Welcome to our VA Loan guide – Novum Home Loans exists to provide guidance and advisory services to Veterans and military families who are seeking to chart the course to home ownership.
The VA Loan program is a powerful benefit earned through your dedicated service. At Novum Home Loans, we’re honored to guide Veterans and military families through this process, ensuring you maximize your opportunities for homeownership. We’ll provide expert guidance, personalized support, and clear communication, making your journey to a new home as smooth and rewarding as possible.
Keep reading to learn more about VA Loans, or select a topic below to jump to a section.
Understanding your VA Loan eligibility is the first step towards unlocking your homeownership potential. Generally, Veterans, active-duty service members, and eligible surviving spouses may qualify.
Key eligibility factors include:
The VA Loan process is designed to be straightforward and efficient. It typically begins with obtaining a Certificate of Eligibility (COE) to verify your eligibility for the program. From there, you’ll work with our experienced Loan Officers to get pre-approved, find your dream home, and secure your VA Loan. We’ll guide you through each step, handling the paperwork and ensuring a smooth closing.
We understand that every Veteran’s home ownership journey is unique. That’s why we offer a variety of VA Loan options, each designed to meet specific needs and goals. Our experienced loan officers will work closely with you to determine which option best suits your situation, ensuring you’re empowered to make informed decisions.
Novum Home Loans is committed to providing the expert guidance and personalized support you need to navigate your options with confidence. Contact us today to discuss your specific needs and discover how we can help you achieve your homeownership dreams.
Even if you weren’t able to take advantage of your VA Loan benefits when purchasing your home, refinancing your current mortgage with a VA Loan can also offer significant financial advantages.
Whether you’re looking to lower your interest rate, reduce your monthly payments, or access your home’s equity, we’ll guide you through the refinancing process and help you determine the best option for your needs.
The COE verifies your eligibility for a VA Loan. We'll help you obtain your COE or guide you to the appropriate resources.
Typically, VA Purchase Loans do not require a down payment.
Yes, there are closing costs, but they are often lower than those for conventional loans. We'll provide a detailed breakdown of all costs.
Yes, VA Loans can be used to purchase manufactured homes that meet specific requirements.
The VA funding fee is a one-time fee paid by most borrowers to help lower the cost of the VA Loan program to taxpayers. Certain veterans are exempt from this fee.
Yes, you can refinance a non-VA Loan into a VA Loan, provided you meet the eligibility requirements.
The VA Loan process typically takes 30-45 days, but timelines can vary. We'll keep you informed every step of the way.
Yes, you can use your VA Loan benefit multiple times, provided you meet the eligibility requirements.
Give us a call at (877) 764-4099 or connect with a Loan Officer.
We’re here to guide you – click below to see more resources for Veterans.
(210) 794-9511
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Equal Housing Opportunity. Other limitations may apply. Novum Home Loans LLC D/B/A Novum Home Loans. NMLS #2487386. NMLS Consumer Access. Licensed in VA (MC-8089), GA (2487386), FL, CO, MD, OK (OK MB016151), AR (2487386), TX, and CA (60DBO-210614)| For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.
FOR TEXAS CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
CA 60DBO-210614 Licensed by the Dept. of Financial Protection & Innovation, under the CA Residential Mortgage Lending Act.
