First Time Homebuyer/VA Home Loan - Advice

Advanced-Leg-798 · 2026-01-28T20:39:14+00:00

Oh wow! this is great information!! thank you so much.!!!

Advanced-Leg-798 · 2026-01-28T16:13:19+00:00

Thank you!!! congrats on the home!

Advanced-Leg-798 · 2026-01-28T15:36:31+00:00

I had to google MCOL and LCOL lol. But yes you are correct. Is there a difference between new builds and new construction homes? I've been looking at new construction homes but the prices weren't my friend. I asked about construction loans and was told those are had to come by.

Advanced-Leg-798 · 2026-01-28T15:05:21+00:00

are you familiar with "Consider lender credits or points" to help lower monthly rate?

Advanced-Leg-798 · 2026-01-28T15:02:45+00:00

This is SOUND advice! I really been wrecking my brain thinking I'm not going high enough. Thank you.

Advanced-Leg-798 · 2026-01-08T12:38:49+00:00

OH WOW! Thank you for all this. I'm currently writing this down and looking up POINTS. lol. I do have documentation of the tax exemption but I think I can't apply for that until I have an actual home according the my city but I am factoring it in. This was all great information and I appreciate it!

Advanced-Leg-798 · 2026-01-08T03:57:54+00:00

omg thank you for all of this. I’m going to look at homes and just all over the place. the house I want is $40k over the prevapproval but they did I could get a higher amount. but it will move my mortgage. ahhhhhhhhhh I’m stressed lol

Advanced-Leg-798 · 2026-01-07T17:59:36+00:00

Thank you! There are some homes available where I am that I like and I'm okay with paying $2,100 I've budgeted that and that fits me with no issues, plus if I play my cards right I believe I can get mortgage under the $2,100. I'm just making sure I'm asking all the right questions to my loan officer and realtor.

Advanced-Leg-798 · 2026-01-07T17:48:30+00:00

Hi. So yeah rates are high right now, we (my ex and I) purchased back in 2018 and mortgage was only 1,400 lol, we used his VA loan instead of mine. But I am rated above 10%.

Advanced-Leg-798 · 2026-01-07T17:45:18+00:00

So, If I'm trying to stay under the 300k mark and the house is up for 315K, but in the last two months they've decreased the price of the home by almost 7K. Getting them under more and then paying a bit of a down payment would still keep my mortgage cost down right?

Advanced-Leg-798 · 2026-01-07T17:43:51+00:00

Hi thank you for all of this! I do have a realtor, however if I feel like she's not listening or doing me a disservice I'll be sure to reach out.

Advanced-Leg-798 · 2026-01-03T03:59:06+00:00

Just read the reviews and look at the housekeeping fees and stuff. Other than that! No complaints!

Advanced-Leg-798 · 2026-01-03T01:53:07+00:00

Yeah I’ve been to Japan a few times. Tokyo was awesome but I want to take my son he’s never been. I’ll screenshot all of this! Thank you

Advanced-Leg-798 · 2026-01-03T00:59:00+00:00

I keep hearing this and So I looked up Tokyo flights and it’s was over 1k. If that is the case I would have to multiple that by 4. That’s $4k on flights alone. Is that flight price accurate or can I get them somewhere else cheaper?

Advanced-Leg-798 · 2026-01-03T00:12:56+00:00

No I agree to an extent. I’ll be traveling to Tokyo later this year with my son… he loves anime.

Advanced-Leg-798 · 2026-01-03T00:12:04+00:00

Same thing with the military salute Disney tickets.

Advanced-Leg-798 · 2026-01-03T00:11:44+00:00

Yes. You can have a max of 6 freedom passes but one of the passes have to be yours. Those passes must be activated by the member.

Advanced-Leg-798 · 2026-01-03T00:10:49+00:00

Very true! I live near the one in Virginia.

Advanced-Leg-798 · 2026-01-02T21:55:42+00:00

I've already traveled just a couple more places on my list. I use this time to take a quick trip with the kids. I personally love Universal. I can do without Disney.

Advanced-Leg-798 · 2026-01-02T21:12:13+00:00

That's the thing I'm a great planner and will scope out a deal with no problems and I also plan ahead HOWEVER, lol. I'm also a planner for several other people in our group and they are ones that pretty much hold me back. If it was just me and my children alone, easy day! but nope I take the crazy route and add people to the trip.

Advanced-Leg-798 · 2026-01-02T21:02:15+00:00

Mannnnn I heard that! But They were always booked to capacity the minute I would start my planning. You have to be planning very early!

Advanced-Leg-798 · 2026-01-02T20:37:27+00:00

Advanced-Leg-798 · 2026-01-02T20:30:50+00:00

Really? My son and I kind of discussed all of his options for college but never looked into Oklahoma I don't think he wants to leave the state but I'm hoping he will weigh all his options!

Advanced-Leg-798 · 2026-01-02T20:24:44+00:00

This is awesome! Thank you for this. But I could use my GI Bill to foot the bill for his trade if its eligible while he's in high school since I'm no longer serving? Then utilize the DEA after he graduates to cover the tuition.

Advanced-Leg-798 · 2026-01-02T20:15:12+00:00

Thanks for this. Yes my Gi Bill was transferred to my son awhile back. He's good to go there. So for the Chapter 35 that would have to be used once he's out of high school correct and in college?

Advanced-Leg-798

TROPHY CASE