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Va loans in Redding CAVA loans are mortgage loans made by an approved lender, such as Chris Lamm: Redding Mortgage Lender, and guaranteed by the Department of Veterans Affairs. They are made available to eligible veterans, those currently serving in the military, and, in some case, their spouses. Redding VA loans make housing affordable for those who may not have been able to purchase houses otherwise.

What is a VA Loan?

A VA loan differs somewhat from a standard mortgage. Even though it is provided through a private lender, the federal government guarantees a portion of the principal. That means that the Department of Veterans Affairs backs the loan, so if the borrower defaults on it, the lender is protected. Borrowers who are eligible for a VA loan are permitted to have a small, or sometimes nonexistent, down payment and still get a mortgage. This is the biggest advantage of a VA loan. Be sure to ask Chris Lamm what the down payment requirements are when requesting a VA loan.

Eligibility Requirements

Some of the requirements for a VA loan are standard, as with any loan: good credit, enough funds for payments, etc. Another is that you must be eligible though your affiliation with the military. To see a full list of eligibility requirements, visit the Department of Veterans Affairs website. This site also answers many specific questions about the program.

When requesting a VA loan, you need a certificate of eligibility to show the lender. You can get this certificate through the Department of Veterans Affairs. Upon providing it to the lender, he can then help you navigate the process of applying.

Chris Lamm: Redding Mortgage Lender is prepared to help servicemembers, veterans, and eligible surviving spouses get VA loans in Redding. Contact him today to find out how you too can buy a home!

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Chris Lamm

Contact Chris LammYour local Redding mortgage professional
970 Executive Way
Redding, CA 96002
Phone: 530-282-1166
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