loan With Bad Credit Key Takeaways Guideline Key Takeaway Minimum Credit Score No official VA minimum, although many lenders will set their own minimum standards VA Flexibility VA allows manual underwriting for lower scores with compensating factors Recent Payment History Last 12 months of on-time payments crucial for approval […]

Are You Trusting Experts For Your VA Mortgage Advice?

Are You Trusting Experts With Your VA Mortgage Advice? Key Takeaways Not all mortgage advice online is accurate, especially regarding VA home loans. Verify if the advice provider is a licensed loan officer by checking their NMLS number. Look for references to official VA guidelines or handbooks to ensure advice is current and credible. Understand […]

Can You Buy A High End Property With A VA Loan

Can You Buy A High End Property With A VA Loan? Key Takeaways Yes, you can buy a high-end property using a VA loan with no money down if you have full entitlement. The VA jumbo loan program allows loans above the conventional Fannie Mae loan limits without requiring a down payment under certain conditions. […]

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