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Arizona Military Relocation Professional – Veterans and VA Military Relocation Professional

Arizona Military Relocation Professional - Veterans and VA Military RelocationArizona Military Relocation Professional assisting Veterans and Active Military service members with Arizona housing, whether Buying or Selling, while taking full advantage of military benefits and support.

Received your PCS Orders to Relocate to Arizona or Out of State? I know how stressful a Military Relocation can be on the individual, as well as an entire family, and I want to help facilitate your move. As an Arizona Military Relocation Professional, I understand your needs and timetables and can make the transfer easier, faster and less stressful.

If you are Relocating to Arizona and will be taking advantage of your BAH, by living off base and purchasing a Home, have you received your DD-214? Please take a moment to fill out the following Military Relocation form, so I can best advise you on the next course of action to ensure a smooth transition:


Veterans and VA Home Loans

Did you Know:

  • All service members, having served the prescribed active duty time and have an honorable discharge, are eligible for VA financing, which includes the National Guard, Reservists, Veteran retirees, along with Active Duty service members.
  • Though you may have served your country, you must be ELIGIBLE for the program (time & character of service). All purchasers must qualify for their loan request, following the VA guidelines relative to income, asset and credit requirements.
  • Though you may have used your eligibility to purchase a home previously, VA benefits are updated continuously and these benefits may be used again, either due to use of “partial eligibility,” restoration of benefits, or reinstatement of benefits.
  • Though home purchase benefits at one time did expire or could only be used once, that has changed because VA is constantly upgrading this benefit AND WWII, Korean Conflict, and Vietnam veterans are still ELIGIBLE for 100% financing as long as they qualify.
  • This allows a purchaser to use this benefit to finance their home even with limited cash OR use 100% financing and keep their cash that may be used for down payment, providing them a greater degree of liquidity.
  • All VA buyers MUST ascertain they are ELIGIBLE to participate in the VA loan program, by virtue of their time spent on active duty AND their character of service, relative to the period of time they served our country.
  • All VA borrowers must “qualify” for the loan they are requesting according to the VA underwriting guideline.
    Being eligible is the first step in qualifying, however, each borrower must provide their lender with documentation that will verify their income and assets (money necessary to close).
  • In addition, the lender will run a current credit report, which will indicate their current debt load. Though VA does not credit score, lenders do and since all lenders that sell loans into the secondary market, they have to warrant that their loans meet or exceed the guidelines they were underwritten under.
  • VA loans are available to finance 1-4 family units. These loans have a maximum loan limit, currently set at $417,000, which does not change, like FHA & FNMA loans providing higher limits in order to finance a duplex, triplex or Quad unit.

Arizona Military Relocation Professional – Veterans and VA Military Relocation Professional

Get Prequalified for a Home Loan

Stearns Lending Get prequalified for a home loan in ArizonaServing, but not limited to, Scottsdale, Fountain Hills, Paradise Valley, Phoenix, Ahwatukee, Tempe, Gilbert, Chandler, Mesa, Apache Junction, Gold Canyon, Queen Creek and San Tan Valley.

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer Chioki Wade has the knowledge and expertise you need to explore the many financing options available.

 

Stearns is licensed and approved to conduct business in 49 states with HUD (United States Department of Housing and Urban Development). Additionally, Stearns is an approved Single Family Issuer for Ginnie Mae (Government National Mortgage Association); an approved Seller/Servicer for FNMA (Federal National Mortgage Association), also known as Fannie Mae; and, an approved Seller/Servicer for FHLMC (Federal Home Loan Mortgage Corporation), also known as Freddie Mac. Stearns is also approved for VA (United States Department of Veterans Affairs), USDA (United States Department of Agriculture), and is an approved lending institution with FHA (Federal Housing Administration).

 

Stearns merges the extensive experience and efficient services of a mortgage bank with the flexibility and product variety of a mortgage broker to create a more comprehensive way of lending.  Loan applications are handled on a regional basis, eliminating the need to ship your application across the country for underwriting, approval and document preparation.

Stearns Lending LLC, Sales Manager of Mortgage Lending, Chioki Wade, serving the Phoenix Metro Area including, but not limited to, Gilbert, Chandler, Mesa, Tempe, Ahwatukee, Phoenix, Scottsdale, Fountain Hills, and Paradise Valley.

Get Preapproved for an Arizona Home Loan

 Get prequalified for a home loan now.

Fill in the form below and we will get back to you as soon as possible.


All information provided is strictly confidential and will not be released to any other party by any means. By submitting this form with your telephone number to get prequalified you are consenting for HomeSmart, Stearns Lending LLC and all authorized representatives to contact you even if your name is on a Federal or State “Do not call List”.

Get Prequalified for a Home Loan – Get Preapproved for an Arizona Home Loan

Chioki Wade
Sales Manager of Mortgage Lending
Stearns Lending LLC
(480) 684-4031 Cell
(855) 766-0166 Fax
Email: cwade@stearns.com
Stearns Lending
8426 E Shea Blvd, Suite 2
Scottsdale, AZ 85260
NMLS# 554486
Branch NMLS# 1173483
Company NMLS#1854

Equal Housing Lender Stearns Lending LLC

Get Prequalified for a Home Loan – Get Preapproved for an Arizona Home Loan

Stearns Lending LLC, Sales Manager of Mortgage Lending, Chioki Wade, serving the Phoenix Metro area including, but not limited to, Gilbert, Chandler, Mesa, Tempe, Ahwatukee, Phoenix, Scottsdale, Fountain Hills, and Paradise Valley.