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Housing

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Veterans and Active Military: Finding Your New Home

By | Financing, Home Loans, Housing, VA Loans | No Comments

The US is regularly plagued by natural disasters and crime. From California fires to hurricanes along the coast, there seems to be nowhere safe to go. Crime rates can be high in the US too; feeling safe in your home is important especially when trying to rejoin American society. If you or someone you love is a US veteran or active military member and has experienced the loss of a home, then we can help you. We will also go over low-crime-areas so that you can feel extra comfortable in your decision of choosing where to go next.

Naturally Safe

The last thing you want to have happened is to come home after service and have your home ruined by mother nature. It may be tempting to stay in the current state and find a new place to stay but in the event the natural disaster happens again, you don’t want to lose another home. Here are some amazing states that are considered the safest from natural disaster damage:

  • Montana
  • Maine
  • Colorado
  • Vermont
  • Minnesota

Publicly Safe

Not only are natural disasters a scary situation but being in fear of your community every day is a whole other beast. Especially for veterans suffering from PTSD, walking on eggshells every day is too much anxiety to handle. There are several states that you can make home so you can sleep easy every night knowing that your potential state has low crime. Here are the top safe states of 2019:

  • Maine
  • Vermont
  • New Hampshire
  • New Jersey
  • Idaho

After Choosing

As you can see some of the states do overlap in safety for both variables. If you have made your choice of where to live, then you may need some assistance in locking down your dream home. A great resource for veterans and active military is a VA home loan. You can get a home loan for $0 down, which is only one of the many benefits a VA home loan has to offer.

VA Loan Benefits

  • No required down payment percentage
  • No monthly mortgage insurance premiums
  • The lowest average interest rate of all loan types
  • No prepayment penalty

Feel Safe

Whether you’ve lost your home or are simply looking for a safer place to live, knowing you have another perk from your military service is sure to ease your nerves. A VA home loan can help you financially and mentally so you can confidently plant your feet in a place you know is safe.

Before you speak with a local VA home loan specialist you can get a quote online if you want to buy or refinance your home. With a VA home loan, you can save up for furniture, relocate easily, and recover from disasters straightforwardly.

In State Specialist

As you noticed, Idaho is one of the safest states in terms of crime rate. For information on moving to Idaho and purchasing a home using a VA home loan, Devin Fahrner will be your best resource. She is an experienced mortgage loan officer that understands your situation and can guide you in the right direction for an Idaho VA home loan. See why Idaho is one of the best states to live in for military personnel, veterans, and military families.

Beautiful home for veterans with a VA home loan

What To Look For In Your New Home

By | Home Loans, Housing | No Comments

Whether you are buying for the first-time, relocating, downsizing, upgrading, or anything in between, there are certain things to keep an eye out for as you shop the market. Some of these come down to preference but others can serve as indicators for the quality and state of the home.

Checklist for Home Buyers

Once you’ve secured your VA home loan approval, having a mindful awareness of these checklist items can help you narrow down your selection in the home buying process.

Decide On Dealbreakers

Before looking at a single home, you should think about what you are and are not willing to live with. Developing a clear list of deal breakers through brainstorming will be a huge asset once you begin touring properties. It will also be important to rank these because, more than likely, you will have to compromise some desires for other needs. Your perfect home is out there. It just might need a little negotiation and/or adaptation.

Location & Property

We can’t say it enough: location, location, location. The location of any new home is very important for home buyers to consider. Thinking over which areas and neighborhoods will suit your family, lifestyle, commute, and goals best can narrow down the house hunt, making the most of your time.
It is also important for home buyers to think about what the expectation for the property is going to be. Things like yard space, gardens, driveway, landscape, and other surrounding elements are crucial to finding you the right home.

Floorplan

Floorplans are the foundation of the home. They will dictate what your morning routine looks like, where you’ll spend the majority of your time in the home, and ultimately how satisfied you are with your investment. Because of this, fluidity matters. Thinking through the utility of the space as it stands as well as any changes you might make to the floorplan can make the decision of whether to buy or pass for you.

Nuts and Bolts

Nothing is worse than taking a huge step toward purchasing a house, getting the appraisal completed, and finding out that the functional infrastructure of the home just is not up to par. Before you fall in love with a home, you can maximize your time by asking questions about things like plumbing, heating, cooling, ventilation, and even insulation. Be mindful of weird noises, sounds, or smells as your tour the property and always ask questions.

Lighting

Beyond the nitty gritty, there is also comfort to consider. Depending on when you visit the property, the sun may or may not be doing the property favors. That being said, lighting has a lot to do with how we function in our homes. So, make sure that your home has both the lighting fixtures you want and the natural lighting you need.

Finishings

Finishing touches on a home don’t need to be an afterthought. Rather than taking a home ‘as is’, you should take into account what detail work is not meeting your expectations. If this list is overwhelming, it may not be worth the extra work on your part. Keep in mind that some sellers may fix these on top of any bigger repairs decided on after the home inspection. Finishing details to keep in mind might be:

  • Molding
  • Backsplash
  • Hardware
  • Tilework
  • Fireplaces

Need For Renovation

If there is a need for renovation, tally up costs you anticipate and be conscious of the additional investment you may need to make. Often times, there are home loans that integrate renovation costs into the loaning structure. Especially for veterans, there are specific VA home loans are geared toward putting quality of life at the forefront with renovation incorporations available within the terms of the loan.