Welcome to VA Home Buyers Program

VA Home Buyers Program makes homeownership simple, for Veterans with any credit history.

WHY CHOOSE VA HOME BUYERS PROGRAM?
At VA Home Buyers Program, our team is composed of dedicated professionals, many of whom are veterans and members of military families—individuals who understand your journey firsthand. We get it, the sacrifices you’ve made, the challenges you’ve faced. Our nationwide network of relocation professionals, VA real estate specialists, and mortgage partners is here to support you, making the journey to homeownership as smooth and stress-free as possible.

EXCEPTIONAL CUSTOMER SERVICE
We know buying or selling a home isn’t just a transaction; it’s a life-changing experience. Our team is your dedicated companion, offering personalized attention and understanding. From your first call, we’re by your side, navigating each step with you.

TRUSTED PARTNER AND ADVOCATE
Whether you’re a first-time homebuyer or a seasoned seller, VA Home Buyers Program is your ally. We’re not just about deals; we’re about your story. We’re responsive, attentive, and always within reach. Your questions matter, and timely updates are our commitment.

NOT A CREDIT REPAIR PROGRAM
Let’s make it clear—VA Home Buyers Program isn’t about setting you on a prolonged path to homeownership. Our aim is to help you secure a home right NOW, utilizing your current credit scores. We’re dedicated to supporting you throughout this homeownership journey with unwavering integrity and a steadfast commitment to your success.

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You served us, now let us serve you!

Your dreams are our mission

10 years in Business,
10 years of trust earned

The VA is a United States government organization that helps veterans after they exit the military. Specifically, our company helps veterans find money loans to buy homes. This means we handle loans and sell homes for people who have served in the United States Military.

VA Home Buyers Program real estate and veterans home loans in Kansas City

We are a Realtor and lender team that can help you in every step of the home-buying process

Pre-approval
House Hunting
Making Offers
Inspections
Appraisals
Closing
KEYS IN HAND!

The Homebuyer’s Journey

HOME LOAN

No minimum credit score requirement!

HOME BUYING

We work with all credit scores!

HOME BUYER

We make the buying process easy!

VA Home Buying Program

Veterans Affairs (VA) home buying can be a great way to get into your own home as a veteran. The VA offers many different ways for veterans to buy a home, including the use of a VA loan, the VA loan guarantee, or other methods such as the GI Bill or grants from the Department of Veterans Affairs. No matter which method you choose, there are some things you should know before beginning the process.

Before you start looking for a home, it’s important to know how much you can afford to spend. The VA has a few different ways to help veterans determine how much they can afford, including the use of a debt-to-income ratio calculator and a loan limits tool. It’s important to remember that just because you qualify for a certain loan amount doesn’t mean you should spend that much on a home – be sure to leave yourself some wiggle room in your budget in case of unexpected expenses.

What is a VA Home Loan?

A VA Home Loan is a mortgage loan program made accessible to qualified military service members, veterans, and their surviving spouses by the US Department of Veterans Affairs (VA). VA home loans are one of the best home loan alternatives available and are provided to assist veterans with the purchase or refinancing of their houses.

Low interest rates, lenient credit criteria, and no down payment requirements are just a few advantages of VA home loans. As a result, eligible Veterans can buy a home without having to make a sizable down payment. Additionally, private mortgage insurance (PMI) is not necessary for VA home loans, which can save borrowers hundreds of dollars each month.

Applicants must meet specific conditions, such as serving at least 90 days of active duty during a war or 181 days of active duty during peacetime, in order to be eligible for a VA home loan. Additionally, there are particular requirements for surviving spouses of Veterans who passed away due to a disability related to their service or while they were on active duty.

It can be an easy and uncomplicated process to apply for a VA home loan. To ascertain their eligibility and finish the required documentation, applicants can engage with a VA-approved lender. Once authorized, veterans can use their VA house Loan benefits to finance the purchase, construction, or refinancing of a house.

The VA’s Interest Rate Reduction Refinance Loan (IRRRL) program gives borrowers the option to expedite the refinancing procedure in addition to the advantages already highlighted. With no paperwork and no appraisal requirements, this program enables Veterans to refinance their existing VA Home Loans at a cheaper interest rate.

In general, VA home loans are an excellent option for qualified veterans who want to buy or refinance a property. The dream of house ownership can become a reality for those who have served our country thanks to VA house Loans, which provide low interest rates, no down payment requirements, and flexible credit standards.

Please get in touch with VA Home Buyers Program if you are a veteran and want to learn more about VA home loans. You may get the direction and assistance you need from our group of knowledgeable real estate agents to realize your real estate goals.

