{"id":605,"date":"2015-05-27T17:19:50","date_gmt":"2015-05-27T17:19:50","guid":{"rendered":"http:\/\/teammovemortgage.com\/2014\/05\/27\/va-loans-what-you-need-to-know\/"},"modified":"2020-07-13T22:34:48","modified_gmt":"2020-07-13T22:34:48","slug":"coastal-nc-va-loans","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/coastal-nc-va-loans\/","title":{"rendered":"Coastal NC VA Loans &#8211; Coastal Living with Benefits of VA &#038; VA Jumbo Financing"},"content":{"rendered":"<h2><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-1344 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2015\/06\/va-loans-title-with-family-300x200.jpg\" alt=\"Coastal NC VA loans for veterans and military in Jacksonville, Hampstead, and Wilmington\" width=\"300\" height=\"200\" \/>Coastal NC VA Loans\u00a0&#8211; Jacksonville, Hampstead, &amp; Wilmington<\/h2>\n<p>Living at the beach, on the waterway, or in coastal neighborhoods is a reality with a VA home loan.\u00a0 Many of our VA home mortgages are concentrated in wonderful coastal\u00a0areas.\u00a0\u00a0First\u00a0of all,\u00a0<strong>Jacksonville, NC<\/strong>\u00a0is home to the <strong>Camp Lejeune Marine Base<\/strong> and the <strong>New River Air Station.\u00a0 Then, historic <\/strong><strong>Wilmington, NC<\/strong> is consistently\u00a0a high ranking\u00a0place to live in the US.\u00a0\u00a0<strong>Hampstead, NC<\/strong> &#8211; is a coastal town conveniently located between <strong>Jacksonville<\/strong> and <strong>Wilmington<\/strong>.\u00a0 Coastal NC VA loans are available to current military or qualifying veterans of the US Military.\u00a0\u00a0VA offers so many advantages to financing that dream coastal location.\u00a0 So we want to share some key features of a VA loan today.<\/p>\n<h2>Prequalify to Buy a Home with Coastal NC VA Loans or VA Jumbo<\/h2>\n<p>First of all, prospective buyers should <span style=\"text-decoration: underline;\"><strong>apply for mortgage approval<\/strong> <\/span>prior to looking at houses.\u00a0 Realtors and sellers only want qualified buyers.\u00a0\u00a0After application and credit review, our team will request your <a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/23\/va-certificate-of-eligibility\/\"><span style=\"text-decoration: underline;\"><strong>Certificate of Eligibility<\/strong> <\/span><\/a>and work on your prequalification.\u00a0 Once you are pre-approved for a VA mortgage, you can then view homes with confidence.\u00a0 Trust us, it is much better\u00a0to qualify\u00a0and have a comfortable price range that matches your budget up-front.<\/p>\n<h2>Paying Discount Points and Origination Fees on VA Mortgages<\/h2>\n<p>Often Veterans\u00a0pay an origination fee and\/or discount fee\u00a0when purchasing or refinancing with a VA mortgage.\u00a0 Although,\u00a0it is typically\u00a0not a good idea to pay\u00a0extra\u00a0fees.\u00a0 This is especially true\u00a0if the borrower expects to have the mortgage for 5 years or less.\u00a0 If a Veteran expects to sell their home within 5 years because of a relocation or a move up, one shouldn&#8217;t pay extra points that gives benefits further down the road.\u00a0\u00a0Everyone&#8217;s scenario is different though and points are not always bad.\u00a0 Veterans, along with all borrowers, deserve a mortgage that fits their needs and that is what we offer.<\/p>\n<h2>Seller paid closing costs &amp; concessions\u00a0for VA mortgage:<\/h2>\n<p>VA loans are very flexible when it comes to financing costs and concessions.\u00a0 Maximum seller paid \u201cconcessions\u201d\u00a0for a buyer is 4% of the sales price. \u00a0Sales concessions allow the seller to pay the buyer\u2019s pre-paids (such as escrows and first year of insurances), funding fee,\u00a0or even paying off buyer\u2019s debts.\u00a0 On top of that, VA allows for ALL \u201ccustomary closing costs\u201d to be paid by the buyer.\u00a0 So between the two, usually they will cover all costs at closing.\u00a0 Learn more about the huge <a href=\"http:\/\/teammovemortgage.com\/blog\/2016\/06\/11\/seller-concessions-va-loans\/\"><span style=\"text-decoration: underline;\"><strong>Advantages of VA Seller Concessions<\/strong><\/span><\/a>.\u00a0 We highly recommend\u00a0the Veteran, buyer&#8217;s agent, and our team to coordinate in this area.\u00a0\u00a0When discussed prior to final contract, the Veteran can maximize their VA mortgage to their benefit.