Thank you for watching.

You beat me to it. Thank you Jewell!

Good morning! Thanks for watching. Everything was done over the internet. You do not have to meet in person to do anything throughout the whole process. Print, sign, scan and email any documents that need to be signed. We had an inspector recommended to us by a friend of ours who has his own construction company. Our inspector was very thorough. He took his time on both houses we had him inspect. It took my minimum 3 hours to inspect. The bigger the house, the more time it takes. There is no hourly rate. It's a flat rate. Check references and reviews for whoever you are going to hire. VU set up the appointment for an appraiser to come out. We did not have to be at the new house for them to do it. The time it takes for the appraiser to come out depends on who they use and how busy the company is at that time. Keep in mind that the spring is when many people begin to put their homes on the market since their children will be out of school for the summer and people tend to move away at that time because they do not have to pull their children out of school in the middle of the semester. That being said, many houses come on the market and appraisers are busy. For us, from the appointment set up day to the end of inspection and them writing the report for Veterans United was probably 7 days. There was no set amount of money you need to have in your account by the end of closing. They just want to make sure you aren't going to be flat broke when you close. I made sure to let them know that what we had in our account at the beginning of the process would be different because it was around tax time and we owed, but also would be getting a good amount back. My skin? I use Ambi soap and Walmart brand (Equate) eczema lotion (though I don't have the condition. It just moisturizes well). Thank you. I hope this helps.

Congratulations on your new home. With closing so quickly, I guess you found a home fast and it had no issues like the first two homes we looked at...

@@JewellMichaelRealty yes I had been looking around, I had some very specific things I was looking for, and have been going to open houses for a few months before I actually wanted to buy. So I do think that helped with me getting my finance closed so quickly.

@@flyyandfit was it a new-build home?

No, it was a resale property. The home was built in 2003. I'm scheduled to pick up my keys today ☺

@@flyyandfit yay! We are about to do a project on ours. We're going to paint the kitchen cabinets white. I'm so excited 😁

Hey Rick I am in Denver CO now searching for a home soon...can you send me your contact.

@@TheStscrew absolutely!! 720.460.0830. I'm looking forward to hearing from you and serving you in your search for your home.

Thank you. Im glad this was information. Congratulations on closing soon.

😮 thank you for your service, sister! ⚓🚑

@@JewellMichaelRealty You as well!!

I am grateful to you for watching and I hope everything goes well for you on this journey. We are strongly considering refinancing within the next few months.

Thank you for watching. I truly hope this helps. 😃

Thanks 😊

Thank you so much

Thank you. I'm glad this helped you. Thanks for watching.

I understand. But they are really good and they will let you know what documents they need from you and when. They work hard so you don't have to stress. I wish you will in this process. Thank you for watching and thanks for the feedback. ♥

What I appreciate is how everyone on a certain team is always on the same page. I hope you finish well.

Wow! I am so sorry to hear that. I would think they would have gotten all the info from you before you even found a house. I think pre-qualified means that you seem to be qualified until you all go thru the process and all the paperwork work is received from you and they review it. I know that they warn not to get into any new debt during the process until after you close on a house. I guess people tend to get too excited and start using their credit cards and buying cars before they close on a house. Then what happens is VU reviews credit scores, income and debt during the process and they see all the new debt that's been acquired (that wasn't there in the beginning of the process.) I'm not saying this happened to you, but it is the reason why some veterans are denied after being pre-qualified.

We had an agent before applying. So I'd say do your research and choose an agent who has experience working with veterans.

@@JewellMichaelRealty Thanks! I really appreciate your reply 💯

Thank you for watching my video.

You as well, brother.

Yes. Since it was a new house at the time, so there wasn't much in that space to absorb the sound.

Jewell Michael I kind of figured lol

That's correct! Just send them the letter thru email or they can get it themselves really quick.

What you'll give them is a COE or Certificate of Eligibility

I’m confused with origination fee and VA funding fee.... so does that mean I don’t pay both?? Because of my disability rating?????

@@peoplepodcast9194 with Veterans United you don't have to pay a VA funding fee (called origination fee if you're getting a convential mortgage ie other than a VA loan). If you go with a lender other than Veterans United the lender is allowed to charge 1% of the loan value that's due before the lender starts the loan application. If you go with Veterans United and have a disability, the funding fee/origination fee is waived. You should never have to pay both as they are pretty much the same thing. A Veteran without a COE should not pay both because that's just like getting charged twice for the same thing.

@@peoplepodcast9194 ,I'm not sure if it is an Illinois only thing but a service disability here can get you a reduction on your property taxes. I have a friend who has 75% disability from his service and he pays $0 in property taxes.

Please let me know how it goes.

I'm not sure of the exact amount but Veterans United is required of see your bank statement. They want to make sure you will not be flat broke after you get the house. Perhaps this gives them assurance that you are financially responsible and are able to make payments to them. With us, we applied and got approved the first week of January so we let our team know we had to pay taxes, and also that we had a tax return coming into our account. This was to let them know that our account would show differently than it initially did when we applied. Once we got the house, it was almost 2 months before our first payment was due. That will also help you to recoup some of the money you spent on movers, uhaul truck, inspection, etc (these will also be part of your housing allowance come tax time next year). I would say a good starting point would be to have at least 5G in your account and let them know that with your tax return, you'll have more money coming in.

