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Vetted VA: VA Loan - Your Journey Home

Education Podcasts

Welcome to the Vetted VA Podcast, VA Loan - Your Journey Home. Hosted by Nathan Knottingham and Christopher Griffith, this podcast covers all things VA home loan benefits. Veterans deserve access to accurate information. Overlays, warehouse lines, ignorance, and bad actors or brands all presently manipulate the VA Home Loan Guarantee benefit in ways that do not benefit the veteran, even placing the entitlement’s future existence in jeopardy. Vetted VA aims to fix this for all.

Location:

United States

Description:

Welcome to the Vetted VA Podcast, VA Loan - Your Journey Home. Hosted by Nathan Knottingham and Christopher Griffith, this podcast covers all things VA home loan benefits. Veterans deserve access to accurate information. Overlays, warehouse lines, ignorance, and bad actors or brands all presently manipulate the VA Home Loan Guarantee benefit in ways that do not benefit the veteran, even placing the entitlement’s future existence in jeopardy. Vetted VA aims to fix this for all.

Language:

English


Episodes
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Divorce and Your VA Loan

7/16/2024
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. Today, we're tackling a sensitive yet crucial topic: navigating divorce and your mortgage. So, while buying a home often marks the beginning of a new chapter, sometimes life takes unexpected turns, and unwinding a marriage involves complex financial decisions, especially when real estate is involved. We'll explore what you need to know about handling your mortgage during divorce, including understanding your options, the implications of the divorce decree, and how to position yourself for a stable future post-divorce. Our experts include, Brandy Brickler, a loan officer from Texas. Jerry Avila, a loan officer based in Arizona, and Claudia Morales, a realtor from Southern California. We'll discuss key considerations for those wanting to keep the home, sell the property and the financial and legal steps involved in each scenario. Whether you're dealing with issues of equity, loan assumptions or refinancing, our panel will provide valuable insights to help you make informed decisions. Stay tuned as we guide you through the complexities of divorce and your mortgage. Aiming to help you move forward with confidence. Let's get started. Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00 Intro 02:14 Where to start 15:30 Tell the professionals you are working with 21:10 How to advise 22:10 Spousal Release 24:19 I want to keep the current loan in place and not sell 25:28 Cash out 27:28 VA Assumption 29:35 Remaining entitlement questions 38:40 Last thoughts Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠⁠⁠

Duration:00:49:22

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The VA Loan and Self-Employed Income

7/5/2024
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. In this episode of the VA-Your Journey Home podcast, the hosts are going to focus on self-employed borrowers and VA mortgages. They're discussing a complexities and nuances of obtaining a VA loan as a self-employed individual. Some of the key points we're going to talk about documentation for self-employed borrowers. Challenges with self-employed income planning and communication with CPAs. Using business assets for closing, flexibility in VA loan guidelines, the importance of detailed records, risks, and regulations, and so much more. We hope you get a lot out of this, because we're trying to bring you all the information we can think of that will possibly hinder from getting a VA loan if you are self-employed. Let's get started. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00 Introduction 01:38 Why is self-employed income treated differently than others 04:15 Self-employed income is variable 06:52 VA Guidelines for Self-employed Borrowers 08:11 Timeline for how long you need to be self-employed before you are eligible for a loan 12:44 One year is doable 13:10 List of things an LO will ask someone who has been self-employed for a year or less 16:19 How filing taxes affect your home loan 23:30 What documents will be needed 31:03 Can an LO use a business account/assets for closing costs 37:00 Risks the VA is trying to avoid 41:32 Plan ahead Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠⁠

Duration:00:46:45

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More about VA Cash Out Refinancing

6/28/2024
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. Joining us is a panel of seasoned experts from the vetted VA community ready to unpack the nuances of VA cash-out refinances. Whether you're considering tapping your home equity now or later for any reason, this episode is packed with insights to guide you through the process. Let's dive into the world of VA refinances and discover what you need to know to make informed decisions. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00 Intro 01:25 What is a cash-out refinance? 02:19 Difference between cash-out refinance and IRRL 04:05 Cash-out options 06:32 How much of your home's value can you borrow? 09:20 How the VA funding fee affects a cash-out 12:00 The VA Cash-out refinance process 12:40 Documents required 14:03 Credit Score requirements 14:30 VA Go Bag 17:35 Differences between credit reports 21:00 Why should you choose a VA Cash-out? 34:49 Final thoughts Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠

Duration:00:42:14

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How Low Can You Go When Navigating Your FICO??

