Home Buying Advice with a VA Loan?

I bought my house with a VA Loan. $0 Down Payment, seller paid the closing costs and I closed in less than two weeks.

Ok, I know I am a little late on this thread, but it seems the most relevant to my case. I just signed all of my papers and have about 60 days before my terminal leave starts. I have decided it is probably cheaper to buy a house than to rent one when I get back home, but I have SO many questions... What is the process?? Where do I start?? What if I have terrible credit?? oh, and I am 100% disabled through the VA. I have always rented from people right outside of the base and dont really have parents. Also, I dont know that many people in Indiana that have used the VA loan so I can ask questions. I just need help.

We have used it 2x's, one time in the early 90's and right now. It has come a long way but you have to find the right people. We used Veteran's United, specifically the Rick Bridgeman team, and they were a godsend, other than having to assist some with student loan data and sending in employment data, they've done basically everything including finding us an awesome realtor team too. Even credit issues, they have a free credit repair company that will hold your hand until all 3 scores are above a 620. We close on the 31st!

I have done so twice and it isn't really that much of a problem.  There are certain restrictions as to what you can buy and how much the APR can be, but for the most part, it's a really good program.

I am a Realtor in Georgia and I used mine! It wasn't anymore painful than a FHA Loan. It took a few more days than normal but I think it is worth it. You earned it use it! Plus you can use it more than one time!

I lost my VA home repossed, 21yrs ago. Can I requalify for a new VA home lone.

How does credit play in to the loan process. I have recently had to file bankruptcy because of divorce and need to build a house on the land i have

I used the VA and my process was easy. I had no pains or hiccups. I didn't go to the table with money but got money at closing which was unexpected. I would say it is worth it. This was my first home process and I got a new build.

Got my first VA loan a few years back and the rate is unbeatable. FYI when they come to look at the house they are supposed to check to make sure the house meets certain standards that may be different from your local code. We had just built a deck only a couple steps off the ground and were not required by code to have any railing. To get the loan approved, we had to put in hand rails on the steps for ADA reasons... made the deck look really weird and took extra time because we did not plan on that - but I get it they are looking out for disabled vets. Just wish the VA did more to look out for other disabilities vets really struggle with than climbing two steps, but thats for another post / rant lol.

I bought my home in Colorado in 1990. The house was $117,000. It was a little bit of pain to go through the process but no more so than any other govt backed mortgage (Fannie Mae, Freddie Mac, USDA etc.) It took 2 to 3 months as best I can recall. Things like crap on your credit history like unpaid dentist or medical. And that's with ok credit. Not great. My score was in the low 600's.
Fast forward to today and I'm a real estate broker. I'm a member of the Legion and VFW in my hometown of Saugerties NY. I've been doing this for 7 years.. There are people to watch out for. I don't trust any person or business that offers special treatment for Vets. But that's just me. Anyone is entitled to make a profit for a service. I've been truly blessed. I got out 9 FEB 1969. Drafted in July '67. For some reason, when almost everyone in my Fort Jackson basic company was sent to Ft Polk for light infantry and then, on to Nam, me and 5 guys got sent to Ft Gordon for MP training. And for whatever reason, when everyone was sent to Nam, my entire company was assigned everywhere but Nam. Most went to Germany and Okinawa and all over the world. Me and a couple other guys went Korea. Joint Security Area Panmunjom. In April of 1968 my best friend Sgt James Anderson (Andy to us) was killed in an ambush in a routine shift change. I made that same ride thru the zone countless times. I made it back. Andy and 3 others didn't
I only tell you all this because of my gratitude to those who gave all I've been trying to help any vet buy a house. I will not accept any commission or payment of any kind to do what I normally get paid very well for. In 6 years I can't find any vet who could use my help and expertise. I'm licensed in the state of New York and I'm told that what I'm trying to do might violate some rule or law. Probably to to protect against a predator.
I'll take that chance and cross that bridge if and when I come to it. Know any vet who could use my help. Google me
Alan Mike Kessler