“Do I qualify as a first time home buyer?”

This is a question I hear often. Hearing the words “First Time Home Buyer” usually makes you think of someone who has never owned a home. However, there are some exceptions to that rule that may surprise you. Here are three things that qualify you as a First-Time Home Buyer. The 3 Year Rule “An […]

Credit scores Credit Karma vs FICO

Credit Karma is the most widely used credit monitoring website. It’s a great resource for keeping an eye on your credit. But… Did you know that the credit scores you see on Credit Karma aren’t the same ones a lender uses? Lenders use the FICO scores and Credit Karma uses the Vantage score model. So… […]

Exemptions for Disabled Veterans

Disabled veterans have a couple exemptions that really help with the cost of their homes. Funding Fee Exemption Veterans and active duty buyers who receive compensation for a service-connected disability, or are rated eligible to receive disability compensation as a result of a pre-discharge exam, are exempt from paying the funding fee. Military members who […]

Buying a Home Above County Limits With a VA Loan

VA loans follow Fannie Mae and Freddie Mac guidelines for loan limits. Each county has it’s own specific guidelines for county maximum. Loan amounts above county limits aren’t allowed with other government programs like FHA and USDA. They are, however, available when using a VA loans. How is it different than using a VA loan […]