Stop Paying Your Landlord: Your VA Loan Game Plan (Before Pre-Approval)

Описание: #valoan #vahomeloan #vabenefits #vahousingeducation #FedFundsRate

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Thinking about leaving renting behind? In this video, we walk you through the real-world decisions before you even get pre-approved: long-term plan vs. starter home, budgeting that fits your lifestyle, PCS timing, closing costs, VA appraisal/Tidewater, and what 100% VA disability means for property taxes in some states.

Who this helps: Active-duty, Guard/Reserve, Veterans, and military spouses planning a first home—or turning a first purchase into a future rental.

What You’ll Learn

Plan first, pre-approval second: Starter home vs. “forever” home, PCS windows, reuse of VA entitlement, and stacking benefits.

Budget that won’t break your life: Payment you’re comfortable with vs. max approval; lifestyle trade-offs (travel, tuition, child-care).

Timing vs. rates: Why waiting for 2–3% rates can backfire as prices jump when rates drop.

Real closing costs (with $0 down): Earnest money, inspections, appraisal, moving costs—and when seller credits help.

VA appraisal, Tidewater & escape clause: What happens if value comes in low and how contracts can be canceled with EMD protection.

Short-term rentals & roommates: City/HOA rules that can block Airbnb or even roommates—check before you buy.

Disability & taxes (state-by-state): 100% ratings may reduce/waive property tax in some states—know your local rules.

► ► Get Pre-Approved With My Team → https://bit.ly/ApplyToday_VA
► ► Get Your Certificate of Eligibility → https://bit.ly/COEreview

🏦 FREE Loan Estimate REVIEW → https://bit.ly/EstimateReview

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DISCLAIMER: The content of VA Housing Education/VA Housing Education at Waterman Bank Channel is for educational purposes only. VA Housing Education Channel is provided under license by Waterman Bank. Waterman Bank will not extend credit of any kind without speaking to a Waterman Bank mortgage loan originator. The information on the VA Housing Education/VA Housing Education at Waterman Bank Channel should not directly be used to make decisions on home offers, purchasing decisions, is not guaranteed to provide specific results, imply lending terms, qualification amounts, or real estate advice. Any calculations should be verified independently. For real estate purchase advice consult licensed real estate, financial and legal professionals for advice. The views expressed on the VA Housing Education Channel and in all videos are those of the author or person presenting and do not represent those of Waterman Bank and are not intended to provide legal or compliance advice. The VA Housing Education/VA Housing Education at Waterman Bank Channel is not affiliated with or approved by the U.S. Department of Veterans Affairs (VA) or any other government agency. Contact Waterman Bank for your lending needs. Visit www.watermanbank.com or call 815-264-3201. Equal Housing Lender. NMLS #414704. Waterman Bank. Member FDIC.

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