don't miss your wealth building opportunity
It’s easy and simple to buy a home with our 5 step buying process.
Consult
We will provide expert advice and recommendations to clients looking to purchase or develop a property. Find out if the VA home loan program is right for you. Discussion of prices, features of your dream home, expectations, appropriate meeting times, and best ways to communicate are just some of the goals during a consultation. Feel free to ask questions and come prepared to listen.
Get Pre-Approved
Get prequalified or pre-approval from the lender to help get an estimate of what you can afford in your next home. If you are a veteran, ensure you have a complete understanding of the VA loan process. Save valuable time by identifying how much you are willing to invest of your time and target your home search while looking within your budget.
House Hunting
As an expert, we can help search for a new home and know how to search databases that are typically flooded with information. Based on our experience and understanding of the market, we’ll help you navigate your search with accuracy. Plus, consider any potential in the home’s value, proximity to your work, the charm of the neighborhood, and all the important elements that are necessary to your lifestyle.
Inspections
This stage happens after an offer has been accepted but before the closing. A qualified home inspector usually assesses the property’s condition, including its heating and cooling systems, plumbing, electrical work, water, and sewage. This is a formal process to identify and correct any outstanding issues with the home.
Keys in your hands
When you buy a new home, getting the keys is the little act that symbolizes the entire transaction. The deal is closed and the home is now yours. Typically the agent will hand over the keys and the possession of the home will be yours! Let’s celebrate your success and new home.
Renting VS Owning
The net worth of owning a home opposed to renting is over 40X that of a renter!
Are you stuck in a lease for a place you don’t love and have you put off buying a home?
Heroes & Home Ownership can help find a home that is right for you & your family. Start looking for a home you love when the time is right for you, not when the lease is up.
Consider our
Lease Buyout Program that allows motivated buyers to get out of their lease and buy a home when they see fit.
It's a unique opportunity for renters that see the value in homeownership. If you are a veteran, Heroes & Home Ownership can also help determine if you qualify for a VA home loan.
You are missing out on an opportunity to build wealth by not owning a home today.
Buyers Remorse
Don't feel pressured to buy a home that you don’t love. Buyer’s remorse is genuine and we don’t want you to regret purchasing. Heroes & Home Ownership understands that homeownership is one of the best investments for you and your family but we also know how stressful it can be and often times we leave ourselves in the prison of indecision!
When you buy with Heroes & Home Ownership, we guarantee you will love it! Thats why we created our
Love it or Leave it Program. If you’re not in love with your home at any point within the first 12 months, we will sell it for you at no cost to you!
Choosing an agent
If you are buying a home for the first time, finding a real estate agent you can trust can be overwhelming.
Who can you trust with such a big financial decision?
Use reason and logic when
choosing a real estate agent. This person should be an individual you can trust but also someone that is thorough and dependable.
Deven Ortiz understands the market. He has a proven track record of navigating families with their best interest in mind and he ensures you get the best deal possible!
Funding fee
One of the unique features to VA guaranteed loans is the VA’s funding fee. This is not an out of pocket expense. This charge from the VA is financed into your loan amount and becomes part of your overall loan. The funding fee is the VA’s way of lowering the cost of making new loans to the US tax payer. This ensures that there are funds available to make new VA loans to future generations of veterans.
So how much is it and can it be waived?
Depending on if you have used your VA loan in the past or if you are putting a down payment on your home the funding fee will vary based on the scenario. If it is the first time you have used the loan it is 2.3% of your loan amount, not your purchase price. VA loans are typically zero down, but you can bring a down payment if you choose. If you place a down payment, depending on how much, the funding fee may be reduced. (see the chart below). If this is a subsequent use of the VA home loan (you can use it as many times as your like, ask us how) the your funding fee will increase to 3.6% for each future use that you go zero down payment.
Now can it be waived? The answer is yes! If you have a service connected disability your funding fee is waived entirely. No matter how many times you use it you will not be subject to a funding fee from the VA.
Please reach out to us with any additional questions or for any additional information on your VA loan entitlement or VA funding fees.
get your Buyer's Guide today
If you're interested in learning more information about the Buyers Guide, we’d love to hear from you. Send a message using the form below and you'll be redirected to the Buyers Guide.
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