As a business owner, I take any accusations of scams very seriously. I can assure you that our VA Home Buyers Program is a legitimate and trustworthy option for eligible veterans, active-duty service members, and surviving spouses who want to achieve the dream of homeownership. We are a licensed lender and realtor, we follow all state and federal laws and regulations. We have helped many families purchase their dream homes through our program and have received numerous positive testimonials from satisfied clients. If you have any specific concerns or questions about our program, please do not hesitate to reach out to us and we will be happy to address them.

At VA Home Buyers, we go the extra mile by not only providing assistance with closing costs but also waiving all realtor fees. We believe that our veterans and their families deserve the utmost support and care, and we’re honored to be able to give back to those who have given so much to our country. Our mission is to help VA Home Buyers achieve their dream of homeownership with as little financial burden as possible. It’s our way of expressing our gratitude and appreciation for their service and sacrifice.

According to the VA Guidelines, it is necessary for us to obtain your credit report and review your active credit accounts from the past 12 months up to the present. Our objective is to ensure that your active debts, such as credit cards, auto loans, student loans, personal loans, and others, have been mostly paid on time for at least 12 months. In addition, you must not have had any bankruptcies within the past 2 years, automobile repossessions within the last 13 months, or foreclosures on homes within the past 24 months. Finally, you cannot have any outstanding child support payments unless you have been on a payment plan for the last 12 months.

We operate in TX, CA, KS, MO, AL, AR, CA, CO, FL, GA, IL, IN, KY, LA, MI, MS, NE, NC, SC, OK, PA, SD, TN, WA.

No penalty fee if you pay the loan off early

To determine your eligibility, we require either two years of tax returns or W2 forms, except if your income is non-taxable and therefore you don’t have to file. For instance, if you receive disability benefits or Social Security payments, you may not need to submit tax returns.

At VA Home Buyers, we take pride in offering our services free of charge. We do not charge any fees or commissions to our clients, as we aim to provide the best possible home-buying experience for you. We are committed to making the process as smooth and stress-free as possible, and we believe that eliminating fees and commissions is one way we can achieve this goal.

According to the VA guidelines, the loan application must include the Veteran or Active Military member, along with either a spouse or another Veteran or Active Military member. Unfortunately, friends and family members are not permitted to be included in the loan application process.

NO, the VA loan always has ZERO downpayments.

NO, we do not do credit repair.

NO, we do not do rent-to-own.

No, we do not do rentals.

Our license info is on our post and in our profile. This can be referenced on the appropriate government website.

VA guidelines require that the home and the land under that home be purchased together in the same transaction when obtaining a VA home loan. This is because the VA home loan program is designed to provide eligible veterans and service members with financing for the purchase of a primary residence. In most cases, the VA will only guarantee a loan for a property that is classified as real estate, which includes both the home and the land it is built on. Therefore, purchasing the home and the land together ensures that the property meets the VA’s requirements for financing. I hope this information helps clarify the VA guidelines for you. Let me know if you have any further questions.

If you have had some recent late payments on your credit report, it can have an impact on your eligibility for a VA loan. However, if there is a reasonable explanation for the late payments, a few late payments may be acceptable. It’s best to connect with VA Home Buyers to discuss your specific situation and determine your eligibility for a VA loan.

At VA Home Buyers, we understand that closing costs can be a significant financial burden for homebuyers. That’s why we offer various options to help you cover these costs. Whether you prefer to bundle them into your financing, pay them out of pocket, or negotiate them covered by the seller, we’ll work with you to find the best solution. Additionally, we’re dedicated to making sure that your home-buying experience is as stress-free as possible. That’s why we assist most of our clients in getting these costs covered, which can free up funds for furniture and other expenses when you move in.

Yes, it is possible to use your VA loan again if you have used it before. The VA loan benefit is a reusable benefit, meaning you can use it as many times as you want. However, there are some requirements and limitations to be aware of. For example, if you have an existing VA loan, you may need to pay off that loan before you can use your VA loan benefit again. It’s always best to speak with our VA Home Loan Officers to discuss your specific situation and determine your eligibility for a new VA loan.

To be eligible for VA home loans, you must meet the following service requirements: A. You must be an active-duty service member, a veteran, a member of the National Guard, or a reservist. B. You must have served at least 90 consecutive days of active service during wartime or at least 181 days of active service during peacetime. C. If you are a member of the National Guard or Reserves, you must have served at least six years. D. You must have been discharged under conditions other than dishonorable. E. You must obtain a Certificate of Eligibility (COE) from the VA. It’s important to note that these are the general requirements, and there may be additional eligibility criteria depending on your specific situation.

At VA Home Buyers, we pride ourselves on our extensive network of realtors and real estate professionals who specialize in the VA home loan process. Our team is made up of experienced professionals who are passionate about serving military families and helping them find the home of their dreams. Our realtors are well-versed in the unique aspects of the VA home loan process, from pre-approval to closing, and will work tirelessly to ensure that you get the best deal possible and your closing costs are covered. With our vast network of real estate professionals, you can trust that you’ll have access to the best resources and expertise available, every step of the way.

