VA Home Loan Benefits – Are You Using Yours?

Photo by Jessica Radanavong on Unsplash

First and foremost, thank you to all service members for your service!

Recently I had the honor of attending a seminar taught by Tony Dias, the Steward of Aligned Mortgage and a U.S. Marine Corps veteran. The room was filled with fellow Realtors. Near the start of class, he asked if all service members present could stand, a big handful stood. Then he asked if those who were spouses of a service member could join those standing, another big handful rose. Lastly, he asked if those whose parents were service members could rise, and by then the majority of the class was standing. The result of how many of us just in that one room had a connection to the military was astounding.

At the end of the full day seminar I walked away not only more knowledgeable on the VA home loan benefit, but  I also left with a heightened appreciation for service members and their families that endure the constant PCSing and the components that go along with that. My father served in the Army, but by the time I came along he had already served his term, fought in Vietnam, and moved on to become a police officer. I never had the experience of relocating every few years, watching my mom having to change her job, us kids having to switch schools, leaving friends behind, and having to start virtually new lives as a whole family time and time again. I have been merely a bystander experiencing vicariously through friends, neighbors, and my 13 years in real estate.

Benefits of Owning a Home

Looking past the tedious tasks of moving, and the stress and emotions, Tony really does an excellent job at explaining how service members can use their VA Home Loan Benefit coupled with their BAH to buy property and make a home for their families. He shows you how to turn a temporary situation into one with immediate and long term benefits. Wouldn’t it be great to own your home? No base housing or renting that only makes a temporary move feel even more temporary! Whether Active duty or a retired Vet, homeownership and building wealth through real estate is possible and Tony explains the entire process. From determining eligibility, going over the details and guidelines of the VA Home Loan, and providing realistic scenarios and figures, Tony covers it all. You will gather all the info needed to show you how your benefit can serve you.

Statistics from hicentral.com

Currently, on the island of Oahu, the median price for a single family home is $770,000, and $417,500 for a condo. The average annual appreciation over the past 34 years for a single family home on Oahu is 4.64%. That’s $32,480 average yearly appreciation on a $700,000 house. The appreciation rate is very comparable on a condo at 4.62%. That’s $20,790 average yearly appreciation on a $450,000 condo. If you could own your home and build equity, wouldn’t you want to see how? With zero money down, see how the VA Home Loan can help you achieve this.

VA Home Loan Facts

• The VA loan limit in Hawaii for 2019 is $726,525 (Jumbo loans up to $1.5 million)
• You can use your benefit more than once
• A seller can credit up to 4% that can be used for closing costs, prepaids, and even a rate buy down

Attend an Aligned Mortgage VA Home Loan Benefit Seminar to learn even more facts you never knew about the VA Loan!

Not only for active duty members, but for ALL that have ever served, Vets and retirees, including Reserve and National Guard. Find out if you are eligible for a VA loan and get on the path to homeownership, to building wealth, to achieving the American dream that you made possible for so many by defending this country.

Larry Gonzales with Aligned Mortgage can start your pre-approval and answer any further loan questions you may have. Larry is a VA Home Loan expert and a U.S. Navy retiree. In fact, many loan experts at Aligned are veterans themselves or family members of. They have a thorough understanding of your situation and needs.

The flyer below shows FREE upcoming seminars provided by Aligned Mortgage. Contact me to register!

Aligned Mortgage, Tony Dias Education Center located at 94-539 Puahi St, Waipio, HI 96797

For more information please feel free to contact me! I would love to be your chosen real estate professional.

Jaclyn Kanoelani Williams
REALTOR-Broker, RB-22758
MRP (Military Relocation Professional)
808-255-5356
jaclynkanoelaniwilliams@hawaiilife.com