VA Loan
A VA loan is perhaps the most powerful and flexible lending option on the market today. Rather than issue loans, the VA instead pledges to repay about a quarter of every loan it guarantees in the unlikely event the borrower defaults. That guarantee gives VA-approved lenders greater protection when lending to military borrowers and often leads to highly competitive rates and terms for qualified veterans.
Benefits of VA Loans
Far and away, the most significant benefit of a VA loan is the borrower's ability to purchase with no money down. Apart from the government's UDSA's Rural Development home loan and Fannie Mae's Home Path, it's all but impossible to find a lending option today that provides borrowers with 100 percent financing.VA loans also come with less stringent underwriting standards and requirements than conventional loans. In fact, about 80 percent of VA borrowers could not have qualified for a conventional loan. These loans also come with no private mortgage insurance (PMI), a monthly expense that conventional borrowers are required to pay unless they put down at least 20 percent of the loan amount.
VA loans offer a few other bells and whistles:
Competitive interest rates that are routinely lower than conventional rates
No prepayment penalties
Higher allowable debt-to-income ratios than for many other loans
Streamlined refinancing loans that require no additional underwriting
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"Behzad is just awesome! I have known Behzad for aprox 10 years now, he recently helped us with our purchase of our first multi-unit investment property. Behzad was not only patient with us throughout our search for the right property but also went the extra mile to make sure our goals are met. Furthermore He has helped us from our first home mortgage through multiple refinances. I have trusted Behzad’s judgment on the market and rates and he has been very insightful in discussing the many options/offerings. It has been a pleasure working with him."
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"Behzad Zandinejad is an incredible mortgage broker and Realtor! He recently represented the buyer of my 8 unit listing in Santa Rosa, CA and was able to broker the 70% LTV purchase loan and bring this transaction to a successful closing in only 45 days. This was record time for a loan which normally would have taken at least 60 days or more! Behzad was professional, thorough, persistent and attentive to detail and follow-up throughout the entire transaction. I have known and worked with many Realtors and lenders during my 20+ year real estate career, but I can say without a doubt that he is among the absolute best in his business! I would definitely recommend him to anyone looking for commercial or residential portfolio financing."
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"We have been working with Behzad on our financing needs for several years and I can only say that the experience has been fantastic. I highly recommend Behzad for both Real Estate and financing, you will be amazed with the service"
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"I have worked with Behzad for over 15 years. He has helped me with numerous mortgage refinancing and new mortgage applications - working tirelessly to get the best possible rates. His level of service is top quality. He handles the entire process smoothly and requires very minimal effort on my part. I highly recommend Behzad."
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"The level of service received from Behzad is absolutely superb. He is very thorough and dedicates his time to ensure the loan process is completed on time with the best available market rate. We are absolutely happy with the level of service and personal attention received for our home purchase."
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