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For most military borrowers, the VA loan is the strongest and most cost-effective mortgage program on the market.
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These government-backed loans come with significant financial benefits for qualified borrowers, including cash-free purchases and out-of-pocket costs.
But there are certainly times when a VA loan is not the best answer, and a conventional loan may be a better option. Here we break down the differences between VA loans and conventional loans and when one option may be more favorable than the other.
Comparing a VA to a conventional mortgage? Talk to a home loan expert to get a full comparison for your unique home buying journey
VA loans typically have lower interest rates than conventional loans and require no down payment. They also come without mortgage insurance costs, which limit your purchasing power
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Conventional loans do not contain any government guarantee, and government-sponsored enterprises do not comply with the standards and requirements of Fannie Mae and Freddie Mac.
Credit criteria may vary by lender and loan type A FICO score of 620 is a common benchmark for conventional loans, although you may need a higher score to compete for the best rates and terms.
Most VA borrowers do not require a down payment to secure financing If a VA borrower does require a down payment, it is usually due to reduced VA loan eligibility.
In contrast, conventional loans require a down payment of at least 5 percent (in some cases it can be as high as 3 percent). According to the FED, the median sales price of homes sold in Q1 of 2022 was $507,800. Conventional borrowers with 5 percent down must come up with more than $25,000 to cover their down payment.
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Conventional loans with less than 20 percent down require home mortgage insurance (PMI). PMI can easily run $150 to $200 per month depending on home value, credit score and other factors.
PMI protects the lender if you default on your loan and typically defaults once you reach 80 percent loan-to-value (equivalent to a 20 percent down payment).
With this in mind, PMI dropped 20 percent on the previous example of $507,800 to avoid paying.
RatesVA loan rates are the lowest in the market In 2022, VA loan rates will average .31 percent lower, according to mortgage data and analytics company Optimal Blue.
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A .31 percent difference in rate may sound small but it can equal tens or hundreds of thousands in interest savings over the life of the mortgage.
VA loans are backed by the Department of Veterans Affairs, which gives lenders the confidence to offer more favorable rates to borrowers who don’t have perfect credit.
The Department of Veterans Affairs (VA) does not set a minimum credit score on VA loans, but many lenders do. As with conventional loans, lenders generally like to see a mortgage credit score of 620 or better.
A significant difference between VA and conventional loans is that VA loans are only for primary residences. The primary residence requirement does not exclude a duplex or fourplex, but to use a VA loan, you intend to live in the property you are purchasing.
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VA loans have what is known as a VA financing fee VA financing fees range from 1.4 to 3.6 percent and apply to every VA purchase and refinance loan. For a true $0 down loan, the VA financing fee is rolled over to the entire loan amount.
The last important difference is who can use each type of loan VA loans are available to veterans, active military and surviving spouses with a valid Certificate of Incorporation (COE). Those who do not meet the basic service requirements cannot get a VA loan
Conventional loans have no special loan requirements Individuals with credit and finances can qualify for conventional loans
When comparing VA to conventional loans, it is best to speak with a home loan specialist to compare your options. Veterans with significant cash savings may also qualify for VA loans based on PMI rates and deficits. However, this is not always the case
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Chris Birk is the author of “The Home Loan Book: The Essential Guide to Maximizing Your Home Loan Profits”.
A former award-winning journalist, Chris writes about mortgages and real estate for numerous sites and publications His analysis and articles have appeared in The New York Times, Wall Street Journal, USA Today, ABC News, CBS News, Military. com, etc.
Availability of all rates will depend on a person’s credit score and details of the loan transaction First time home buyers may not qualify for Jumbo products The rates of -interest rates stated here are subject to change at any time and are not guaranteed until locked in by your loan officer.
All rates assume primary family residence, manufactured home, credit score of 720, applicable fees and charges (including VA funds payments), including 181 days of regular (non-reserve) military service of ‘ eligible active duty. Disability or prior use of a VA loan
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Current advertised rates: 5.875% (6.518% APR) with 0.875 discount points over a 30-day lock-in period and 5.875% (6.281% APR) with 1.125 discount points over a lock-in period in of 30 days for a 15-year fixed loan. For a 30-year VA fixed loan This loan rate assumes no down payment and a loan amount of $250,000.
Current Advertised Rate: 6.625% (6.981% APR) for 15-year Streamline (IRRRL) with 0.750 discount points over a 60-day lock-in period and 7.125% (7.287% APR) with 0.125 points of a discount on a lock-in period of 60 days. Duration for 30-year stream line (IRRRL). This refinance loan rate assumes the property is owner occupied
Current advertised rate: 6.625% (7.262% APR) for a 15-year VA cash-out refinance with 0.750 discount points over a 60-day lock-in period and 0.125 discount points over 60 days . 30-year lock-in period for a VA cash-out refinance This refinance loan rate assumes a loan-to-value ratio of less than 90%.
Current advertised rates: 6.875% (7.234% APR) for 30-year Fixed VA Jumbo with 0.375 discount points over a 45-day lock-in period, 7.125% (7.349% APR) with 0.750 discount points on a 60-day lock-in period. 30-year stream line (IRRRL) jumbo with a 60-day lock-in period for a 30-year VA cash jumbo, plus 7.125% (7.526% APR) and 0.750 discount points. This loan rate also assumes a loan amount higher than the current loan limit Although the corresponding loan
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