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Government Loan Quick FAQs


VA Home Loans
– Veteran does require a certificate of eligibility
– VA does not have a maximum loan limit
– 100% financing is available
   (up to county loan limits)
– VA limits veterans closing costs
– Closing costs may be paid by seller
– There is no Private Mortgage Insurance

Updated 01/01/2014 - While VA does not have a maximum loan amount, the following county “limits” must be used to calculate VA’s maximum guaranty amount for a particular county. These limits apply to all loans closed January 1st, 2014 through December 31, 2014. The new maximum guaranty amount for San Diego county is $527,500. Riverside County's maximum guaranty amount remains at $417,000. SOURCE: United States Department of Veterans Affairs (Document)

Effective 07/01/2012 - Change in Timeliness Requirements for Appraisals for Arizona, California, Nevada, and New Mexico: VA appraisers will now have 7 business days to complete and upload an appraisal from the date it is ordered; down from the previous maximum of 10 business days.

NOTE: To prevent delays in the appraisal timeline it is important that your real estate professional provide a copy of the executed purchase agreement to your lender immediately and the lender immediately orders the appraisal upon receipt of the purchase agreement.

CalVet Home Loans
– Most veterans are eligible if you served on active duty for a minimum of 90 days
– Active duty members may use CalVet (Restrictions apply)
– No prepayment penalties
– Using CalVet can effect VA entitlement

Basic Allowance for Housing

FHA Home Loans
– Low down payments, as little as 3.5%
– Low closing costs
– Easy credit qualifying

CalHFA FHA Loan Program
- Borrower must be a first time homebuyer
- Must be purchasing a primary residence
- Down payment and closing cost assistance available

 


FEATURED PROPERTY


For more PHOTOS, VIRTUAL TOURS & PROPERTY DETAILS, please click on
the photo or property address of featured property.

 

JUST LISTED / IN ESCROW
Received Multiple Offers
Traditional Sale in Rancho Penasquitos
Offered at $629,000

13358 Darview Lane

13358 Darview Lane, San Diego CA 92129
 

SOLD
Short Sale in Waters End637 Sand Shell Ave.

  637 Sand Shell Ave. Carlsbad CA 92011
Represented Sellers
 

SOLD
  Traditional Sale in Cambria, San Elijo Hills

956 Avalon Way, San Marcos CA 92078
Represented Sellers

SOLD
Traditional Sale in Magnolia Estates, Bressi Ranch

6381 Keeneland Dr, Carlsbad CA 92009
  Represented Buyer

SOLD
  New Construction/Builder Close Out in Edgehill Terrace

970 Audrey Place, Vista CA 92084
Represented Buyers

SOLD
Traditional Sale in Lake San Marcos
Image unavailable
908 La Fiesta Way, San Marcos CA 92078
Represented Buyer

SOLD
Traditional Sale in Escondido
740 Fern St, Escondido CA 92027

Represented Active Duty Military VA Buyer

 

 

RANDALL HOOD
Broker/President
Certified Residental Specialist
Short Sales & Foreclosure Resource Certified

  Certified HAFA Specialist
e-PRO Certified
 Chief Warrant Officer-3 USMC (Retired)
CalBRE Lic. # 01703843




 



RANDALL & GRACE HOOD
 Properties By Hood, Inc.
 800.578.0899 phone & e-fax

Contact Us

GRACE HOOD
REALTOR®
Graduate Realtor Institute

Accredited Buyer Representative
Seniors Real Estate Specialist
Feng Shui Certified
Marketing Specialist
CalBRE Lic. # 01490545




 

 

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