<\/p>\n<h2>VA Jumbo Loans Provide Financing over $424,100!<\/h2>\n<p>Often in areas near Camp Lejeune, there are\u00a0officers or Veterans\u00a0looking to live at the beach but near the base.\u00a0\u00a0So with a VA jumbo loan, a buyer could purchase a beach home in <strong>Topsail Beach, Surf City, Wrightsville Beach, Emerald Isle<\/strong>, or a number of other local beaches.\u00a0 In addition, use a VA jumbo loan\u00a0to buy in luxury neighborhoods in Wilmington, Hampstead, or Jacksonville.\u00a0 The down payment percentage is much lower than other jumbo loans.\u00a0 Plus VA jumbo loans go up to $1,000,000!\u00a0 Using a coastal NC VA loan over $424,100 offers so many advantages for high end buyers.\u00a0 Learn more about <a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/06\/20\/va-jumbo-loans-nc-sc\/\"><span style=\"text-decoration: underline;\"><strong>VA Jumbo Loans<\/strong><\/span><\/a> and talk to us about how it can work for you.<\/p>\n<h2>VA Funding Fee<\/h2>\n<p>VA loans require a\u00a0funding or guarantee fee.\u00a0\u00a0Though, the funding may be\u00a0financed on top of the base loan amount.\u00a0 But you could be exempt from this fee if you are considered 10% disabled by VA.\u00a0 VA loans have the benefit of having no annual\u00a0PMI which keeps the monthly payment low.\u00a0 Other loans offering less than 20% have some sort of PMI, so VA wins in this comparison.\u00a0\u00a0Contact us\u00a0to learn your\u00a0<a href=\"http:\/\/teammovemortgage.com\/va-funding-fee-tables\/\"><span style=\"text-decoration: underline;\"><strong>VA\u00a0Funding Fee\u00a0<\/strong><\/span><\/a>or\u00a0maybe you are exempt!\u00a0 We love helping our military close with Coastal NC VA Loans.<\/p>\n<h2>Two VA Loans at Once with VA Bonus Entitlement<\/h2>\n<p>Did you think that once you have a VA loan, that it is the only one you could have?\u00a0 VA allows for qualifying Veterans and service members to use VA on a purchase while having another VA loan already.\u00a0 This is called accessing your <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/23\/you-can-get-a-2nd-va-mortgage-loan-while-you-have-another-va-mortgage-loan-with-bonus-or-2nd-tier-entitlement\/\"><strong>Bonus Entitlement<\/strong><\/a> <\/span>or also known as <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/23\/you-can-get-a-2nd-va-mortgage-loan-while-you-have-another-va-mortgage-loan-with-bonus-or-2nd-tier-entitlement\/\"><strong>2nd Tier Entitlement<\/strong><\/a><\/span>.\u00a0 There is a minimum loan amount requirement though.\u00a0 If using bonus entitlement,\u00a0the loan amount must be\u00a0$144,000 or higher.\u00a0 See how this works for coastal NC VA loans and call us!<\/p>\n<h3><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Coastal NC VA Loans\u00a0&#8211; Jacksonville, Hampstead, &amp; Wilmington Living at the beach, on the waterway, or in coastal neighborhoods is a reality with a VA home loan.\u00a0 Many of our VA home mortgages are concentrated in wonderful coastal\u00a0areas.\u00a0\u00a0First\u00a0of all,\u00a0Jacksonville, NC\u00a0is home to the Camp Lejeune Marine Base and the New River Air Station.\u00a0 Then, historic [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1344,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33,88,60,17,48],"tags":[9,313,10,314,12,13,315,16,310,18,311,20,47,49,316,21],"class_list":["post-605","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-frequently-asked-questions","category-general-info","category-local-resources-best-places-to-live-in-nc-and-sc-including-subdivisions-schools-things-to-do","category-products","category-va-loans","tag-first-time-buyers","tag-hampstead-nc-va-loans","tag-homebuyers","tag-jacksonville-nc-va-loans","tag-lumberton-board-of-realtors","tag-mortgage-faqs","tag-no-down-payment","tag-north-carolina","tag-pinehurst-southern-pines-association-of-realtors","tag-realtors","tag-sanford-area-association-of-realtors","tag-team-move","tag-va-home-loans","tag-va-requirements","tag-wilmington-nc-va-loans","tag-wrar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Coastal NC VA Loans - Camp Lejeune Offers Military Coastal Living<\/title>\n<meta name=\"description\" content=\"Coastal NC VA Loans allow military based in Camp Lejeune or Veterans to purchase homes with no money down in Wilmington, Hampstead, &amp; 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