How to qualify for a VA loan

/ Stacy Schnell

To be eligible for a VA Loan, veterans, active duty service members, National Guard members and reservists must meet the basic service requirements set forth by the Department of Veterans Affairs. Spouses of military members who died while on active duty or as a result of a service-connected disability may also be eligible.

It’s ultimately up to the VA to determine eligibility for the home loan program, but prospective borrowers can get a good idea by looking at the VA’s basic eligibility guidelines.

You may be eligible for a VA Home Loan if you meet one or more of the following conditions:

  • You have served 90 consecutive days of active service during wartime,OR
  • You have served 181 days of active service during peacetime,OR
  • You have more than 6 years of service in the National Guard or Reserves,OR
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.
How to Apply for a VA Loan Certificate of Eligibility (COE)

While you don’t need your VA Certificate of Eligibility in hand to start the loan process with Veterans United, this certificate is a very important part of your loan application. Your COE verifies that your length and character of service make you eligible to use the VA home loan benefit.

You can apply for a VA Loan Certificate of Eligibility three different ways:

  1. Apply through a VA approved lender
  2. Apply online through the VA’s eBenefits portal
  3. Apply by mail with VA Form 26-1880

This exerpt from veteransunited.com

 

Things To Do This Weekend

/ Stacy Schnell

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Gloucester County Craftsmen & Home Show

The Gloucester County Craftsmen & Home Show is coming to the Gloucester County 4-H Fairgrounds 275 Bridgeton Pike (Rte. 77) on May 5th, from 10am to 4pm. This 8th annual event is designed for everything inside and outside the home. As a visitor, you and your family will be able to stroll leisurely through aisles and aisle of handmade crafts from over 100 craftsmen, enjoy home style cooking, live music, kids’ free craft making, pony rides, spring flower sale and picnic style dining. Craftsmen have been working all winter to create amazing art just in time for spring.
Home Show companies representing hundreds of products and services will be on hand to help you with all your spring home improvements projects. Remodeling, floors, windows, doors, sunrooms, decking, guttering, landscaping, gardening, solar energy and more. You will be able to shop, talk to experts and compare prices- all in one easy location at this one-of- a- kind marketplace. Visitors to the event can enter to win a $500 Home Depot Gift Card and other home remodeling products. Drawing on the main stage at 3:00pm.
The Little Miss & Mister Springtime Pageant for girls/boys 4-8 years old will be held at 2pm on the main stage. One queen & king and Queen’s court will be chosen from the top ten contestants. This is a pet friendly event and families can enter the All Breed Dog Parade & Show at 12:00pm. Entry fee is a can of donated pet food for animal shelters. All dogs get a goody bag and ribbon for participating. Top twelve dogs will be chosen from the smallest to the tallest.
Bring the kids out for a Spring Painted Rock Hunt at 10:30am to 11:00am. Over 30 painted spring rocks will be hidden around the fairgrounds. Finders keep the rock and receive a free prize at the gazebo. Meet at the gazebo at 10:30 for the first annual rock hunt.
This event offers free parking and admission free. Artists, Craftsmen, Food, Home Show vendors are being sought and can contact Kathy Wright for show details at (856) 765-0118.
Visit the event website at http://www.gloucestercraftfair.com for vendor contracts, driving directions, pageant entry form and general show information. Rain date is Sunday, May 6th, 10-4pm.
Free admission with pet food donation or $1.00 at the Gazebo

 

Desirable horse farm… build here!

/ Stacy Schnell

Calling all horse lovers….build your dream home here!  Located in East Vineland, New Jersey, this farm boasts 12.43 +/- acres and could be a perfect horse farm!  Three road frontages, level topography.  60 x 90 pole barn with riding rink and a 36 x 60 horse barn with nine 10 x 12 stalls. Convenient access to Route 55, 47, 552 and 49. Call today and ask about property # 73. Stacy Direct 856-364-0772.

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Pending Home Sales Reverse Course in February, Rise 3.1 Percent

/ Stacy Schnell

WASHINGTON (March 28, 2018) — Pending home sales snapped back in much of the country in February, but weakening affordability and not enough inventory on the market restricted overall activity compared to a year ago, according to the National Association of Realtors®.

The Pending Home Sales Index,* www.nar.realtor/pending-home-sales, a forward-looking indicator based on contract signings, grew 3.1 percent to 107.5 in February from a downwardly revised 104.3 in January. Even with last month’s increase in activity, the index is 4.1 percent below a year ago.

This exerpt from The National Association of Realtors. Click HERE to read more.

Check out this totally remodeled, open concept rancher…

/ Stacy Schnell

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Located in Woodbine, NJ this home features a brand new kitchen with granite counter-tops, stainless steal appliances, coffee bar, and center kitchen island. Ceramic floors through-out kitchen and all baths. Living room contains all new bamboo flooring which leads to the mud room in the front of the house. Down the hall you have a spacious laundry room, 3 generous sized bedrooms, and a roomy master with 2 walk in closets and on en-suite! This home comes completely furnished, and is totally move in-ready! Call today and ask about property # 63. Make your appointment today!!

Stacy Schnell  Cell: 856-364-0772

This listed presented by The Scott Sheppard Team

4 Ways to Prepare for a Competitive Spring Home-Buying Season

/ Stacy Schnell

Suburban Spring

(TNS)—With housing inventory far lower than demand and mortgage rates poised to rise, it’s going to be a competitive market for homebuyers this spring.

If you’re looking to buy a home this season, here’s how to prepare yourself to enter the fray. 

Get your financial house in order.
Unless you plan on paying for the house in cash, you’ll need to apply for a mortgage. No matter how streamlined the process is, you’ll still need to gather a significant amount of documentation to give an accurate financial picture to the lender.

Thisexcerpt from RIS Media. Please CLICK HERE to read more.

Well maintained two story home on a private wooded lot

/ Stacy Schnell

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Located in Millville,  NJ this home features an eat-in kitchen with stainless steel appliances and double sink open to Family room. Family room has gas fireplace and skylights for extra lighting. Tiled foyer, separate dining room and formal living room. Spacious bedrooms, bathrooms have tile flooring and surround, partial basement. New roof, two car attached garage with auto door opener, rear concrete patio, large fenced-in backyard. Holly Height Elementary School, easily accesible to Routes 49 and 55.

Call today and ask about property #72 Stacy Schnell~ Cell: 856-364-0772

This listing presented by The Scott Sheppard Team.

6 Things You Must Do Before Buying a Home

/ Stacy Schnell

(TNS)—Buying a home is a huge investment—probably the most significant purchase of your life. It’s not something you should do without preparation.

Before you start on the road to homeownership, make sure you are ready.

Improve your credit score.
A high credit score snags you the best deals. “Below 660 or 680, you’re either going to have to pay sizable fees or a higher down payment,” says Barry Zigas, director of Housing Policy for the Consumer Federation of America.

This excerpt from RIS Media, please CLICK HERE to read more.