Once you have decided that the time is right and you are ready to use your VA loan benefits to become a homeowner, we can begin the process that will lead to your success in obtaining the home that will fulfill your goals and meet your needs. This process, backed up by our experience and track record of success representing VA homebuyers will take the guesswork out of your home buying experience eliminating nasty surprises, and allowing you to save thousands of dollars now and tens of thousands dollars in the long term.

Step 1: The Initial Consultation
Meeting with a Vetloan Buyer Specialist to discuss in depth your wants, needs, financial situation, and
what costs will be involved in the purchase of your new home. Before this meeting, a VA Loan Specialist will walk you through the VA financing process and help you to gather the information that is needed to provide you with a loan pre-approval as well as peace of mind. At no cost to you, the Loan Officer will issue you a pre-approval based on your job history, income, and credit history.

Step 2: Showings
Once your wants, needs, and comfort zone for price has been established, your VetLoan VA Buyer Specialist will meet with you to visit the five or six best properties we have selected that fit your criteria and price range as well as meeting the VA requirements. After the first showing appointment, the homes will be reviewed to determine if your criteria needs to be reevaluated.

Step 3: Offers
Don't be surprised if during the first appointment to see homes you find "the one ". The exclusive process used by VetLoan will illuminate the best and most desirable homes on the market that suit your needs and mortgage comfort zone. At this point, we will identify the homes that you like the most and sit down to discuss the negotiation strategy that will achieve the best results. We encourage our clients to make as many offers as possible, which will ensure the highest probability of a successful purchase. Next, we will go over the offers so that you understand all of the terms and implications of the agreement. As soon as the offers are complete, your VetLoan VA Buyer Specialist will immediately submit them to the listing agents of the properties and confirm receipt via phone.

Step 4: Negotiation
As expert negotiators, we feel it is important for you to understand that there is no blanket policy for negotiation. Every home is different with different circumstances so it is important identify the particular strategy that will work best for each home. We will work with you to ensure that the strategy being used will have the highest possible chance for your success.

Step 5: Escrow
After the buyer and seller of a home have established the terms and conditions for the transfer of ownership of that home (i.e. an accepted offer to purchase). An escrow will be opened with the agreed upon Escrow Provider. During the timelines specified in the purchase contract all investigations by the buyer will be completed and all contractual obligations met.

Step 6: Closing
The close of Escrow is the culmination of the home buying transaction. It signifies legal transfer of title from the seller to the buyer. Approximately seven to ten days before the scheduled close of escrow date, the loan documents are signed by the home buyer. The new lender usually requires 24 to 72 hours to review the signed loan documents. After the review period, the new lender wires the loan funds to the title company. Escrow collects the remainder, if any, of the buyer's funds for closing costs at the time of t he loan document signing so as to be ready to close escrow within the lenders time frame. Once the loan funds are wired, the file is then set up to "record." This is the legal transfer of title from the seller to the home buyer and usually will occur the same day the loan funds are wired. Once title has been transferred to the buyer, the escrow holder will handle all final accounting and issuance of official closing statements and distribute any remaining proceeds to the appropriate parties.

Step 7: The Final Consultation
Once your escrow has closed, your VetLoan VA Buyer Specialist will meet with you for a final consultation during which you will receive your keys as well as a customer service survey to tell us what you thought of our service and the process. Unlike many agents, your VetLoan VA Specialist's job does not end when your escrow closes. They will remain available to assist you with any issues that may come up.