Where to Start
3 Steps to Success
Step One...
Give Us a Call
(8 minutes)
We won't ask to pull your credit
We will quickly tell you how much you qualify for and answer any questions
that you may have
Step Two...
Applicaiton
(12 minutes)
We will make it official. We pull your credit and run your file through the automated underwriting system
for a guarantee
Step Three...
Underwriting
(24 - 48 hours)
The initial underwrite gives us refined details about your
loan and can be done
as quick as a day
to get results
Start the Preapproval Process Now
Want more info on VA Construction Loans?
How VA OTC Loans Work
VA One Time Close (OTC) construction loans require no down payment, allow for no interest payments during construction and convert to a 30 fixed year mortgage once complete
VA Loans, in general, require 0% down payment and allow for higher Debt-to-Income (DTI) ratios, which allows the borrower to purchase more home. There is no monthly mortgage insurance and the VA Funding Fee is waived for those that collect VA Disability and reduced for those that decide to put money down
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0% Down Payment
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Minimum 620 Credit Score
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No Payments During Construction
VA Loans have generous and forgiving guidelines that help those that have blemished credit history get into home ownership when other loan products would say ineligible
Issues with your current lender?
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High loan costs?
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High interest rate?
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Credit score too low?
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Can't qualify for enough?
Frequently Asked Questions
Common questions asked by future home owners
How long does the application process take?
The initial pre-approval process takes about 7 to 15 minutes. You can start the process by applying online and we can reach out to you or you can give us a call and do it over the phone
Do you have to pull my credit?
Not at the beginning. We can have the initial conversation based on the information you tell us. The more accurate the information, such as your credit score, the better
How long does the loan process take?
That can depend on the complexity of the file. Some loans are incredibly easy and fast and others can be a little more complex. It depends on your overall situation and what lender we chose to send your loan to. The average is about 21 days
What documents are necessary?
The initial loan documents that you will be asked to provide are fairly standard for most borrowers. That includes income documentation such as W2s and pay stubs along with bank statement to reflect necessary funds for closing costs and down payment if necessary. A picture of your drivers license will complete the initial request for most borrowers
How long till I can refinance?
You can refinance about 7 to 8 months after construction is finished and your loan has converted to a 30 year fixed mortgage. Refinancing can be simple and easy. The goal is to maintain or improve your current financial situation with less debt and a higher credit score. As interest rates improve you will be able to take advantage of the VA IRRRL (Streamline) refinance that requires no income documentation, no appraisal and no verification of employment. It is a great way to take advantage of improving market conditions and you can do it every 210 days
Why Start
home ownership is one of the proven ways to build wealth
if you play the game and you play to win, you will
the rules are simple yet for some reason
no one ever tells us what they are
or how they work or why
get great loans with great rates at
GREAT START MORTGAGE
Additional VA Loan Information
VA Purchase Loan
VA Purchase Loans require 0% down payment and allow for higher Debt-to-Income (DTI) ratios which allows the borrower to purchase more home. There is no monthly mortgage insurance and the VA Funding Fee is waived for those that collect VA Disability and reduced for those who decide to put money down with no VA Disability
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No Down Payment Necessary
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Minimum 500 Credit Score
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Up to a 4-Plex Allowed
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