You Pick Local Florida Homes You Like, Vivian Corwin Will Do the Rest.
Vivian Corwin goal is to provide you with the most professional, ethical, and informed services for buyers utilizing my time, effort, and resources to successfully fulfill your Real Estate needs. My goal is to provide value guide you through the home buying process with ease and comfort. This may be one of the biggest investments you will make.
I promise to help you make the best decision for you life!
Serving Military Members And Veterans is My Passion
DOWNLOAD My Home Buying Guide Exclusively for Military Members and Veterans to Help You Make the Most of Your Housing Benefits!
VA LOAN ELIGIBILITY
Not everyone who served in the military automatically qualifies for a VA loan.
Here’s what you’ll need to verify that you’re eligible:
You’re an active-duty service member who has served at least 90 continuous days of active duty.
You’re a veteran, National Guard member or Reserve member and you meet the active-duty requirements for your dates of service.
You’re a surviving spouse of a service member who is missing in action or who died while in service or from a service-related disability.
Let's take a deeper look at the most significant VA loan advantages
What is a VA loan?
A VA home loan is a special type of mortgage guaranteed by the U.S. Department of Veterans Affairs (VA). It’s only available to qualified borrowers as a part of their military benefits — this generally includes active-duty service members and veterans, though in special cases military spouses may also qualify.
No down payment
The vast majority of VA borrowers won’t be required to make a down payment
if they don’t want to. However, in some cases it makes good financial sense to put money down
— it can reduce the amount you’ll have to pay as a VA funding fee (more on that below), and you’ll end up with a smaller loan amount. The smaller the loan, the less you pay in interest and the faster you build equity.
No mortgage insurance
Most low- or no-down-payment loan programs available to civilians require mortgage insurance
, which covers lenders in case you default on your payments and they have to foreclose on your home. The VA doesn’t require mortgage insurance on any of its loan types.
Closing costs capped at 1%
VA lenders can only charge 1% of your loan to cover their fees, making VA loan closing costs
more affordable than other loan programs. Neither FHA loans nor conventional loans have similar caps on origination or lender fees. Many lenders (those who work with veterans and civilians alike) charge around 1% on just their origination fee but may also charge you fees for your application, underwriting or the processing of your loan.
For homebuyers, buying a home will probably ranks as one of the biggest personal investments one can make. Being organized and in control will contribute significantly to getting the best home deal possible with the least amount of stress. It's important to anticipate the steps required to successfully achieve your housing goal and to build a plan of action that gets you there. Before you can build a plan of action, take the time to lay the groundwork for your decision making process.
First, ask yourself how much you can afford to pay for a home. If you’re not sure on the price range, find a lender and get pre-approved. Pre-approval will let you know how much you can afford, allowing you to look for homes in your price range. Getting pre-approved also helps you to alleviate some of the anxieties that come with home buying. You know exactly what you qualify for and at what rate, you know how large your monthly mortgage payments will be, and you know how much you will have for a down payment. Once you are pre-approved, you avoid the frustration of finding homes that you think are perfect, but are not in your price range.
Second, ask yourself where you want to live and what the best location for you and/or your family is. Things to consider:
convenience for all family members proximity to work, school crime rate of neighborhood local transportation types of homes in neighborhood, for example, condos, townhomes, co-ops newly constructed homes etc.
WHAT MY CLIENTS ARE SAYING
"Vivian helped us purchase the perfect home for our family!"
The home was a short sale, and the process ended up being extremely complicated due to the seller living in the Philippines. Vivian was there for us every step of the way! She is a wonderful real estate agent, and we are so thankful that we had her help throughout this process! She went above and beyond in every aspect. She is truly one of a kind in the world of real estate!!
-Bobbi Jones
"Vivian helped us find our new home while we were several states away!"
She was patient with all my questions, quick to respond, and very flexible with her time. Once our offer was made, she made several trips to the house to check on progress. We are so thrilled we found her!!
- Jennifer Rennekamp
"Vivian is by far the greatest realtor."
I've had the pleasure of working with, not only was she available through my military retirement, but was also incredibly diligent, helpful, but most of all PATIENT. my process took so long, and she was very gracious, listening attentively to all my wants and needs. She also provided an incredible amount of information, not only about the home, but also the neighborhoods, schools, shopping, and anything else I may have needed. I know I will be using her services for future purchases as my family, and I grow in our home.
- Cam Fischer.
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