STARTER HOMES; FIRST-TIME HOME BUYERS:
First let me say thank-you to all my past first-time home buyers! To be part of one of the most exciting times and one of the largest investments of a customer's life; it is a true honor. I take special care to insure that my first-time home buyers are not overwhelmed by the piles of paperwork and foreign terms. I've been there and know how confusing this process can be, so I will always insure you understand what & why of everything you do. I promise that I will even go to closing with you (as long as you are in the Ft. Campbell, Clarksville, Dickson & Nashville area). I have also set-up a V.I.P Agent Referral program to insure you have a real estate agent that specializes in first-time home buyers. This way you have honest professions with you every step of the way!
EMPTY NESTERS; DOWNSIZING:
I'm there, so I understand that you need to sell that larger home and move into one that fits your lifestyle now. This process is normally complicated by the fact you own a home (which you need to sell), but want to make sure you find a home you like before you commit. I can save you money on your current home closing and insure you receive a great deal on your new home. Many times we can have same day closings for both; this way you are never homeless. I will work closely with all parties to keep this as stress free as possible. I have also set-up a V.I.P Agent Referral program to insure you have a real estate agent that specializes in selling your current home while negotiating all the details of your new home. This way you have honest professions with you every step of the way!
MOVING UP BUYERS; NEED A LARGER HOME:
This is an exciting time; you know what you want in a new home. I can offer you financing options; this way you can decide if you sell your current home or take the advantages of having an investment property. I have personally owned investment properties and can tell you from my personal experience the good, bad & ugly of investment properties. I have also set-up a V.I.P Agent Referral program to insure you have a real estate agent that specializes in selling your current home while negotiating all the details of your new home. This way you have honest professions with you every step of the way!
INVESTORS; BUYING FOR THE LONG/SHORT TERM INVESTMENT:
Many people are in this category; all the above and the individuals who want to acquire several investment properties. Again, because I have owned investment properties I can tell you from my personal experience the good, bad & ugly of investment properties. I will sit down with you and discuss your goals; such as how many properties you want to own, type of properties (commercial, land, single family or multi family homes) and location: together we can plan how to acquire the properties and financing options. I have also set-up a V.I.P Agent Referral program to insure you have a real estate agent that specializes in working with investors. This way you have honest professions with you every step of the way!
MILITARY LOANS; VA HOME LOANS:
If you have ever served in the military then call me! I will be honored to assist you in using one of your best benefits. Listed below are some common questions & concerns. Feel free to contact me if I can assist you in any way. Let me say THANK-YOU for all you & your family have given!
I am not eligible for a VA Loan...This may not be true; if you have ever served in the military as Active Duty, National Guard or Reserves you may qualify for a VA Loan. Contact me at brenda@imsiloans.com or call me at 931-905-6900 and together we can find out if you are eligible.
I can only use my VA eligibility once... not so you can use your VA benefit over & over. You may even be eligible to purchase a second home using the same eligibility with bonus entitlement if your first home was under $144,000.
What types of property can I buy with my VA Entitlement... you can buy a home in which you, and/or your family, intend to live in. This means a single family home, an approved condo or it could be a multi-family unit (up to 4 units) as long as you will occupy one unit. You may even purchase a home with land as long as the house has most of the value. (I have financed up to 40 acres with a nice home using VA Loans)
What options do I have if my VA Entitlement is securing another loan... In some situations you may still have enough of your eligibility left to purchase another home. Your first home needs to be under $144,000 to use bonus entitlement. We can explore other loan options that may fit your needs for a home loan if for some reason you cannot use your VA entitlement. Let's talk before you do anything; contact me at brenda@imsiloans.com or call me at 931-905-6900 and together we will find your best option!
How do I get my VA Certificate of Eligibility (COE)... Normally we can obtain your COE online, if not, VA requires two documents to issue your certificate.
1. An original Statement of Service from your personnel office (if you are still on active duty) or a copy of your DD-214 (member 4 copy...if you are no longer on active duty).
2. A signed and completed VA Form 26-1880. (Just look on the website under forms and print or we can provide a copy for your signature)
If you are relocating to the Clarksville/Fort Campbell area, I would be happy to get your COE for you!
How good does my credit need to be to qualify for a VA Loan... VA Loans focus on the past 12 months. If all of your monthly payments have been on time for the past 12 months then in most cases you will be approved for a VA Loan. But, if you have any outstanding collections or judgments you may have to pay them in order to receive approval. (Unless you have set-up a payment plan & have made all your payments on time for a year) If you have had a bankruptcy, then we need to talk...many times we can get an approval but there are too many factors to explain here. Contact me at brenda@imsiloans.com or call me at 931-905-6900 and let's talk; normally I can get you a home loan it just depends on your credit history. Feel free to contact me if you have any questions or concerns. VA loans are easy and offer great interest rates requiring no money down; use you VA loan today!
Brenda Tressler
