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VA Myth #9: My Current Home is Upside Down, So I Can’t Move Up This one is one of my favorites. If you purchased a condo or small house several years ago when single and after marriage, several children, and a few promotions, you need a bigger home, the VA works. Even though the market has not completely recovered and your current home is upside down, the VA works. This may be the best news you have received since you purchased the home and the market crashed!
VA Myth #10: I Didn’t Get Approved By My Favorite Bank So I Have to Rent Remember those overlays? It is disheartening to realize that some of the most restrictive overlays are in place with lenders and credit unions that we trust the most and have been members of since bootcamp. I know what you are thinking but trust me when I say I have been a member myself for over 25 years and I love them for my car loans and insurance. But they often outsource their home loan services, they take a portion of the commission of the agents they call their preferred agents, and they are not leaving many clients happy. Don’t believe me? Here is just one example; take a look at USAA’s website and find their home buying reviews. Over one third of their loyal clients left a one star review for their VA loan service. If they were a restaurant, would that be the equivalent of finding a cockroach in your food? It doesn’t feel great to point this out but I am frustrated enough with over a decade of hearing sad stories that I feel compelled to share this with you so that you will get a second opinion. Especially if you were turned down by your favorite military credit union. A second opinion from us is free and could keep you from experiencing your own missed opportunity.
Contributed by Karen Bates, CPA Proud Navy Veteran and Co-Founder of Military Home Loans (619) 422-5900
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HOMELAND / November 2014
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