6/21/2024
Welcome to the Vetted VA podcast- The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. In today's episode, we want to work and focus on the crucial topic that resonates with many: credit scores and the VA loan, especially in the context of lower scores. We're joined by a panel of experts from across the United States, including Jerry Avila, Randy Teakell, and Thomas Sloan, who bring in-depth knowledge from different regions: West Coast, Texas, and New Jersey. This episode promises to unravel the complexities of credit scores in the VA loan process, offering insights for those navigating the homebuying journey with less than perfect credit. Let's get started. We hope you enjoy the show. We hope you enjoy this. If you have any other follow-up questions, Let us know at info@vettedva.com. Enjoy! 00:00 Introduction 01:13 The history of credit scores based on Generation 03:50 Minimum Credit Score for VA Loan 07:03 How to prepare Veterans with lower credit scores 09:25 Factors the VA looks at other than credit score for approval 12:13 Why are we seeing more manual underwrites? 18:15 how is inflation affecting interest rates? 21:31 Low credit score or no credit 40:51 Ideal DTI 44:30 VA entitlement use 48:45 final thoughts Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠

Duration:00:54:10

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What Buying a Home and Selling your Current Home can Look Like

2/2/2024
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. In this episode today, we're exploring the complexities and challenges of real estate transactions, particularly for those undergoing a permanent change of Station or in the military. So join us as we hear from three experienced real estate agents who cover a wide range of topics, including the importance of working with a real estate professional, navigating peak timelines, handling fair housing considerations, and the intricacies of VA loan assumptions. Whether you're buying, selling, or just curious about the market, this episode is packed with valuable information tailored for both military and civilian listeners. Let's get started. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00 Introduction 04:02 PCS Timeline 010:07 How to Prepare 12:45 Listing Issues 18:29 How to present your house to sell 21:32 How to know an agent fits you 34:14 How to prepare a seller 39:34 What is fair housing? 48:37 POA (Power of Attorney) 52:48 VA Assumption Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠

Duration:01:08:30

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The VA Loan Limit

1/19/2024
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. This episode focuses on the 2024 loan limits and their impact on VA loans, particularly addressing the changes since 2020 where there is no loan limit in VA terms for those with full entitlement. However, some of the practical limits still exist. So let's not wait any longer. Let's get started! We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00 Introduction 02:24 New VA loan Limit 03:34 Full entitlement loan limit 07:58 Bonus Entitlement 16:01 Funding Fee 22:32 Can you re-cast a VA loan? 25:05 How can you prep to buy a home? 26:16 Self-employed borrower Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠

Duration:00:37:38

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Understanding Underwriting

1/12/2024
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. We’re going to talk about understanding the underwriting process, the VA loan, something that I think you should tune in to. The questions asked and answered will be beneficial if you're looking at going through the process or recently have gone through the underwriting process for a loan and really want to understand what's going on behind those scenes. Now, let's get started. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00:00 Introduction 00:02:23 What is mortgage underwriting 00:04:00 What are the 3 C's and why are they important 00:06:03 VA's role in underwriting 00:11:48 Preapproval vs. Underwriting 00:17:20 Analyzing Income in Underwriting 00:19:27 Variable income 00:25:21 What income does the underwriter need 00:32:55 IS a license needed to be an underwriter? 00:34:00 What docs are needed 00:48:10 Can someone override the denial made by an underwriter? 00:51:21 Credit Requirements 00:53:50 Automated underwriting 00:60:04 Residual income 01:03:36 Appraisal 01:05:42 Notice of Value Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠

Duration:01:22:32

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What Types of Properties can you Buy with a VA Loan??

