Far and away, the most significant benefit of a VA loan
is the borrower's ability to purchase with no money down.
Apart from the government's UDSA's Rural Development home
loan and Fannie Mae's Home Path, it's all but impossible
to find a lending option today that provides borrowers
with 100 percent financing.
VA loans also come with less stringent underwriting standards
and requirements than conventional loans. In fact, about 80
percent of VA borrowers could not have qualified for a
conventional loan. These loans also come with no private
mortgage insurance (PMI), a monthly expense that conventional
borrowers are required to pay unless they put down at least
20 percent of the loan amount.
Down payment as low as 0%.
Competitive interest rates that are routinely lower than conventional rates
No prepayment penalties
Higher allowable debt-to-income ratios than for many other loans
Streamlined refinancing loans that require no additional underwriting
"TJ and Rupee were very helpful in providing a home loan for our house purchase last month. We had a complicatied situation as we are relocating soon for work. They worked hard to help us with a loan, were fast in responding and detail oriented. I'd suggest anyone in the area looking for a good mortgage team to work through TJ and Rupee!"
"T.j and Ruppe are awesome!! Very professional and on top of their game. I would highly recommend this firm. Being a first time home owner it was kinda scary and T.j walked me through all the steps and put me at ease :) Not to mention he got me the BEST rates for my mortgage !!! I look forward to doing my refinance with him in the future. Thanks T.J :)"
"TJ is a great lender. Very responsive. Has helped me get two properties and done so with providing little trouble to me. His company and him are efficient and fast. I would highly recommend."
"We worked with TJ & Rupee on our recent mortgage. Best thing we liked about them is commitment! What they committed to us verbally on the day one (when we were discussing rate, closing costs etc.), they delivered to that on the day of closing! Usually this is not the case with other lenders. Both TJ & Rupee are very responsive. You call them with any question, it is guaranteed they will take your call and provide response live. What else you can expect? I will be honest, we searched for mortgage rates in market before Accurate Mortgage was recommended to us. Without any negotiation, they provided us the best rate! I wish Accurate Mortgage Team best of luck for their future work. We can recommend Accurate Mortgage to anyone in a heartbeat."
"I refinanced my home loan with Tj. This is the second time I refinanced through his company. He was thorough in requesting all the documents but approval process went smoothly. Tj provided a professional service."
"TJ treats you like family.He listens to your needs and works extremely hard to find the best deal.TJ is extremely patient and ready to coach and guide you through any questions."
" TJ went above and beyond what I have usually experienced with brokers when financing a house. TJ worked tirelessly on my behalf and made the process as smooth as possible. In today's aggressive market, TJ provides real value: competitive rates, personalized service and strong advocacy for his client. If rates drop enough to refinance, TJ will be the one I call!"
"I have had the privilege to work with TJ and the staff at Accurate Mortgage Solutions. They are true professionals. I would highly recommend them to anyone looking to purchase or refinance a home."
"Overall a comfortable experience, with all the documentation required now and days it can be a hassle but the process was simple with a tech savy staff at accurate loans. Did an awesome job explaining things to me and the wife, kept us informed. I was very happy with our rate and closing cost etc."
"Everything went very well. TJ and his team really worked hard to get us approved under adverse circumstances, not only they got us approved but the best rate in the market. We were able to close on our home in time. Thank you once again."