Annie Sells Texas

  How to Use Your VA Loan Benefit When Relocating to Fort Worth How do you use your VA loan benefit when relocating to Fort Worth? To use your VA loan benefit when relocating to Fort Worth, start by getting your Certificate of Eligibility (COE), connect with a VA-approved lender, and work with a local expert like Annie Sovereign to find a VA-eligible home. Annie simplifies the process for military families moving to the area. Step 1: Confirm Your Eligibility and Get Your COE Before house hunting, make sure you’re eligible for a VA loan. Most active-duty, veterans, reservists, and surviving spouses qualify. You’ll need a **Certificate of Eligibility (COE)** from the VA, which shows your lender that you’re approved to use the benefit. Step 2: Connect With a VA-Experienced Lender Find a lender who understands the VA loan process. Annie Sovereign works with top VA lenders in Fort Worth who: - Know how to navigate VA guidelines - Offer competitive rates - Can prequal...

  What Is a VA Funding Fee and How Does It Work in Fort Worth Home Sales? What is a VA funding fee and how does it work in Fort Worth home sales? The VA funding fee is a one-time cost paid to the Department of Veterans Affairs to help sustain the VA loan program. It replaces private mortgage insurance and can be financed into the loan. Annie Sovereign explains how it works and what Fort Worth buyers need to know. What Is the VA Funding Fee? The VA funding fee is a required charge for most VA loan borrowers. It’s a percentage of the loan amount and helps the VA cover losses and continue offering the program with no PMI and low rates. It is not paid to your lender—it's paid directly to the VA. 2025 VA Funding Fee Rates (for Most Buyers) - **First-time use with no down payment:** 2.15% - **Subsequent use with no down payment:** 3.3% - **With 5% down:** 1.5% - **With 10%+ down:** 1.25%   These fees can either be paid upfront at closing or rolled into your t...

  Can You Get a VA Loan Without 2 Years of Employment? Fort Worth Guidance for Military Transitions Can you get a VA loan without 2 years of employment? Yes, in many cases you can. The VA doesn’t require a full two-year job history, especially for active-duty service members, recent veterans, or those with stable income sources. Annie Sovereign explains what Fort Worth buyers need to qualify and how to navigate employment exceptions. Understanding VA Loan Employment Guidelines Unlike conventional loans, VA loans have flexible guidelines around employment. Lenders want to see that you have a reliable and stable income—but it doesn’t always have to come from two years in the same job. When 2 Years of Employment Is Not Required - **Active-duty military:** Your service qualifies as proof of income - **Transitioning service members:** Job offer letters may be accepted - **Veterans with short work history:** As long as the new job is full-time and aligns with your experie...

  How Many Times Can You Use a VA Loan in Texas? Annie Sovereign’s Expert Advice How many times can you use a VA loan in Texas? There’s no limit to how many times you can use a VA loan—as long as you qualify. You can even hold two VA loans at once under specific conditions. Annie Sovereign explains how Fort Worth buyers can reuse their VA benefit to upgrade, relocate, or invest wisely. Can You Use a VA Loan More Than Once? Yes. Contrary to common belief, VA loans are not a one-time benefit. You can use your VA loan entitlement multiple times, whether you're selling your current home, upgrading to a new property, or relocating to another city in Texas like Fort Worth. How VA Loan Entitlement Works Entitlement refers to the amount the VA guarantees on your loan. There are two types: - **Basic Entitlement:** Up to $36,000 (not a cap on the loan amount, just the VA guarantee) - **Bonus/Full Entitlement:** Covers up to 25% of the county loan limit   In most ca...