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my house is on an fha loan now. how can i get into a va mortgage?

by jsalvatore89274976 from Somerville, New Jersey. Dec 2nd 2014 Reply


Carlos Figueira (carlosfigueira)
#107 ranked lender in New Jersey - 199 contributions

You need to refinance from the FHA into VA which would be great as there is no Mortgage Insurance on a VA loan. Rates are also VERY LOW :) I'm a local mortgage company in Summit, NJ [please e-mail or call me if you would like to review your options and benefits of refinancing. Carlos@keypointmtg.com or 908-516-2190 Ext. 301

Dec 2nd 2014
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Paul Sheridan (paul@njlendingsource.com)
#20 ranked lender in New Jersey - 17 contributions

Just apply. We are a VA lender. Getting approved takes about 5min and is free. Call me direct @ 732-359-6002

Dec 2nd 2014
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Paul Sheridan (paul@njlendingsource.com)
#20 ranked lender in New Jersey - 17 contributions

I can get you approved for a VA Loan. We are an approved VA lender for NJ. Getting approved is free and takes about 5min. Call me direct @ 732-359-6002

Dec 2nd 2014
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Phil Dumouchel (PhilDu)
#32 ranked lender in South Carolina - 2,249 contributions

You have to refinance your mortgage; the costs are about the same to refinance as to purchase so I usually suggest a slightly higher rate with a lot less in fees.

Dec 2nd 2014
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Joe Metzler (JoeMetzler)
#17 ranked lender in Minnesota - 4,843 contributions

Refinancing from an FHA loan to a VA is easy... Assuming you have VA benefits, just apply with a local mortgage broker in your area... They will review your application, and see if you qualify. For VA loans in MN, WI, and SD, visit www.VA-IRRRL-Loan-mn.com

Dec 2nd 2014
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i actually do not have va benefits but my husband does. i am the only one on the mortgage currently. can we refinance in his name maybe?

Dec 2nd 2014
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Paul Sheridan (paul@njlendingsource.com)
#20 ranked lender in New Jersey - 17 contributions

If he is the Veteran he must be on the mortgage. You can be a co-applicant.

Dec 2nd 2014
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Carlos Figueira (carlosfigueira)
#107 ranked lender in New Jersey - 199 contributions

As long as your husband is on the mortgage as the primary borrower you will be fine but you can't get a VA loan unless the veteran is on loan with you or you are a surviving spouse.

Dec 2nd 2014
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Phil Dumouchel (PhilDu)
#32 ranked lender in South Carolina - 2,249 contributions

Yes, you can refinance in just his name, or you can both be on the new mortgage. Anyone on the mortgage must of course meet qualification requirements for credit, debt ratio's, etc. If by chance you are having trouble making the payments and the loan is delinquent, it may be more difficult. Good luck!

Dec 2nd 2014
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Joe Metzler (JoeMetzler)
#17 ranked lender in Minnesota - 4,843 contributions

Assuming he qualifies, yes, you can refinance in just his name. There are special rules. If you can stay on the new loan, it is even easier.

Dec 2nd 2014
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Bert Carpenter (BertCarpenter)
#38 ranked lender in Arizona - 2,431 contributions

VA loans are only available to Veterans with VA loan eligibility or to widows/widowers of a deceased Veteran with VA loan eligibility. If your husband has VA loan eligibility then a refinance of the existing loan, while adding your husband to the loan and the title will allow you to obtain a VA loan. Work with a local Mortgage Banker or Broker for the best results. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in Arizona (AZLO0911876 / AZBK0902429), Washington (WALO40586 / WACL3087) and California (CADOC40586 / CAFLL6036566). We are licensed by the CA-DBO under the CFLL and CRMLA. Loans made or arranged pursuant to CFLL or CRMLA license. ~ www.LoansA2z.com ~ 888-889-9950

Dec 2nd 2014
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Jericho Cherry (Jerichocherry)
#54 ranked lender in Virginia - 1,107 contributions

Yes you can refinance from a FHA to VA Loan in your husband's name if he is a veteran and meet all the qualifications for a VA Loan.

Dec 3rd 2014
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Jason Vondrak (jvondrak)
#220 ranked lender in California - 1,741 contributions

You will need to refinance your current FHA mortgage into a VA mortgage. In order to do so, you will have to meet VA qualification requirements.

Dec 3rd 2014
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William J Acres (William_Acres)
#75 ranked lender in Arizona - 8,728 contributions

If VA benefits are available to your husband then yes, you can refinance into a VA loan. He would need to apply and you can be on the loan and deed.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Dec 3rd 2014
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