VA Loans:

               *  Available to Veterans and Reservists

               *  Owner occupied Purchase and Refinance

               *  100% Financing!

               *  A VA Funding Fee of 0 - 3.30% of the loan amount is
                  charged on every deal.  This Fee can be paid in cash 
                  at closing but is most often financed on top of the loan
                  amount.  Disabled vets do not pay a funding fee.

               *  A VA loan is a qualifying loan.  A VA appraisal to substantiate
                  purchase price will be ordered.  With good credit the back ratio 
                  (mortgage payment + monthly debt divided by gross income)
                  should be a maximum of 45%.   

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