Buying a home is one of the biggest and most important decisions you will ever make. I understand that and want to make the process as easy as possible by guiding you and answering your questions every step of the way. Whether you are a first-time Homebuyer or are experienced with the process, I'm here to make your home buying journey a great one.

The VA Home Loan program allows veterans with qualifying income and credit to purchase a primary residence without putting any money down towards the sale price of the home, as long as that sale price does not exceed the appraised value of the home. Veterans do need money towards closing costs as well as earnest money, which the seller generally requires when a sales contract is signed. Closing costs may be paid by the seller, which I negotiate when the sale price of the home is set. So the only money out of pocket is usually the earnest money.

If 100% financing isn't enough, there are even more benefits with using your VA home loan for the purchase a home:

• VA home loans are assumable, provided the person assuming the loan is qualified.
• Veterans' closing costs are limited by VA, making sure you won't be asked to pay more than a fair price for closing costs.
• You have the VA behind you offering additional assistance if you ever find you are having problems making your home loan payments, at any time in the future.
• Veterans can prepay their VA Home Loans without a penalty.

IF YOU HAVE ANY QUESTIONS PLEASE GIVE ME A CALL 801-628-1116, OR COMPLETE THE FORM BELOW AND I WILL BE IN TOUCH.