Sir. Excellent video. However, I remain very confused about the interest payments, specifically when are they made. I’ve read that it depends on who is responsible for the financing. If you, the Veteran, are doing a VA construction loan then you will be paying the interest. If your builder holds the financing and you essentially purchase the home at the end of construction from them, they will pay the interest. Additionally, the builder is making interest payments on every draw. You can see my confusion. So, are interest payments made at the end of the OTC? Or are interest payments made monthly or on a timeline established by the lender?
@tinarainey596617 сағат бұрын
What about single Veteran 100%
@gideonhurtault31893 күн бұрын
St.Croix USVI
@valoantips3 күн бұрын
For 2024 its $1,149,825
@shuntaw73313 күн бұрын
Hi, what would be my appraisal cost & due date in Seale, AL?
@valoantips3 күн бұрын
Single family & condos are $600 Multi family are $700 Turn times are 8 business days.
@rv32773 күн бұрын
two questions: -would it be better if i can pay off my car loan now before getting pre-approved? i have the funds but i’m not sure if it’ll make any difference at this point (have about $3k left) -should i pay down most of my credit card balance to have a better debt to income ratio?
@valoantips3 күн бұрын
I think your questions are best answered this way. Don’t think of getting pre-approved as needing to have all your decisions and financial situation in order. During the pre-approval process my team will tell you what makes the most sense. They’ll give you scenarios of how much you could qualify for IF you paid off your car/credit cards and IF you don’t. With that said, don’t over think it. The process is more simple than you think. 😊
@Mike-cc2rm4 күн бұрын
Great info josh, va construction is only for single family or multi family as well??
@valoantips4 күн бұрын
You can do multi family as well. Check out our in depth video where we breakdown the construction loan in detail.
@Migmuffin14 күн бұрын
Can 100% disability service members get their property taxes waved? And can that be used on multiple properties?
@valoantips4 күн бұрын
That depends on where you’re located for the waiver. Also the waiver can only be on the primary residence. Check out our video we did on this topic.
@valoantips4 күн бұрын
How Much Home Could 100% Disabled Veteran Afford In 2024? kzfaq.info/get/bejne/q7V_e5yG2Muql3U.html
@Migmuffin12 күн бұрын
@@valoantips oooh okay thank you!
@ThaBeatCommanDer4 күн бұрын
Need to live in the DMV because of kids and can't move from the area , that being said, with 100% P&T disability and a family you can barely afford a 1 bedroom condo. Actually there might be only 1 or 2 I've seen. Our wages seem to be for renting and doesn't match the cost of living
@valoantips4 күн бұрын
Some areas are tough to get by with just VA Compensation.
@valoantips4 күн бұрын
I’m not sure what you’re looking for in the DMV area but I think having a good team on your side could help you see what’s really possible there. Best of luck! 🙏
@maikygonzalez78865 күн бұрын
Do you offer loan in Florida ?
@valoantips5 күн бұрын
Yes we do.
@maikygonzalez78865 күн бұрын
@@valoantips please any info ? Or number ?
@valoantips5 күн бұрын
If you go to our site valoantipsusa.com and click next steps. We’ll get you connected with our loan team.
@maikygonzalez78865 күн бұрын
@@valoantips 🙌🏻💪🏻
@user-ew6ez7dw6h5 күн бұрын
Can u use a va construction loan with existing home on a new purchase
@valoantips4 күн бұрын
Not unless it’s a tear down. It can’t be on a property where the existing structure is going to stay.
@victoriamorales82216 күн бұрын
Can a veteran use a VA loan for a custom barndominium with land purchase in TX? Residential use.
@valoantips6 күн бұрын
Yes they can. Check out our video breaking down the details of VA One Time Close
@valoantips6 күн бұрын
VA One-Time Close :: How To Get A Construction Loan With A VA Loan kzfaq.info/get/bejne/arKWY7eivJusZ5s.html
@tinarainey59666 күн бұрын
You just won me over :: 🙌🏾
@valoantips6 күн бұрын
Thanks for watching!
@desmondsmith2926 күн бұрын
What all do they consider income ? For example does GI bill benefits income from school plus disability count?
@valoantips6 күн бұрын
Great question. GI Bill does not count as income but VA disability does count. I can put together a video on different types of income in the near future.
Thank you for the good information. Do you have a video on w2 to 1099 .ie truck drivers I just purchased my first house last December on w2 now I’m 1099 but want to purchase another home this December
@valoantips7 күн бұрын
Congratulations on your first home! Thats exciting. I don't have a video on that topic but I'm happy to work on something like that.
@ceochariots51425 күн бұрын
@@valoantipsthankyou
@bertramgoldson50338 күн бұрын
A good additional to your topic is to discuss some software tools or website that can help you manage your house hacking property.
