James Mentor

Can you get a VA loan if you’re self-employed?

A VA loan is a type of mortgage available through the United States Department of Veterans Affairs, and is aimed at assisting active military service members, veterans, and surviving spouses to purchase homes. But landing a VA loan as a self-employed person can pose some unique challenges—most often in the form of added scrutiny from …

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types of mortgages

Fixed vs adjustable rate mortgages: the pros and cons

When applying for a mortgage, you’ll inevitably be faced with choosing between fixed-rate mortgages and adjustable-rate mortgages (ARMs). This may seem simple enough, but still it’s a choice worth thinking about. While the marketplace offers a variety of options within these two categories, the first step is deciding which primary loan type best suits your …

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What are your options as a first time home buyer in Virginia?

When purchasing your first home, landing a mortgage is a necessary stepping stone to greater things. The wide variety of financing options available to first-time homebuyers, however, can be incredibly overwhelming. The good news is that a little digging on the basics of property financing can save you time and money and ensure you choose …

What are your options as a first time home buyer in Virginia? Read More »

Pre approvals

Will you qualify for a mortgage? 4 factors that influence the loan approval process

Will you qualify for a mortgage? If you’re on the market for a home, this is a question worth asking and answering. Whether your lender comes in the form of a bank, a credit union, or another financial institution, you’ll typically be asked to meet several basic qualifying criteria before your loan is approved.    …

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