VA Home Loans information page


MAXIMUM ENTITLEMENT
The minimum VA guaranty required is 25% of the loan amount.
VA will provide 25% of the maximum county limits.
A Certificate of Eligibility must be requested from  Veterans Information Portal website.
Veterans receiving VA pension for non-service connected disability will require VA prior approval

Streamline Refinance (IRRRL) to 100% LTV/CLTV
o Maximum $1,000,000 including funding fee, 640 credit score
o The loan being refinanced was originated and have made at least 6 payments before the new loan’s closing date.
Non-IRRRL Refinance / VA Cash Out, maximum 100% LTV/CLTV
o Maximum $1,000,000 including funding fee, 640 credit score
o Refer to VA handbook in cases where the Veteran does not have eligibility to ensure a 25% guaranty.
o Payoff of ANY non VA loan is considered cash out refinance
o 90.01-100%LTV/CLTV/HCLTV: 1 unit, fixed rate only; Max $5K cash to borrower for loan amount > conforming limit.

VA WEBSITE LINKS
o VA Home Loans information page, go here for FAQ’s, forms,
announcements and general information regarding VA loans:
www.benefits.va.gov/HOMELOANS
o Direct link to VA Handbook:
http://www.warms.vba.va.gov/pam26_7.html
o Loan Limits: http://www.benefits.va.gov/HOMELOANS/
purchaseco_loan_limits.asp

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Joel Lobb
Senior  Loan Officer
(NMLS#57916)
American Mortgage Solutions, Inc.
800 Stone Creek Pkwy, Ste 7,
Louisville, KY 40223
 Fax:     (502) 327-9119
 
 Company ID #1364 | MB73346

 CONFIDENT

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