@valoantips7 күн бұрын
Thank you for your feedback. I can definitely do that.
@user-ew6ez7dw6h8 күн бұрын
Can u build on a lot with an existing home in a single purchase or would u have buy the house then do another va loan to build?
@valoantips6 күн бұрын
Only if the existing home was a tear down. You won't be able to build if you're going to keep the existing property there.
@jejohn36768 күн бұрын
What if you already own land?
@valoantips7 күн бұрын
Great question. If paid off, you would only finance the construction. If its not paid off then you would combine the balance owed from the land with the construction cost.
@maikygonzalez788610 күн бұрын
Did you have VA expert in Orlando Florida to help me with the process?
@valoantips10 күн бұрын
I have a several people on my team licensed in Florida.
@maikygonzalez788610 күн бұрын
I like so much you videos 🙏🏻🙏🏻🙏🏻 help a lot of people Some friend send me you KZfaq channel because I will get on my first va loan investment also he share me you contact number fir any questions 💪🏻💪🏻💪🏻💪🏻 Thanks for take veterans on your shoulder and help them
@valoantips10 күн бұрын
Thanks for watching. I’m glad they’ve been helpful. 😊
@dawdles118210 күн бұрын
Lighting looks good and If you're ever struggling with that key lights position, try raising the arm on your glasses, where they sit on your ears, to push the reflective plane on your glasses angled more towards the ground. Wont be sitting on your ears, slightly above, you can bend the arms inward slightly so they grip your head before hand. Wont have to hat it up either. Great info! Pumping it out at a high quality too!
@valoantips7 күн бұрын
Thank you for the kind words. I actually like wearing hats which is why I wear them so much. But you're right it also does help with lighting.
@kalifalettine473213 күн бұрын
can you cover presale vs construction loans
@valoantips13 күн бұрын
Absolutely! 😊
@kalifalettine473213 күн бұрын
Bulverde, texas
@valoantips13 күн бұрын
$766,550 is the county limit for 2024
@hignass582613 күн бұрын
Is TN a Landlord friendly state? Do U help people do VA loans in TN?
@valoantips13 күн бұрын
From the research that I have done, it does seem like Tennessee is landlord friendly. Please do your due diligence to read up on how things work there.
@lavidalocariri571013 күн бұрын
What is your name and your company’s name I will be reaching out soon
@valoantips13 күн бұрын
My name is Joshua Payne. You can contact us via our website www.VALoanTipsUSA.com
@desmondsmith29214 күн бұрын
Back in 2016 i was told 640 was minimum. Now i see it’s no requirement
@valoantips14 күн бұрын
There was no minimum in 2016. Lenders just make it seem like whatever their minimum is, will be the minimum everywhere.
@rolldat5ye14 күн бұрын
Can you build a house with the loan on land you already own ?
@valoantips14 күн бұрын
Great question. Yes you can.
@freelancerlemon0714 күн бұрын
Your videos are very Good. But I see your videos are not SEO-optimized & you are not getting enough views. I am a KZfaq video SEO expert. If you want I will cooperate you get more views on your KZfaq channel videos. Are you interested?
@yourmortgageadvisor768417 күн бұрын
There are lenders that offer VA reno loans
@carlosfelix585618 күн бұрын
What is the best way to structure an IUL? What options should one choose to accumulate cash value quickly? How should one structure their policy so it doesn’t become a MEC?
@valoantips18 күн бұрын
Thanks for watching. I would recommend talking to a financial planner.
@ceochariots514220 күн бұрын
Liberty county tx
@valoantips19 күн бұрын
For 2024 it’s $766,550
@aftech726820 күн бұрын
What is a barndonimium in thought VA dont fund barn type homes …. I have a garage type home on a land that i want to buy .. half completed … can i get a va loan on this ? If so whats please provide your phone number i need to buy this property and the land it sits on ASAP
@esmeraldawilliams22 күн бұрын
Great information!! Thank you for sharing.
@valoantips21 күн бұрын
Glad you enjoyed it!
@reaccionapuertorico22 күн бұрын
Help this channel grow 👍🔁✅🛎️
@valoantips22 күн бұрын
Thank you for the love and support. 🙏
@valoantips22 күн бұрын
The best ways to get in touch with the VA for assistance with mortgage payments include: - **Call the VA Loan Center**: You can reach out to the VA's Regional Loan Center by calling their toll-free number at 1-877-827-3702. They can provide guidance and connect you with a loan technician. - **Visit the VA's Website**: Go to the VA's official website, [va.gov](www.va.gov/housing-assistance/home-loans/trouble-making-payments/), to find more information about mortgage assistance programs and contact details. - **Contact Your Loan Servicer**: Your loan servicer can also provide information on how to get in touch with the VA for assistance. They may work directly with the VA on your behalf. - **Email**: You can send an email to the VA’s Home Loan Guaranty Program at [[email protected]](mailto:[email protected]) for inquiries and assistance. - **Local VA Office**: Visit your nearest VA regional office for in-person assistance and guidance. Using these methods, you can get the support you need from the VA to manage your mortgage payments effectively.
