Phone:  407-377-0500 x 217  |   Fax:  407-264-8870   |   E-Mail:  Info@KrisHolmes.com    |  Licensed Mortgage Loan Originator NMLS #349584
 

Kris Holmes
 Licensed Mortgage Loan Originator NMLS #349584
Info@KrisHolmes.com
 
 
 

Kris Holmes - Loan Officer
Serving All Of Central Florida Since 1996

Owning Your Own Home Can Be More Than A Dream!
 

VA Loans
 

  • No Down Requirement for Veterans of the United States Military who are Eligible.

  • Flexible Credit Criteria on VA Financing.

  • Seller Can Contribute More Towards Closing Costs than Traditional Financing.

  • Faster Approvals on VA Loans than Ever Before!

  • Great Rate & Term Refinancing Program for Veteran Borrowers!
 

Who is Eligible for a VA Loan?
 
All information published here is correct as of January 25, 2008. Please consult with your local VA office with any questions on eligibility, or visit the VA Home Loan Eligibility site at: www.homeloans.va.gov/eligibility.htm
 

Wartime Veterans:

All Wartime/Conflict Veterans who were not dishonorably discharged, and who served at least 90 days:

  • World War II - September 16, 1940 to July 25, 1947

  • Korean Conflict - June 27, 1950 to January 31, 1955

  • Vietnam Era - August 5, 1964 to May 7, 1975

  • Persian Gulf War - Check with VA regional office for specific eligibility.

Note: Please check www.homeloans.va.gov/eligibility.htm for information on eligibility for those currently serving or who have served in the war with Iran.
 

Peacetime Veterans:
 

Service of at least 181 days of continuous active duty with no dishonorable discharge. If you were discharged earlier due to a service-connected disability, you should speak with the regional VA office to verify eligibility.

  • July 26, 1947 to June 26, 1950

  • February 1, 1955 to August 4, 1964 or

  • May 8, 1975 to September 7, 1980 (enlisted) or to October 16, 1981 (officer)
Enlisted veterans whose service began after September 7, 1980, or officers whose service began after October 16, 1981, must normally have served at least two years.
 

Reserves and National Guard:

  • Members who have completed six years of service and have been honorably discharged (or are still serving) may be eligible for a VA loan. Contact your regional VA office for more details.

Other types of service that may make you eligible for a VA loan:

  • Certain US citizens who served in the armed forces of a government allied with the United States during World War II.

  • Surviving spouses of eligible persons who died as the result of service or service-connected injuries. The surviving spouse must not have remarried.

  • The spouse of any member of the Armed Forces serving on active duty who has been listed as a prisoner of war or missing in action for more than 90 days.
Anyone with questions about eligibility should speak with their regional VA office.
 

For More Info:

Veterans seeking more detailed information concerning the VA home loan program may request:

VA Pamphlet 26-4, VA-Guaranteed Home Loans for Veterans, or

VA Pamphlet 26-6, To the Home-Buying Veteran

from the nearest VA office. Loan Guaranty personnel at that office will also be pleased to answer specific questions and provide any other assistance they can.

You can also access the VA Home Loans web site at www.homeloans.va.gov.
 
Kris Holmes, Loan Officer - Licensed Mortgage Loan Originator NMLS #349584
Cutting Edge Technology with Old Fashioned Service
Phone: 407-377-0500 ext 217      Fax: 407-264-8870
E-Mail:  Info@KrisHolmes.com
   

 
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