1/5/2024
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. In this episode, we will discuss what type of property you can actually buy with a VA loan. When you look at the grand scheme of lending with the VA loan, there are a number of traditional-type properties and even untraditional-type properties that you can finance with a VA loan. It is an earned benefit if you served in the military orare currently serving even in the reservists of the Guard and you have enough points. You have this ability to use this loan product that nobody else can use. So in this episode, we're going to dive in with some of our Vetted VA professionals. They're going to talk about what types of properties you can buy and build with a VA loan. So tune in and listen up.If you have other questions, feel free to email info@Vettedva.com or hop on Facebook and just search for the Vetted VA Facebook group. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00 Introduction 01:31 Multi Family Units 05:16 What is an ADU? 09:41 How to qualify for multi-units 16:55 House Hacking 20:16 Tiny homes 27:33 5th Wheel 28:42 Multi-unit with family 31:04 2nd property on current land 34:49 Financing 38:37 Pre-approvals for ADUs 43:19 Cash out loan Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠⁠⁠⁠

Duration:00:54:42

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Is Now a Good Time to Buy??

12/29/2023
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us every week as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. On this episode of the Vetted VA podcast, Your Journey Home. We're going to talk to a couple of Vetted VA professional real estate agents in California, in Tennessee, they're going to talk about is now a good time to buy? Now, if you're cynical or questioning like I tend to be, you'll be like, well, of course they're going to say now's a good time to buy. It's what they do. Well, I think you might be surprised by their answers. It always depends. It depends on a number of factors. And we're going to dive into those today in this episode. So tune in, listen up, and if you have any questions, feel free to reach out to us at info@VettedVa.com or join our Facebook group. Ask your questions there. We're happy to have you. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00:00 Introduction 00:04:56 What is happening in the current market? 00:06:31 Supply and Demand 00:08:16 Affordability of homes 00:12:18 How serious are buyers in the current market? 00:15:17 Is a market crash possible? 00:23:11 Ask all the questions 00:23:59 Location based pricing 00:30:33 Where are you going to be in 5 years 00:43:02 Affordability is an issue 00:43:40 Buying down rates Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠⁠⁠

Duration:01:01:27

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Everything you need to know about your Loan Estimate

10/11/2023
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us every week as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. Here's a sneak peek of what will be covered with our vetted VA professionals and the experts of our industry speaking on this. Number one, the evolution from the good faith estimate to the loan estimate, why the change was necessary. Number two, a breakdown of the loan estimate sections, including key information on rates, points and locking your interest rate, understanding your projected payments and escrow details. Number three, the significance of your loan terms and expiration dates and tips to ensure a smooth and transparent loan process. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00:00 Introduction 00:02:41 What happened to the good faith estimate? 00:04:46 Initial loan estimate 00:06:52 VA Loan estimate explained 00:07:56 Unlocked vs. Locked 00:09:36 Page 1 of Loan estimate 00:13:22 Page 2 of Loan Estimate 00:14:01 Box A Fees 00:21:14 Box B Fees 00:22:51 Box C Fees 00:30:24 Box E 00:39:05 Box H 00:44:40 VA Assumptions 00:45:55 Page 3 00:52:09 APR 00:54:03 A word of advice from our pros Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠⁠

Duration:01:00:00

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What are discount points and how do they help?

10/3/2023
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us every week as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. Here's a sneak peek at what we'll be covering. What exactly are discount points and how do they work, what the cost of discount points and how do they affect your interest rate, and When and why lenders charge discount points, The benefits and drawbacks of permanent versus temporary buy downs and the point of diminishing returns. Finding that sweet spot for your unique situation. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00 Introduction 02:21 What is a discount point? 05:34 why do you pay down different levels of points? 08:42 Permanent buy down 11:05 Temporary Buy down 14:49 How VA Loans are different 18:17 Are discount points for you? 25:24 Get to know the clients goals 27:28 Timeline? 40:22 Box A Fees Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠

Duration:00:59:34

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How to Compare Lenders

9/29/2023
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us every week as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. In this episode, we're going to focus on a pivotal topic comparing lenders. The aim here is to equip you with the knowledge and insights you need when exploring your loan options, ensuring you secure a good deal and receive invaluable guidance from your chosen professional. Whether you are a first-time home buyer, a repeat buyer, or someone moving across the country, our conversation today is tailored to enlighten and inform ensuring you navigate the mortgage landscape with confidence and clarity. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00 - Introduction 03:21 - How to begin the process 04:32 - Choosing based on rates and APR 08:06 - Loan Officer estimate quote 10:39 - Most important item to present 12:09 - What does the lender have control over 13:17 - Rate and cost structure 17:45 - Overestimate instead of under 22:52 - Box A Comparison 24:26 - Loan Estimate 33:38 - Questions to ask your LO 36:35 - COE- Where to get it Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠

