Ok, it's time to re-invent yourself for the new year. Now that could mean a lot of things for you and I’m guessing you are pushing to meet lots of new goals for this year because if you are active duty in the military or a veteran, I know hitting goals are important to you. I’m excited because I get to take you on your journey to homeownership and every time I share a topic, I’m hopefully compounding on the reasons why you should re-invent yourself by considering homeownership.

Jeff Garman here and what I am about to share with you is information that most active duty military and vets will never know when they start their home purchase journey. Now, as always, after this video, I want you to download my guide what you need to know to qualify for a VA home loan. It will give you the 6 basic things you need to be eligible to use your VA loan.

Alright, I’m gonna put another one of my clients on the spot so you understand what this particular benefit can do for you if you understand how to take advantage of it. A few years ago, I got a call from a young family. He was a Petty Officer First class in the Navy or E-6 and his wife stayed home and took care of their 2-year-old little boy. They were renting and finally decided they wanted to buy a home. Problem was, they had some debt they were worried about and were afraid they would not be able to qualify for the loan and they were right. They had 7800 in debt and 5000 of it was a car they still had a few years left on and that car payment put them out of range to afford the house.

Well, guess what, the VA no money down loan allows for something called seller concessions and simply explained it just means that you can ask the seller of the home you want to buy for up to 4% of the price of the house to pay off your debt. That is huge. Now, the seller needs to agree to it and the realtor your using needs to know what they're doing and be willing to negotiate this and amazingly enough, many realtors have no clue about this. Luckily, my team and I work with many realtors across the country that do understand this.

Now finishing my story, lucky for the Petty Officer 1st class I was helping, the seller of the house they bought did just that. She gave him and his family 8000 dollars from the purchase price of the house to pay off the car and the 2 credit cards they had. They moved in with no debt and a lower house payment than the rent they were paying. Yet another reason why the VA loan is a huge benefit for you folks serving or those who have served.

On top of that, through our Military Heroes USA program, you get special discounts on your loan fees and a great interest rate. Again, somewhere around this video, you will see a link or button to my free VA Home Buying guide. Be sure you download that if you haven’t already.

And when you think you’re ready to get started, you can apply at militaryheroesusa.com by clicking on ‘See if I’m Eligible’ or you can call me anytime and speak with me or someone on my team and we’ll answer all of your questions and get you going. And hey, if you already bought a home, then like and share this information with someone who you think might benefit. Thank you for your service and have a great day!

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