If you have an IRA, we may be able to assist you in rolling over the funds to a self directed IRA where you can use IRA to fund an investment, such as: buy a rental home, buy a franchise or buy an existing business. 

This is not a loan!  It is simply using the retirement funds you already have access to.  You can do this WITHOUT taking a tax penalty.

Call us for more information!

There have been numerous changes in the mortgage industry over the last several years. So many changes that even if you worked in the industry would make your head spin. The majority of the changes were definitely needed to help stabilize the industry. You know the changes like we would like to make sure you really do have a job... You know, some changes that kind of make sense.

After the dust has settled somewhat, it seems that I often hear a common misconception and that is the statement "I need a 20% downpayment to buy a home." NO! NO! NO! This is simply not true. There are actually still loans that allow you to buy a home with no downpayment and if your Realtor can help you negotiate the closing costs, you may be able to go to closing with no money at all.

If you want to talk about how you can buy a home with no money out of pocket, don't hesitate to call us at 540-444-5626. There are only a few really good reasons why anyone would rent when rates are so low and there are so many great homes for sale. It's time to get in to a home or maybe time to move to a little bigger home.

I know your first thought is... "You just mean no money out of pocket but you will put closing costs back into the loan." 

Nope... I mean - No Closing Costs! 

If your current loan balance is over $150,000 and your current rate is over 5.75%... there is a good possibility that we could refinance your loan to a lower rate and we pick up the tab of your closing costs. 

To see if you qualify for a No Closing Costs Refinance, call VTM today!