I don't do a bit of everything. I do VA loans, all day, every day — which is why I catch the things a generalist misses. Here's what that actually covers.
Buying your first home with your VA benefit
No down payment, no monthly mortgage insurance. Most first-time buyers I talk to have been told they need 20% down or that their credit is too low. Usually neither is true. We'll find out in one conversation what you actually qualify for.
Using the benefit again
Your VA entitlement isn't one-and-done. If you already own a home with a VA loan, you may still have entitlement left — enough to buy again before you sell. Most loan officers don't know how second-tier entitlement works. I do this every week.
Refinancing
Two paths. A streamline refinance lowers your rate on an existing VA loan with minimal paperwork and no new appraisal in most cases. A cash-out refinance turns equity into money you can use, and can also move you out of a conventional or FHA loan into a VA loan. Which one fits depends on your numbers, and I'll tell you honestly if neither does.
Assuming a VA loan
If a seller has a VA loan at a low rate, that rate can sometimes transfer to you. It's one of the most underused moves in the market right now and it is easy to get wrong. This is the topic my viewers ask about more than any other.
Buying a multi-unit property
You can use a VA loan on a two-to-four unit property, live in one unit, and rent the others. It's the fastest legitimate path from homeowner to investor I know of, and it's fully within the rules — but the occupancy and income requirements are specific.
Working with your agent
A lot of VA offers get passed over because the seller's agent has heard something wrong about VA loans. I'll call them myself and clear it up. That call has won more than a few of my clients their house.