What Types of VA Refinances Are There?
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- čas přidán 5. 07. 2024
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Timestamps:
0:00 Types of Refinances
0:31 Eligibility and Timing for VA Refinances
1:41 Overview of Funding Fees
2:16 VA Interest Rate Reduction Loan (IRRL) Funding Fee
2:27 VA Cash Out Refinance Funding Fee
3:11 Financing Fees and Closing Costs
4:11 Importance of Lender Fees
5:26 Documentation Requirements for Refinance Types
7:01 Benefits and Misleading Offers for Cash Out Refinance
8:41 Loan-to-Value and Appraisal Requirements
9:30 Choosing a Lender
11:01 Call me at 707-478-0637
Licensing info: Jennifer Beeston, SVP Mortgage Lending NMLS 247743 at Guaranteed Rate, Inc. NMLS 2611 Branch Address: 1750 N University Drive, Coral Springs, Florida, 33071 Equal Housing Lender
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Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.
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Just left a message and I'm excited to hear back!
Always a banger I think I sent a email about this.
Insightful and straightforward.
Thank you Drew!
Wonderful
Your video's are awesome! Thank you Jenn.
Glad you like them!
Amazing information
Thank you:)
Ignore my email. I just seen this.
I was under the assumption of, when using the VA IRRL no new documents have to be presented such as bank statements and credit scores? ( can you go into detail on if documents are needed and what they are? )
We still run credit, but we don’t need income or asset documents. We don’t calculate debt to income either. Or loan to value. They’re literally so easy we can close them in under 12 days because there’s no Appraisal.
what credit score do you need to qualify?
We don’t have a credit score minimum but key is no mortgage lates in a year
Love your videos and all.the information. As I find your up to date with rates and VA. My name's Tim and I am
100% p and t through VA I get a little over 4100 a month looking for the Irrrl loan however.
I have a 5.45 % 30 year fixed. My current lender told me to leave it alone. I live in Maine. My home was appraised at 218000. Coming up on 7 months. Since I love your videos and all the info that VA and lenders won't tell you any suggestions. I ve already been getting calls abiut heloc and cash out refinancing. My current payment is just under 1500 like to see if I can get it 1375 or 1400. Any suggestions
Do not touch that mortgage. Rates are higher then that and stay away from cash out unless you have a desperate need for cash