Duration:00:44:10

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How to Get Started with your VA Loan

9/21/2023
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us every week as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. Tonight with Josh Lewis and three other distinguished, very busy professionals. We're diving deep into the initial steps of home buying for our veterans. Look, we know how vital it is for our heroes to have a place they call home. But where does one start? How do you navigate the maze of prerequisites and approvals? More importantly, what is this certificate of eligibility and why is it the cornerstone of the entire process? We'll unravel these queries and more with our panel of experts, including Nathan, Elena, James and Josh. They're here to empower you, guide you, and ensure your journey is smooth and comprehend simple. Whether you're a veteran or just curious about the process, this episode promises valuable insights for all. So buckle up and get ready to be informed. Inspire and enlightened. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00:00 Introduction 00:02:47 Importance of COE 00:07:38 Next Steps 00:08:10 Does a COE expire? 00:12:40 When to start the process? 00:17:07 Find a knowledgeable lender 00:18:49 Vetted VA Lenders and realtors 00:24:19 VA DTI 00:32:11 Applications 00:39:24 When can I use my income for qualification 00:41:32 VA Funding Fee 00:42:02 Can I purchase a multi-unit property with my VA loan? 00:47:06 Bonus Entitlement 00:49:19 What state's loan officers should we reach out to? 00:53:46 Required Documents Engage with Vetted VA ⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠https://youtube.com/live/WiTuZEHAR9E ⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠

Duration:01:00:59

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What is Secondary/Bonus Entitlement??

9/12/2023
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us every week as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. In this episode, we're going to talk about something that is commonly misunderstood or not even known by some, secondary entitlement also known as bonus entitlement. There are all sorts of misconceptions out there that if you've used your VA loan, you cannot use it again. Or if you have a current VA loan, you cannot use the VA loan again to buy another house. We are going to clarify that. We will clear up the confusion and talk a little bit more about real world examples of how this actually works and how utilizing your VA loan legally, correctly according to the guidelines, you can use it more than once and sometimes at the exact same time. So take a listen. If you've been in the Vetted VA Facebook group for any amount of time, you'll probably recognize some of these names bringing you this information. Jerry Avila. Matt Burkhead, Randy Teakell and again, hosted by Josh Lewis. They're going to talk through secondary and bonus entitlement, how to get the most out of your earned benefit. And as always, if you have other questions, check it out. VettedVA.com to find a professional in your state to help you out or go to the Facebook group and search for Vetted VA. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00 Introduction 03:01 What is secondary entitlement? 07:13 Loan Limits 09:23 Loan Limits vary based on where you live 14:34 How foreclosure affect your entitlement 16:59 COE 22:44 How to calculate entitlement 28:03 Why is a VA loan better and any other type 29:28 Rates comparison 32:33 Are there times you shouldn't use your VA loan? 33:48 Refinance Option for a VA loan 37:10 Advice from our Vetted VA Loan Officers Engage with Vetted VA ⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠

Duration:00:48:12

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Now a Word from your Agents

9/7/2023
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us every week as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. In this episode of The Vetted VA podcast, we are calling on our Vetted VA real-estate agents to answer some popular questions. Vetted VA has Vetted VA real estate agents that you can find on our map at VettedVA.com, they have gone through a series of testing and training unlike really any other available to them that we know of. When it comes down to minimum property requirements, inspections, and appraisal issues, sometimes they're our first line of defense to get the right answer to our community as fast as possible. On this episode we have two realtors; Claudia Rothwell from Southern California and Sam Ruben in the Dallas metro area in Texas. They bring a wealth of history, knowledge and experience to the marketplace, and I think they've got some fantastic insights that you're going to love hearing directly from them. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at info@vettedva.com. Enjoy! 00:00 Introduction 03:00 Qualities to look for in an agent 05:05 Ask for references 11:29 Benefits of starting the process early 13:11 Buyers agreements 16:51 What is included in the buyer's agreement? 19:40 Buying site unseen 23:17 Why you should have a knowledgeable realtor 28:51 Offer write-ups 32:16 Important parts of the contract for buyers 40:37 Is it safe to do business with a builder that is not BBB accredited? 48:26 How does a realtor get paid and by who? 53:36 Advice from the Realtors Engage with Vetted VA ⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠ ⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠ ⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠ ⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠ ⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠ ⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠ ⁠⁠⁠⁠The episode on YouTube⁠⁠⁠