I don't know what you are talking about. I have no control over what ads, or lack there of, will be shown during my content. Also I do not see the correlation of your comment on commercials and "helping veterans."

If you read the title, it says, "My" experience a d obviously with anything, everyone's experience may differ slightly. Thanks for watching.

It wouldn't hurt to start looking at areas where you would like to live, and checking property taxes, crime rates, and schools ratings. You also have to consider the HOA fees. Since you won't know how much you will be pre-approved for, perhaps look at homes between $170,000 and $250,000.

Jewell Michael thank you for your quick reply, and for your video! We are unsure which lender to go through...and I’m between navy federal, usaa, and veterans United. So this was super informative! Thanks again

One month. That's why I was saying if you find a home fast and everything goes well with no issues, it can take as short as one month.

Closing costs is something your real estate agent negotiates with the sellers real estate agent. You may have to pay it, you may not. But Veterans United cannot make a seller pay full or partial closing costs. They have nothing to do with any negotiations regarding what the Veteran pays for the house neither do VU have any say so regarding closing costs. Negotiating is the responsibility of the buyer (veteran and his real estate agent).

VU wants to make sure the borrower will not be broke after closing costs and inspection. If you have a decent amount of money in your account (they will ask for statements), and a steady income, no crazy debt or anything in collections, I don't see you being passed over for a loan.

Jewell Michael Ok thank you , I just have my car loan for like $3000 left , that’s all ... I sent them all my docs , so fingers crossed . thank you for your video.

@@bdon2991 I hope you hear back as soon as possible with this virus going around. I'm hoping for the best for you, man. Keep me updated.

Jewell Michael will do thanks.

No money down. That's one of the beauties of doing business with them.

They're telling me $7,500 here in SC. I'm 100% disabled vet.

I would use them again on our next house in 10 years. I went with them because their business is VA home loans and that's it. Since that's their mission, they are experts and have no other priorities except to get Veterans a home loan. USAA, for example, isn't as well versed because they are a bank and insurance company first, thus, that's where their expertise lies.

They do not check it once you get the clear to close. Since you are in the "clear to close" step, that means they didn't find anything in your credit history to prevent you from closing.

Thanks so much

I'm afraid not. We don't show too much over the internet.

Being that it was a new house, it was empty room and there was nothing at could do to fix that. But if you have any questions, feel free to look at all the other comments, questions, and answered that have been asked and answered. Perhaps you have the same questions as many others that I have answered.

Sorry for the late reply. A little over $800, not going including home owners insurance.

@@JewellMichaelRealty wow that’s a great payment 👍

Yes, the origination fee is what you will pay the lender for starting the loan process. Veterans have the privilege of not having to pay that. Closing costs is the money it takes to close the loan and some of that money is for the title/deed, lawyers, etc. You can negotiate the closing costs with the seller. Like, they can pay half of it if there are any things that need to be fixed on the house that will come out of your pocket as the new owner, or if you pay the full asking price of the house, have them pay closing costs, etc. You can bargain with the seller on the closing costs. If they are fair sellers, you shouldn't pay all of the closing costs, especially if they want that house to sell.

@@JewellMichaelRealty thank you so much for your video it really helped! He’s the veteran and I have the income for right now because he’s been out of a job it we don’t want to rent anymore. I’m just excited to get a house! Thank you for making this video and helping us!!

@@Validyk you are welcome. I hope everything works out for you both. We were renting before we closed on a house and the rent was $300 more a month than the mortgage we have now. I am glad this video helped you. ❤️

@@JewellMichaelRealty I have a question for ya! So my fiancé and I are getting married this week. I have been the one working and supporting us and he’s the actual veteran. He was only going to take a year off woek but due to the pandemic in 2020 he couldn’t find anything. And they told me today that he needs a stable job which is has been waiting for orientation, he’s been doing side jobs here and there. But I didn’t know that for a va loan it requires both spouses to work. A lot of ppls I know have one working spouse. I’m so flustered because I was thinking wencould buy a house soon but now I’m being told we definitely can’t for at least a year. I have great credit and make a decent salary and even have a paid off house that my mom lives in. But I also live in Los Angeles :( house prices are insane

@@Validyk well, I am the veteran and my husband is not. He works and I'm a stay at home mom. When we applied for the loan, he was at his current place of employment for 9 months. We were renting and started looking for a house three months prior to our lease expiration date. By the time we closed my husband was at his place of employment for 1 year. They required him to have a letter from his employer with his start date, yearly salary, and pretty much a statement saying he would be there permanently. Veterans United also called his employer and verified his salary over the phone. Veterans United required my husband's employer to send them paperwork with his weekly payments. There is a technical term for it but I cannot remember what it's called. VU also wanted proof from our credit union weekly deposits from my husband's employer. So what I'm saying is, it's not necessary that both spouses work, but rather they want to ensure that there is steady income coming in to repay the loan.

Send a message thru Facebook messenger. Look me up under Jewell Michael. You'll know it's me; profile picture is an interracial couple.