@noelgarcia690524 күн бұрын
Thanks for the info, great video! Are you able to assist with Construction Loans in California?
@valoantips24 күн бұрын
Yes we can.
@markbrown229626 күн бұрын
Do you lend in Kentucky?
@valoantips26 күн бұрын
Yes we do
@markbrown229625 күн бұрын
@@valoantips Ok!
@jpthebusinessman28 күн бұрын
Its possible with a VA renovation loan
@cweb37200528 күн бұрын
My question are you a veteran or non veteran
@robertrobinson2013Ай бұрын
Do you offer loans in Georgia?
@valoantipsАй бұрын
Yes we do.
@viviancoleman8417Ай бұрын
Is there a way to flat out buy a rental property so we don't have to live in it for a year first? Both my husband and I have the VA Home Loan benefits, so my question is could one us buy a home to live in and the other buy a rental property right off the bat?
@valoantipsАй бұрын
Not with a VA loan. You would have to occupy the property as the primary residence for 1 year even if you both have your own entitlement.
@viviancoleman8417Ай бұрын
@@valoantips gotcha thank you! And this requirement is only with the Va home loan correct ? so there are other home loans out there we could utilize where living it in for 1 year is not mandatory ?
@valoantipsАй бұрын
@viviancoleman8417 you would have to purchase it as an investment property with a conventional. Down payment would be about 25% of the sales price.
@viviancoleman8417Ай бұрын
@@valoantips It’s all coming together now. Thank you so much!!!
@amritanandpathak1112Ай бұрын
Hey I am a freelance video editor and animator. I have experties in editing videos related to tech reviews. Would you consider giving me a chance to work with you? If yes then please give me a response.
@DadsTravelАй бұрын
I have piece of land that needs a well and power can I still use my VA Homeloan ?
@DemiMoore-r6lАй бұрын
Can the property inspection be Skipped, if I have a trusted realtor.
@valoantipsАй бұрын
You don't NEED a property inspection but you should definitely get one. A realtors job is not to determine property condition.
@DemiMoore-r6lАй бұрын
@@valoantips thank you very much.
@DemiMoore-r6lАй бұрын
Please I'd like to know more about the property inspection, after pre approval
@valoantipsАй бұрын
I have a whole video about property inspections and appraisals.
@valoantipsАй бұрын
kzfaq.info/get/bejne/hqimiptq0N3bmZs.html
@valoantipsАй бұрын
kzfaq.info/get/bejne/ermhhqiHkrzLpqc.html
@kareembigdreamАй бұрын
Thank you brother
@valoantipsАй бұрын
Happy to help!
@Shalash9283Ай бұрын
Completed my 6 years with the National Guard, but the VA just replied, "The Veteran does meet the requirements for the Length of service. However, the points are needed for Reservists/National Guardsmen to qualify for a Certificate of Eligibility." I've never heard of this point system before. I hope I can find it in one of those NGB documents once I can get a hold of them.
@valoantipsАй бұрын
Hey, I did some digging and yes the points system is accurate. They're trying to verify that during the time of service that you completed or satisfied all the obligations during the time you were in.
@herimagallanes95854 күн бұрын
Yes it’s called an RPAM 23B or 23A I use to provide these letters for the vets or who ever was going to use aVA loan
@dr.banknotes4796Ай бұрын
This is great work sir. I was wondering if lenders are still allowing VA Disability & SSDI income to be grossed up by 25%?
@valoantipsАй бұрын
Thank you. Yes you can gross up non-taxable income.
@williswellness7802Ай бұрын
Thanks for this info! Can you provide help for veterans in Washington?
@valoantipsАй бұрын
Yes we can.
@oscarcampos4113Ай бұрын
The last number you come up with "Money you have available to purchase a home" (on your 1st example was $445,390) - question: If the house is worth (appraised/sales price) $500,000 does this means the VA has to come with $54,610 down payment? That is the logic?
@valoantipsАй бұрын
The VA does not bring anything. They are not giving the money for the loan. The lender is. The lender would make your down payment be $13,653 and your loan amount $486, 347.
@oscarcampos4113Ай бұрын
@@valoantips So the client has to bring 25% of the gap, correct? that's how you arrived to $13,653
@oscarcampos4113Ай бұрын
@@valoantips By the VA I meant the Borrower VA, apologies