Duration:01:00:24

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Unveiling the Difference between Cash to Close and Closing Costs

8/29/2023
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us every week as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. On this week's episode, we have a couple of professionals who are going to talk about some of the ins and outs and intricacies of closing costs and cash to close. Jessica Wells and Mike Ulbrich, along with Josh Lewis, are about to discuss the differences between closing costs, who they go to, how to review them, and what to expect for them in cash to close. Where should you look for further knowledge? I would highly encourage each one of you just to go search the VA lender handbook-Seller Concessions. It's in chapter eight of the V.A. Lender Handbook, and in Section five it breaks down the seller concessions, what the seller can pay for, what they can't pay for, and how that money can be used. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow up questions. Let us know at info@vettedva.com. Enjoy! In This Episode 00:00:00 Introduction 07:07 What is Cash to close 11:20 How to prepare customers 13:26 HOI requirements 15:22 Property taxes due dates 21:47 Why would someone want to make a down payment? 24:28 Box A fees 29:26 What is the advantage of buying rates down? 38:46 Escrows 45:37 How do real-estate agents make money? 47:41 Lender Credit & Gifts 51:27 Rolling closing costs in loan Engage with Vetted VA ⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠ ⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠ ⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠ ⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠ ⁠⁠⁠Vetted VA on Facebook⁠⁠⁠ ⁠⁠⁠Vetted VA Website⁠⁠⁠ ⁠⁠⁠The episode on YouTube⁠⁠⁠

Duration:00:55:44

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Credit Scores and DTI

8/22/2023
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us every week as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. This episode is all about VA loans and credit, but also debt to income ratio or DTI. Credit is one of those things we run into so often in VA lending It takes time to ensure that your credit scores are as healthy as it can be. What we found with veterans is there are a lot of odd circumstances box moves, deployments, unusual health or financial circumstances that put veterans in a difficult place of managing their credit. Now, because the VA is aware of this, the nice thing is the VA home loan is more flexible with credit than any mortgage on the face of the earth. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow up questions. Let us know at info@vettedva.com . Enjoy! In This Episode 00:00:00 Introduction 00:06:51 About Guests 00:10:30 What are the VA's Credit score & DTI requirements 00:15:15 VA's Credit Flexibility 00:16:15 What has the biggest impact on your credit score? 00:17:37 What impacts credit scores 00:19:47 I pay my cards down monthly, why is it showing on my credit 00:21:12 How should I use my credit card? 00:23:39 I am about to retire, how will that affect my credit? 00:30:07 I am waiting on my disability rating 00:21:45 I don't want my credit pulled 00:32:43 Use optout prescreen before you get your credit pulled 00:35:28 Charge off ands collections 00:42:31 Manual underwrite 00:43:59 Residual income calculations 00:46:31 High DTI Engage with Vetted VA ⁠⁠Nathan Knottingham on LinkedIn⁠⁠ ⁠⁠Christopher Griffith on LinkedIn⁠⁠ ⁠⁠Nathan Knottingham of Facebook⁠⁠ ⁠⁠Christopher Griffith on Facebook⁠⁠ ⁠⁠Vetted VA on Facebook⁠⁠ ⁠⁠Vetted VA Website⁠⁠ ⁠⁠The episode on YouTube⁠⁠

Duration:01:03:49

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Why you should use your VA Loan Benefits

8/16/2023
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us every week as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. In this episode, Josh Lewis is interviewing two of our Vetted VA professionals. Randy Teakell, a loan officer in Texas and not a U.S. veteran. And Jason Rivera, a real estate agent in San Diego, a Navy veteran. And they have got some really good takeaways on why you should anticipate the usage of this program as being one of the best options for you to buy and continue buying properties in your future. We hope you enjoy the show. We hope you enjoy this. And if you have any other follow up questions. Let us know at info@vettedva,com . Enjoy! In This Episode 0:00 - Welcome to the podcast 04:40 - Randy's Story 09:30 - VA Appraisal Process 11:45 - VA vs. Conventional 18:10 - Why do realtors have this perception? 20:05 - Human Nature 22:45 - Collaborative Process 26:34 - VA Underwriters 35:34 - Can you educate me 38:54 - VA vs. FHA 42:16 - Case number assignment 46:56 - Conventional vs. VA 50:31 - Can I buy down rates 55:28 - Why is the VA easier to qualify for 55:08 - Sellers concessions 59:54 - Seller can pay off debts 61:05 - Advice for buyers Engage with Vetted VA ⁠Nathan Knottingham on LinkedIn⁠ ⁠Christopher Griffith on LinkedIn⁠ ⁠Nathan Knottingham of Facebook⁠ ⁠Christopher Griffith on Facebook⁠ ⁠Vetted VA on Facebook⁠ ⁠Vetted VA Website⁠ ⁠The episode on YouTube⁠

