A VA Loan for Your New Home in SC

Buying a home is one of the biggest and most important decisions you will ever make and South Carolina is a wonderful place to live.  We want to make the VA Loan process as easy as possible. Whether you are a first-time homebuyer or are experienced with the process, we're here to make this home buying experience great.

Just Follow These Simple Steps 

	Obtain your Certificate of Eligibility. If you don't already have your Certificate of Eligibility we are happy to help you get one. »Certificate of Eligibility«
	Get pre-approved for your VA home loan. Knowing that your VA mortgage loan and credit report are already approved will let you look for your new home with confidence. Also, a pre-approval lets the seller know that your offer is solid and that you're a serious buyer. »VA Loan Application«

»VA Loan Facts«

• The veteran does have to occupy the home as their primary residence.
• The veteran does not have to be a first time home buyer and may reuse his/her VA home loan benefit.
• The lender, not VA, sets the interest rate and discount points for each VA home loan.
• There is no private mortgage insurance, but VA does charge an up front VA funding fee, which may be financed in the VA mortgage loan.  The exception to this is that if a veteran is in receipt of VA service connect disability payments each month, he or she does not have to pay a VA funding fee.
• The seller can pay for closing costs.  There is a requirement that seller concessions do not exceed 4%, but only certain items are considered as part of the concession; i.e., payment of pre-paids, VA funding fee, payoff of credit balances or judgments on behalf of the veteran, funds for temporary buydowns (not discount points).
• The veteran is not allowed to pay for the wood destroying insect (termite) report; it is generally paid by the seller.
• The majority of VA home loan transactions are handled directly by the lender with little VA intervention.