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Few are aware of the best-kept secret of buying foreclosure homes: It is possible to purchase a foreclosure home with no money down. Even real estate agents don't often understand how to get their buyers into a foreclosure with zero money down. Let me share some helpful tips and information.
#1 little known fact about VA foreclosure homes -- You don't need to be a veteran to buy a VA foreclosure home or have the VA guarantee the financing on the foreclosure home.
#2 little known fact about VA foreclosure homes -- You can buy a foreclosure home from the VA and receive a free charitable contribution from the Ameridream Foundation for your payment regardless of your financial status.
Understanding VA Foreclosures
Homes designated as VA foreclosures, also known as Veterans Administration Foreclosures, were last purchased with a VA home loan. This means the previous buyer was a veteran of the U.S. military and the loan was guaranteed by the federal government. By guaranteeing the home loan, the Department of Veterans Affairs agreed to repay the mortgage lender in the event of foreclosure. This situation benefits the lender greatly as their investment in the home is 100 percent guaranteed. The government protects itself by charging each buyer of a VA mortgage a funding fee. The funding fee enables VA to allow a veteran to purchase a home with no money down. By purchasing a VA foreclosure home from the list of VA foreclosures on www.USHUD.com , you can proceed with the loan just as though you are a veteran and purchase many of these foreclosure homes with no money down and no mortgage insurance.
Term Offer vs. Cash Offer
A VA foreclosure home provides for two seperate ways to write an offer, the term offer and the cash offer. When writing a term offer for a VA foreclosure home, the homebuyer is asking the VA to hold financing on the foreclosure home. This provides an opportunity to buy with no money down. However, there asre still closing costs to contend with. Closing costs can run anywhere from one to six percent of the purchase price of the home.
When writing a cash offer for a VA foreclosure home, the homebuyer is not actually offering to pay cash, but is rather not requesting that the VA hold the financing on the foreclosure home. The VA is even more flexible with pricing and closing costs with a cash offer as they will not be responsible for the mortgage. Write the cash offer and ask for the maximum contribution required toward closing costs (consult with a local real estate agent experienced with VA foreclosures). As soon as the contract is accepted, contact the Ameridream Foundation. The Ameridream Foundation will give you the closing costs as a free contribution. Learn more about the Ameridream Foundation at www.ameridream.org and buy your VA foreclosure with no money down.
For more information, visit www.ushud.com , America's only free foreclosure resource.
Michael Urbanski is the chief executive officer of Heavy Hammer, Inc., and USHUD.com. Headquartered in Annapolis, Michael oversees the online networking and consulting company advocating for American homebuyers, connecting them with trusted experts and valuable resources. Driving one of the most widely used suites of foreclosure Websites, Heavy Hammer delivers all-inclusive, free lists of foreclosure properties to more than 500,000 homebuyers monthly. In business since 1998, Heavy Hammer has focused on geographically-based ad serving technology and processes allowing thousands of professionals to target specific locations, connecting directly with consumers in specific locations. Starting with USHUD.com, this group of sites now includes more than 30 state- and region-specific sites.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.