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3 Things You Must Do If You Want the Best Interest Rates on the VA Jumbo Loans by Alice Campbell

3 Things You Must Do If You Want the Best Interest Rates on the VA Jumbo Loans by
Article Posted: 07/31/2018
Article Views: 278
Articles Written: 689
Word Count: 664
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3 Things You Must Do If You Want the Best Interest Rates on the VA Jumbo Loans

Finance & Investment

The VA or Veterans Administration Jumbo Loans, as the name suggests, are loans involving massive amounts of money, over the conforming limit of $453,100. VA borrowers can even borrow an amount up to $2,000,000 at 100 percent financing in accordance with the VA county loan limit. You just have to pay a down payment of 25 % on the difference from the purchase price to the VA loan limit for your county. You can also opt for the VA Interest Rate Reduction Refinance Loan (IRRRL) if you want to refinance the existing VA jumbo loan in Texas into a fixed rate loan or want to reduce the rates of interest or shorten the term of the loan without taking more equity out of your property. Apart from the spouse of an eligible veteran, the non-veterans cannot apply for the VA Jumbo loans.

However, those who qualify for these loans have to also meet certain basic requirements which are slightly tougher than the other conforming mortgages. If you want to get the best interest rates in Houston for the VA Jumbo loans, you have to maintain a few things. Here, we have put together 3 things to do if you want to get the best interest rates. Take a look.

 1. Decide if you need this loan or not

First, you need to ask yourself whether you truly require the VA Jumbo loan of that amount. Of course, it depends on where you are currently located or want to live. The loan amount available will obviously depend on the location. So, you need to check your threshold by choosing the sort of state, territory, or county you reside in. You will be able to access better terms on the loan if you stay below or at the loan threshold of your county. If you resort to a reputed an experienced real estate lending service, the home loan specialists can guide you better regarding this.

 2. Check your credit score & loan to value ratio

Credit score is one of the most important factors when you are applying for a loan. Your lender will approve the loan only if you have a good credit record. Try to have the credit score towards a high position if you want a greater command over the interest rates. You should also maintain a good loan to value ratio, that is the amount they are lending you relative to the value of the property. This ratio determines your rate of interest and also decides on your loan approval. So, both your credit report and the LTV or loan to value ratio must be considered while applying for a home mortgage loan.

 3. Compare the rates in the market

Lastly, you should not make any purchase without comparing the interest rates with other lenders. You must compare the rates offered in the market and check if this is the cheapest option you have got. Consider at least 3-4 lenders for comparing the annual percentage rates, which will represent the loan's complete cost. If you notice that the conforming rates are higher than the jumbo rates, then you can go ahead with a jumbo loan.

Don’t be disheartened if you cannot get the best interest rates for the VA Jumbo Loans in Texas. If you resort to a good real estate lending service, they can help you with several other alternatives.

Author Bio: Joan Gallardo, with much experience as a Senior Loan Officer, here writes on 3 things one needs to do in order to get the best interest rates in Houston for the VA Jumbo Loans in Texas.

Related Articles - Best interest rates in Houston, VA Jumbo loans in Texas,

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