Military Moves to / from New Jersey

Military couple admiring home they just bought. ID 33400122 © Feverpitched | Dreamstime.com

BUYING A HOME

Buying a home is a bit more complicated than it used to be, because Federal regulations governing mortgages have been tightened. So, if you will be relying on a mortgage - even if it's a VA Loan - you may have to "jump through a few more hoops" than in the past.

But, don't worry, your VA Loan advisor and Robin will guide you through the process.

Approved mortgage application, with calculator. ID 71873508 © Kittisak Jirasittichai | Dreamstime.co

ARE YOU ELIGIBLE FOR A VA LOAN?

Before you apply for a VA Loan, you must get a Certificate of Eligibility (COE) from the Veterans Administration. (A surviving spouse may also apply.)

Check the requirements for your term of service at the VA website.

VA LOAN QUALIFICATION LETTER

Many of the mortgage lenders with whom I work specialize in securing VA Loans. After verifying your eligibility and gathering some basic financial information, the mortgage specialist will issue a Qualification Letter, which shows "how much house" you can afford. You will submit a copy of this letter with your offer to buy a house.

Contact Robin, to be referred to a reliable mortgage specialist.

Contact Robin

AVOID "FIXER-UPPERS"

Not all homes will meet the VA's minimum property standards. The government does not want its heroes living in unsuitable homes! So, a home that is obviously a "fixer-upper" is unlikely to pass a VA-sponsored inspection or appraisal.

Work with a REALTOR who is experienced with VA Loans, and will spot obvious problems with a property that would make it ineligible for a VA Loan. It's also a good idea to avoid foreclosures and short sales, as those properties are sold "as is" - no one but the buyer will make critical repairs on those properties.

AVOID FLOOD ZONES

AVOID "FIXER-UPPERS"

The VA wants our Veterans to be in worry-free homes. So, homes that are in flood zones are unlikely to be approved.

FEMA has redrawn the flood maps in New Jersey, following the devastation caused by Hurricane Sandy, Hurricane Irene, and Hurricane Floyd. So, ask your REALTOR to order an updated flood zone report on any home you plan to buy.

Counties of New Jersey, highlighting Middlesex County

SEARCH FOR PROPERTIES IN CENTRAL NEW JERSEY

Although I can assist you with properties anywhere in New Jersey, I focus primarily on communities in Middlesex and Somerset Counties.

Featured Listing:

302 Edgar Ave, South Plainfield, NJ 07080

Here, you can search for properties in several of the communities I serve (opens in a new window):

MILITARY BUYERS: Buying a Home

BUYING A HOME

ARE YOU ELIGIBLE FOR A VA LOAN?

VA LOAN QUALIFICATION LETTER

AVOID "FIXER-UPPERS"

AVOID "FIXER-UPPERS"

AVOID "FIXER-UPPERS"

AVOID FLOOD ZONES

AVOID "FIXER-UPPERS"

AVOID "FIXER-UPPERS"

SEARCH FOR PROPERTIES IN CENTRAL ​NEW JERSEY

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SEARCH FOR PROPERTIES IN CENTRAL NEW JERSEY