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VA Home Loan Myth Busting (F)

June 10, 2025 12:30 PM - 2:30 PM (EDT)

Description

In Person  Course: pending approval  Topic: F  1.5hrs  Instructor: Bill Bloom, Jr. Embrace Home Loans

Introduction (10 minutes)  Welcome and Overview  Brief introduction to VA home loans.  Importance of debunking common myths.  Objectives of the Class  Clarify misconceptions.  Provide accurate information about VA loans.  Brief Overview of VA Loan Benefits  No down payment, no private mortgage insurance, competitive interest rates, etc. Myth 1: Zero Down = Weak Buyer (15 minutes)  Explanation of the Myth  Discuss the common misconception and its origins.  Reality Check  Explain how zero down doesn't equate to financial weakness.  Discuss the financial profile of typical VA loan recipients.  Case Studies  Share success stories of veterans who bought homes with zero down. Myth 2: VA Loans are Harder to Get Through Underwriting (15 minutes)  Understanding the Myth  Outline why some believe VA loans are harder to underwrite.  The Truth About VA Loan Underwriting  Compare VA loan underwriting standards with other loan types.  Discuss the VA's guidelines and flexibility.  Real-Life Examples  Present examples where VA loans were successfully underwritten without issues. Myth 3: VA Loans Take Longer to Close (15 minutes)  Origin of the Myth  Discuss how this misconception came to be.  Actual Closing Timelines  Present statistics on VA loan closing timelines vs. other loan types.  Efficiency Tips  Share best practices for ensuring a smooth and timely closing process. Myth 4: The Seller Must Pay the Veteran's Fees (15 minutes)  Myth Explained  Clarify what the myth is and how it misleads.  Clarifying Seller and Buyer Responsibilities  Detail what fees sellers and buyers typically pay in VA loan transactions.  Negotiation Strategies  Offer tips on negotiating fees in the home buying process. Myth 5: You Can Only Have One VA Loan (10 minutes)  Debunking the Myth  Explain the reality of VA loan entitlement.  Multiple VA Loans  Discuss scenarios where veterans can have more than one VA loan.  Personal Stories  Share anecdotes of veterans who have successfully utilized multiple VA loans. Myth 6: VA Appraisals are Tougher (10 minutes)  Myth Versus Reality  Outline the myth and contrast it with actual VA appraisal standards.  Understanding VA Appraisals  Discuss the purpose and process of VA appraisals.  Comparative Analysis  Compare VA appraisals with conventional loan appraisals. Conclusion and Q&A (10 minutes)  Summary of Key Points  Recap the myths busted and the truths revealed.  Open Floor for Questions  Allow participants to ask questions and clarify doubts.  Closing Remarks  Emphasize the importance of understanding VA loans for veterans and stakeholders. Additional Resources (Handout)  List of Resources  Provide handouts or links to resources for further reading and assistance.  Contact Information  Offer your contact information for follow-up questions or consultations.

Time

Class: 1pm - 2:30pm Sign in: 12:30pm

Location

CARROLL COUNTY ASSOCIATION OF

In Person
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Contact Information

Carroll County REALTORS®
Name: Kitty Owings
Phone: 8570388
Email: kitty@carrollrealtors.org

Must show photo ID on arrival.


*$30 Charge for NO SHOW FEE without 24-hour notice*


Contact: ccar.info@carrollrealtors.org for cancellation.

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