Call Today! 858 273-LEND (5363)
CALL TODAY FOR A FREE, NO-OBLIGATION QUOTE! 858 273-LEND (5363)
VA HOME LOAN ADVANTAGES
The guarantee VA provides to lenders allows them to provide you with more favorable terms, including:
- No down payment as long as the sales price doesn’t exceed the appraised value up to the local VA County lending limit.
- No private mortgage insurance premium requirement.
- VA rules limit the amount you can be charged for closing costs.
- Closing costs may be paid by the seller.
- The lender can’t charge you a penalty fee if you pay the loan off early.
- VA may be able to provide you some assistance if you run into difficulty making payments.
You should also know that:
- You don’t have to be a first-time homebuyer.
- You can reuse the benefit.
- VA-backed loans are assumable, as long as the person assuming the loan qualifies.
HERE’S WHAT OUR CLIENTS HAVE TO SAY:
Lou Chiapetta is a saint at his job. He never gave us any negative info, even thought there were pit falls in the process. Upbeat always; kept us from being depressed and giving up. Gave us choices when available. He never was too busy to see us or talk to us. -John and Cheryl Fremdling
Lou Chiapetta is one of the best professionals I have worked with. In addition to being knowledgeable, his patience, support and good cheer are beyond comparison. I always felt his backing and encouragement in every anxious twist and turn of the process. -Brenda C.
Any client that hires Lou Chiapetta is hiring the black belt of finance. When I was searching for a loan agent to refinance my mortgage, I was laughed off the phone by six loan agents, he was my seventh call. He left no pebble unturned in excavating a loan for me. I recently refinanced a second time with Lou. My interest rate took a nose dive, from 6.5% to 3.49%. Because he watched out for my best interest, I am financially comfortable. He performed brilliantly for three of my piano students and I continue to recommend him to my piano students, family and friends. He genuinely cares for his clients and anyone who comes in contact with him cannot help but feel his warmth, caring and financial vision (he is always preaching to his clients to save). Rest assured, he will watch out for the clients’ financial well being and professionally guide them success. Lou Chiapetta is THE BEST! -Miriam K.
My situation was very complex. There were many challenges and pitfalls. Due to the situation we were on again, off again. Lou Chiapetta never gave up and he made it happen. Many others said it couldn’t be done and Lou did it! Thank you! -Michael K.
Lou Chiapetta did an efficient and timely job in getting my loan secured and he was able to answer any questions I had about the process in an informative and knowledgeable manner. I was extremely happy with the service he provided and would happily recommend him to anyone I know who is in the market for a home loan. Thanks Lou! -James G.