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.

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 [email protected].

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

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.

We hope you enjoy the show. We hope you enjoy this. And if you have any other follow-up questions. Let us know at [email protected].

Enjoy!

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

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 [email protected].

Enjoy!

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

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 [email protected].

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

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 [email protected].

Enjoy!

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

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 [email protected].

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

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 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 [email protected].

Enjoy!

In This Episode

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

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 [email protected] .

Enjoy!

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

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

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.

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