{"id":69100,"date":"2017-11-13T18:14:17","date_gmt":"2017-11-13T18:14:17","guid":{"rendered":"https:\/\/one.sightlinemg.com\/navytimes\/uncategorized\/2017\/11\/13\/7-reasons-to-consider-a-va-loan\/"},"modified":"2026-08-08T13:44:30","modified_gmt":"2026-08-08T13:44:30","slug":"7-reasons-to-consider-a-va-loan","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/va-loan-center\/2017\/11\/13\/7-reasons-to-consider-a-va-loan\/","title":{"rendered":"7 reasons to consider a VA loan"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Just starting your home-buying homework? Still in service, or separated? You\u2019re probably thinking about a VA loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.militarytimes.com\/home-hq\/2017\/11\/15\/survey-young-active-duty-troops-outpace-civilian-peers-in-home-buying-market\/\">Active-duty members<\/a> as well as veterans generally qualify for a VA loan, though the Veterans Affairs Department doesn\u2019t make the loans: It guarantees them, which minimizes lenders\u2019 risks and reduces their losses in the event of a foreclosure. The lenders set <a href=\"https:\/\/www.militarytimes.com\/home-hq\/va-loan-center\/\">the interest rate<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some reasons to consider a VA loan, not necessarily in order of importance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>1. No down payment required. <\/b>Most lenders require a down payment of at least 3 percent of the home\u2019s purchase price, according to Bankrate.com. On a $200,000 loan, that\u2019s $6,000 due up front.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>2. No PMI. <\/b>Many lenders require private mortgage insurance if you make a down payment of less than 20 percent of the purchase price. The most common way to pay for PMI is through a monthly premium, added to your mortgage payment. VA loans don\u2019t require it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>3. No minimum credit score. <\/b>Instead, VA requires a lender to review the entire profile of the borrower in making a lending decision. On average, those who qualify for VA loans have lower credit scores than those who apply for conventional loans, according to data in the Ellie Mae Origination Insight Report. In September, the average credit score for veterans who had closed on a VA loan that month was 709 for home buyers and 701 for refinancing; for those using conventional loans, those figures were 752 and 731, respectively.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">(Get more from Ellie Mae, as well as some myth-busting VA loan details, <a href=\"https:\/\/www.militarytimes.com\/home-hq\/va-loan-center\/2017\/11\/13\/common-va-loan-myths-and-the-facts-to-set-them-straight\/\">here<\/a>.)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>4. No maximum debt ratio.<\/b> However, if the ratio is more than 41 percent of income, the lender must provide information about factors that could compensate for that gap.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>5. No loan maximum. <\/b>There are, however, limits on the amount of liability VA can assume, which usually affects the amount of money an institution will lend. The loan limits vary by county, because the value of a house depends on the location, and <a href=\"https:\/\/www.militarytimes.com\/home-hq\/2017\/10\/19\/va-loan-history-lesson-the-program-in-the-1940s\/\">change over time<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Veterans can borrow up to $424,000 without a down payment in most areas of the country. The 2017 loan limits are the same as the Federal Housing Finance Agency\u2019s limits, which can be found <a href=\"https:\/\/www.fhfa.gov\/DataTools\/Downloads\/Pages\/Conforming-Loan-Limits.aspx\">here<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>6. Safeguards in place. <\/b>There are guidelines to ensure veterans have the capacity to repay their mortgage and other debts while accounting for all living expenses. There are also minimum property requirements to ensure the property is safe, sanitary and sound.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>7. Fighting off foreclosure.<\/b> There are VA staff members dedicated to helping veterans who become delinquent on their loan. In 2016, these staff members helped 97,368 borrowers avoid foreclosure. There were 18,519 foreclosures. \u201cIt\u2019s a start-to-finish program for us, not just close the loan and we\u2019re out,\u201d said Greg Nelms, chief of loan policy for the VA home loan program.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For complete information about VA home loans, visit <a href=\"http:\/\/www.benefits.va.gov\/homeloans\/\">http:\/\/www.benefits.va.gov\/homeloans\/<\/a>. Take our quiz on the home loan benefit <a href=\"https:\/\/www.militarytimes.com\/home-hq\/va-loan-center\/2017\/10\/19\/home-buying-basics-take-our-va-loan-quiz\/\">here<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Starting your house-hunting homework? Here are some VA loan basics.<\/p>\n","protected":false},"author":7,"featured_media":100132,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":29,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[9,29],"tags":[],"coauthors":[3300],"class_list":["post-69100","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-hq","category-va-loan-center"],"acf":{"subheadline":"","legacy_arc_id":"BHFAHGZK2FC7TNAGMLYWYZ2IP4","arc_canonical_url":"\/home-hq\/va-loan-center\/2017\/11\/13\/7-reasons-to-consider-a-va-loan\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"home-hq-layout","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>7 reasons to consider a VA loan - Navy Times<\/title>\n<meta name=\"description\" content=\"Starting your house-hunting homework? 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