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0 Down Home Loans for Veterans

Thank you for your service! Veterans, active military, and their families qualify for VA home loans or mortgage refinancing with no down payment. West Coast Mortgage Group works to get your VA loan a great mortgage rate, all guaranteed by the Department of Veterans Affairs.

To honor our the United States Armed Forces, the VA loan is one of the few mortgage options for buying a home with minimal credit needed and no money down. Available to millions of veterans and active military members, VA loans are easy to qualify for and can be your best option over FHA loans and Conventional loans.

Advantages of a VA Home Loan:

• No down payment required.
• Easy to qualify for veterans, active military, and their families.
• No monthly mortgage insurance.
• Typically, lower interest rates than FHA loans and Conventional loans.
• For over 15 years, West Coast Mortgage Group has helped veterans and their families purchase homes. Our experience with securing VA loans, commitment to supporting our troops, and respect for their service are all driving forces for us to help you purchase your new home.

We make the process simple. Your Loan Specialist will be with you every step of the way, working on your behalf. All you need to do is sign the papers with confidence and move in. We are proud to continue serving clients in California, Colorado, Florida, Idaho, Maryland, Nevada, New Mexico, Oregon, and Washington as we have been for over 15 years.

Ready to move into your new home? Contact us today to get started![/vc_column_text][vc_separator color=”custom” accent_color=”#285ab3″][vc_column_text el_id=”fha”]

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Jumbo Loan

Home Loans Which Exceed Conventional Limits

Move into your forever home, invest in a new property, or treat yourself to a vacation spot with a Jumbo Loan from West Coast Mortgage Group. A Jumbo Loan allows borrowers to secure financial loans which would normally exceed the limits set by traditional home loans like an FHA or Conventional home loan. Maximum loan amount varies, but this option allows borrows to enjoy the same perks associated with fixed or adjustable mortgages at a larger rate with attractive term options.

Getting a Jumbo mortgage is easier than you think! West Coast Mortgage Group has great mortgage rates! If you have a good credit score, a low debt-to-income ratio, and are able to provide a greater down payment, a Jumbo Loan may be right for you. Jumbo mortgage loans usually require a 700 or higher credit score and have the same overall qualifying needs as a traditional loan.

Advantages of a Jumbo Loan:

• Qualify for more than traditional loan limits.
• Down payments can be as little as 5%
• Interest rates have fallen on par with traditional loans.
• Purchase a home which fits all your needs and wants!

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FHA Streamline Refinance

Lower Your Interest Rates

Homeowners with existing FHA Loans may be eligible for special FHA Streamline Refinancing. No appraisal necessary, and poor credit is OK. It is the fastest, simplest way for FHA-insured homeowners, like you, to refinance your mortgage. Even if you no longer live at the property, you can qualify for an FHA Streamline.

Two easy refinancing requirements for lower interest rates:

You have had income for the last 12 months.
No late mortgage payments in the last 12 months.

Advantages of an FHA Streamline Refinance:

No income verification needed.
No asset verification required.
No minimum credit scores.
No home appraisal needed.

Who Should Apply?
Anyone who wants lower monthly interest rates.
FHA Loan borrowers.
Homeowners of at least 6 months with no missed payments.
Those with a loss of income.
Those with homes in need of repair–no appraisal needed.

West Coast Mortgage Group will help you drop your mortgage interest rates and start saving money today. We will work on your behalf and take care of the process, simply sign the papers and move into your new home. We are proud to continue serving clients in California, Colorado, Florida, Idaho, Maryland, Nevada, New Mexico, Oregon, and Washington as we have been for over 15 years.

Looking for low mortgage rates or to refinance your home? Contact us today to get started![/vc_column_text][vc_separator color=”custom” accent_color=”#285ab3″][vc_column_text el_id=”irrrl”]

VA IRRRL Streamline

Veterans, Lower Your Mortgage Rate by Refinancing

An IRRRL, or Interest Rate Reduction Refinance Loan, is perfect for veterans and military families who want to pay a lower monthly interest rate. This type of refinancing generally does not require a home appraisal or underwriting package and has significant benefits and savings.

Advantages of a VA IRRRL Streamline Refinance Loan:

• No home appraisal needed.
• Lower your mortgage interest rates.
• Minimal documentation required.

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Down Payment Assistance

Down Payment Assistance Can Lower Your Monthly Mortgage Payments
If you have been looking to refinance your mortgage but had difficulties, our down payment assistance makes home purchasing simpler and more affordable. Take advantage of today’s low-interest rates and reduce your monthly mortgage payments. West Coast Mortgage Group can help you lower your payments, today!

Advantages of a down payment assistance:

• Lower your monthly interest and mortgage payments.
• No minimum credit score required for eligibility.
• Minimal documentation required.
• In some cases, no home appraisal needed.
• Build equity in your home.

Get Your FHA Loan
With West Coast Mortgage Group, getting approved for down payment assistance is easy. We are proud to continue serving clients in California, Colorado, Florida, Idaho, Maryland, Nevada, New Mexico, Oregon, and Washington as we have been for over 15 years.

Looking for low mortgage rates or to refinance your home? Contact us today to get started![/vc_column_text][vc_separator color=”custom” accent_color=”#285ab3″][vc_column_text el_id=”reverse”]

Reverse Mortgage

What is a Reverse Mortgage?

For homeowners 62 years or older, a reverse mortgage allows you to convert part of your home’s equity in into cash. Your monthly mortgage payments will stop, instead, your lender will pay you. This is a great method of “cashing out” on your home’s value to pay for living expenses or medical bills. You would not need to pay back the loan until the home is sold or vacated.

As long as you live in your home, you will no longer make any monthly payments. Instead, your lender will pay you! You will never owe more than the value of your home, regardless of how much you borrow. If the balance is less than your home’s value at the time of repayment, you or your heirs keep the difference.

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USDA Mortgage

Get a USDA Mortgage With No Down Payment!

Purchase a home with no money down through a USDA Home Loan. This government home loan is designed for homebuyers to improve the economy and quality of life in rural America. Available to anyone, there are no minimum credit score requirements to be eligible You do not need to be a first-time homebuyer to take advantage of no down payment on a USDA Home Loan with West Coast Mortgage Group.

If you would like to live a quieter lifestyle in a small town or the beautiful countryside, this is the perfect home loan for you. Properties are typically standard, single-family homes located in suburbs or rural areas. Your loan amount is based on your income and there is no limit to the amount you may qualify for.

Next, to VA Home Loans, the USDA Home Loan is the best way to buy a home with no down payment financing and no money down. Just compare down payments below:

• USDA loans: 0% down
• VA loans: 0% down
• FHA loans: 3.5% down
• Conventional loans: 3% to 20% down payment

Loan Guarantees

The USDA guarantees you a mortgage through West Coast Mortgage Group with no money down.

With West Coast Mortgage Group, getting approved for your no down payment USDA Home Loan is easy. Working on your behalf, you simply sign the papers for your new home—no down payment needed. We are proud to continue serving clients in California, Colorado, Florida, Idaho, Maryland, Nevada, New Mexico, Oregon, and Washington as we have been for over 15 years.

Ready to move into your new family home? Contact us today to get started on your USDA Home Loan![/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]

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