If you’re considering buying a manufactured home, you may be able to use a VA home loan to finance your purchase. However, to qualify for a VA loan, the home must be year 1980 and newer AND be affixed to a permanent foundation. You must also own both the land and the home.

We take pride in our thorough and personalized process for assisting veterans and their families in finding and financing their dream homes. With a team of experienced realtors who specialize in VA home loans, we work closely with our clients to understand their unique needs and preferences and guide them through every step of the home buying process, from loan application to house hunting to closing. Our mission is to make the home buying experience as seamless and stress-free as possible, and to ensure that our military families feel confident and well-informed throughout the entire process.

Sure, here are the steps to buy a home with VAHomeBuyers:

1. Determine your eligibility for a VA home loan by speaking with one of our VA Home Loan Officers
2. Determine your budget and get a pre-approval letter.
3. Meet your VA Real estate specialist who can help you find that place to call home, while also meeting VA loan requirements.
4. Make an OFFER!
5. Once your offer is accepted, work with the VA loan application and provide all required documentation.
6. Your lender will order a VA appraisal to determine the value of the property and ensure it meets VA loan requirements.
7. If the appraisal comes back satisfactory and all other loan requirements are met, your loan will be approved and you can proceed with closing on the home.
8. At closing, sign all necessary paperwork and pay any closing costs and fees. 9. Move into your new home and enjoy the benefits of being a VA homeOWNER!

Our realtors are dedicated to assisting military families with their home buying and selling needs, particularly when it comes to navigating the complex world of VA loans. With years of experience working with the VA, our realtors have a deep understanding of what the VA is looking for in a home purchase, and they use this knowledge to guide our clients through the entire process. From helping clients find homes that meet VA loan requirements, to assisting with the loan application process, our realtors have the expertise needed to ensure a smooth and successful transaction. We take pride in providing exceptional service to our military clients, and we strive to make their home buying and selling experiences as stress-free as possible.

At VAhomeBuyers, we understand that selling a home can be a complex and stressful process. That’s why we have a nationwide network of relocation professionals and VA real estate specialists who are dedicated to helping our clients navigate the intricacies of selling their homes. Whether you’re looking to sell your home quickly or for the highest possible price, our team of experts has the knowledge and experience to help you achieve your goals. And if you’re relocating, we can help set you up with one of our agents to sell your home while working with one of our agents in your new city. Contact us today to learn more about how we can help you sell your home with confidence.

We take pride in partnering with only the best in the industry to ensure that our clients receive the highest level of service and expertise. That’s why we’ve chosen to partner with Mortgage Solutions Financial as our preferred lender. With over 25 years of experience in the mortgage industry, Mortgage Solutions Financial has a proven track record of providing exceptional service to homebuyers. Their team of knowledgeable and dedicated professionals works tirelessly to help our clients find the best loan products and rates to meet their unique needs. We’re confident that our partnership with Mortgage Solutions Financial will provide our clients with the best possible home-buying experience.

As long as you’ve made 12 monthly payments on time in chapter 13, then you can buy a house. Many people are not aware that you can get a VA home loan while in chapter 13 bankruptcy. In fact, the VA home loan program is one of the few programs that will still approve your loan application even if you are currently in bankruptcy. The process of getting a VA home loan in Chapter 13 is a bit different from the process for getting a loan when you are not in bankruptcy. The first step is to get your bankruptcy trustee to approve the loan. This can be done by providing the trustee with a copy of your loan application and explaining why you need the loan. Once the trustee approves the loan, you can close!

The process of buying a home with
VA benefits

Determine if you are eligible for VA benefits. You may be eligible if you are a veteran, active-duty service member, or military spouse.

Speak with our VA Specialist Loan officers about your situation to discuss eligibility.

Get pre-approved for a loan. This step is important so that you know how much home you can afford.

We have a large network of Realtors that specialize in VA loans that can use their highly refined tools to help find the perfect home for you.

Make an offer on a home and negotiate the purchase price. Assist with inspections, appraisals, and closing.

Get final loan approval. The lender will work with the VA to get your loan approved.

Close on the home.

Move into your new home!

Remember…

If you are considering buying a home with VA benefits, it is important to know the ins and outs of the process. Working with a VA-approved lender and real estate agent who are familiar with the process will help make things go smoothly. Following these steps will help you buy a home using VA Home Loans. For more information, please contact Robert Matthews with the VA Home Buying Program.

If you are looking to buy a home, message us now!

MESSAGE US NOW

VA Home Buyers Program

Welcome to VA Home Buyers Program

Let Us Call You!

You served us, now let us serve you!

We are a Realtor and lender team that can help you in every step of the home-buying process