Duration:01:09:21

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Tidewater Appraisal

8/8/2023
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us every week as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. Today, we're diving into an area filled with some misconceptions. We will shed some light on a VA loan's often misunderstood feature and benefits. Our guests Thomas Sloane of Fairfield, New Jersey, and Claudia from Apple Valley, California, joined Josh Lewis, also from California, to unravel the Tidewater process. It's a vital aspect of appraisals in the VA lending together. Let's uncover the differences between appraisals. Home inspections, explore the reconsideration of value process, and will guide you through navigating the Tidewater process. If you ever find yourself in it, prepare to be educated, enlightened, and empowered. This is very VA, and we're here to guide you home. Enjoy! In This Episode 01:50 About Thomas Sloan 02:20 About Claudia Rothwell 03:02 What is a Tidewater Appraisal 04:42 Who gets notified 05:49 Who does the lender reach out to ? 06:44 What does a realtor do in a Tidewater? 08:23 How to prep for a Tidewater as a realtor 09:08 What if the loan officer doesn't notify the realtor of Tidewater? 16:40 Difference between sales price and appraised price 18:56 New construction and Tidewater Appraisal 22:33 After Tidewater-Appraisal still comes in low 29:55 Can you buy a mobile home with a VA loan? 37:29 Is it wise to use your VA loan? Engage with Vetted VA ⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠ ⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠ ⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠ ⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠ ⁠⁠⁠Vetted VA on Facebook⁠⁠⁠ ⁠⁠⁠Vetted VA Website⁠⁠⁠ ⁠⁠⁠Video on YouTube⁠⁠⁠

Duration:00:47:27

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What to Expect on Closing Day

8/1/2023
Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us every week as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We dive into everything you need to know from your initial contemplation of buying a home. Where, how, who do I talk to and even what to expect on closing and afterwards when you own the home. In this episode, let's talk about a couple of questions, like are you confused about attorney states versus escrow states? What about wondering what paperwork you should be signing at closing? We're here to answer these questions and more. Each week, we invite guests from the vetted VA network from around the nation, ensuring that you get insights in diverse regions and markets for wherever you may be considering using your VA home loan benefit. Remember, we're also here to help you in real time. So if you haven't yet, join our Facebook group, Search for Vetted VA in Facebook. Join the group and ask your questions. Get answers in real time and solutions to help you on the home buying journey. We're not just here to share knowledge. We're here to help guide you on your journey home. If you prefer a visual experience, you can also find this episode on our YouTube channel. Just head over to youtube.com/@vettedva and search for "What to Expect on Closing Day" or click the link in the show notes. Enjoy! In This Episode 00:01:23 About David Osborn 00:01:47 About Randy Teakell 00:02:04 About Sara Acevedo-Schwocher 00:02:24 What is closing day? 00:04:00 Days before closing 00:06:01 What is a CD? 00:10:17 What to expect next 00:16:35 Can I bring a personal check to pay for closing costs? 00:19:40 Difference between money wires 00:27:26 When and how do I get the keys to my new home? 00:29:26 Power of Attorney 00:38:15 How long does a closing take? 00:40:43 Bonus Entitlement/ Secondary Entitlement 00:42:56 Additional info on power of attorney 00:44:11 Advice for first time home buyer Engage with Vetted VA ⁠Nathan Knottingham on LinkedIn⁠ ⁠Christopher Griffith on LinkedIn⁠ ⁠Nathan Knottingham of Facebook⁠ ⁠Christopher Griffith on Facebook⁠ ⁠Vetted VA on Facebook⁠ ⁠Vetted VA Website⁠ ⁠Video on YouTube⁠

Duration:01:00:15