I have just created a page on my blog dedicated to first time homebuyers. Right now, you can access this on the column to the right.
I will be updating this page with information that first time homebuyers or people who have not bought a home recently may find useful. Currently, I have a couple of different scenarios intended to help demystify the homebuying process. I hope you’ll check it out!
If you or anyone you know are thinking about buying their first home or re-entering the home buying market, please feel free to share this with them. 🙂
And of course, I would love to help you with your mortgage needs. Please contact me if I can be of any assistance.
Many Veterans who have served our country have earned the right to have a VA mortgage loan. It’s unfortunate that some sellers as well as real estate agents have a bad image of VA loans and often discourage them. Many years ago, VA loans were sometimes more challenging than conventional financing – this is rarely the case anymore. Some people may falsely assume that if a Veteran is using a VA loan, they must have poor credit or not enough funds for a down payment. A majority of the Veteran’s I have provided mortgages for have excellent credit and plenty of funds for down payment, they opt for the VA loan because they either don’t want to use all of their funds for down payment, or the VA mortgage loan could be providing a lower interest rate than what they would receive with conventional financing. 
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Last week, the FHFA (Federal Housing Finance Agency) announced changes to how conforming mortgages are priced with loan-level price adjustments (LLPAs). Some borrowers will find improved pricing where others will have to pay more in fees. The fees are typically incorporated into the interest rate for the mortgage.
If you’re waiting for home prices to come down or interest rates to improve a bit more; I hope you’ll read an article recently penned by David Stevens: 
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