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Charleston, West Virginia

Common Charleston VA Home Loan Questions


Common VA Home Loan Questions From Charleston, West Virginia

Common VA Home Loan Questions From Charleston, West Virginia

Common VA Home Loan Questions From Charleston, West Virginia



Common VA Home Loan Questions from Charleston, West Virginia. Today in our latest Go VA Home Loan mortgage post we will try to answer some of the most common questions you may have about the VA Home Loan. Below we have answered several of the most common ones we've been asked. That being said, if you have any other questions, or simply want a professional opinion on your individual circumstance feel free to call us at the number in the top right. You can also fill out one of our forms for a more in depth examination of your individual housing situation.

VA Home Loan Questions Answered


VA Home Loan Question 1: "Can I obtain a VA home loan with bad credit?"
The answer is yes you can. Credit is still a factor when it comes to being approved for any type of home loan. That being said, the VA Home Loan is by far the most lenient when it is put in comparison with the other type of home loans and mortgage types. Right now lenders tend to be looking for scores around 620. Taking that into consideration the VA does not have a credit score requirement. They are looking for individuals who they believe will be capable of paying back the borrowed amount including interest. So, the credit score is extremely lenient in general, but that doesn't mean that a VA Home Loan will just be handed out. There are still certain requirements that must be met.


VA Home Loan Question 2: "Can I Get a VA Home Loan after bankruptcy? What's the policy?"
The most accepted time frame is generally around a two-year wait from the date of the bankruptcy discharge. That being said, it varies. If someone were to file for Chapter 13 bankruptcy protection may be eligible after a single year of waiting. This is assuming no payments were missed within that year. This ultimately comes down to a VA mortgage lender's personal preference. Not all VA approved lenders will extend financing to those buyers.


VA Home Loan Question 3: "How do you get started on a VA Home Loan?"
This question actually has a very simple answer. In most cases you can pre-qualify in minutes. pre-qualification is the first step. The second step would be loan pre-approval which give you a good sense of your purchasing power. You would have to visit a mortgage brokerage or mortgage lender who has their NMLS ID number to obtain either of these two. If you have any further questions about these steps you can talk to a Go VA Home Loan specialist at (816) 945-9924.


VA Home Loan Question 4: "What if I've used a VA Home Loan Before? Can I use it again?"
You need to have had paid off your prior home if you would like to use the VA Home Loan for a second mortgage. If you have paid off the prior property, still own the property, and want to use your entitlement to purchase a second home you are generally allowed to do so. Many active duty borrowers who PCS to a new station will do this if they want to keep their current home for retirement. That being said, you can only do that one time. Now, if the previous VA Mortgage is paid off & the property isn't owned anymore they may have their entitlement restored for as many times as they would like.


VA Home Loan Question 5: "Am I eligible for a VA Loan in Charleston, "
You may be eligible if you have served for 90 consecutive days of active service during wartime, have served 181 days of active service during peacetime, have more than 6 years of service in the National Guard or Reserves, or you are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.


VA Home Loan Question 6: "What is A Veteran's home loan entitlement?"
If you are eligible for the VA home loan program, and haven't ever used it, then you have basic & bonus VA entitlement. This is a $36,000 figure many see on their Certificate of Eligibility (COE) that refers to a portion of entitlement known as “basic”. This is the VA's maximum guarantee for loans up to $144,000.

Helpful West Virginia VA Loan Info


What is the Charleston VA Loan Appraisal Process?

VA Purchase Home Loan Program Charleston

Military BAH Rates - Charleston Basic Allowance For Housing

Charleston VA Mortgage Calculator

Charleston VA Mortgage Rates

Common Charleston VA Home Loan Questions

How Do I Get A Charleston Certificate Of Eligibility(COE)?

Military DD214 Form for West Virginia military personnel

Charleston VA Credit Score Requirements

Charleston VA Streamline Refinance Loan | IRRRL Refinance Program

Charleston VA Mortgage Lenders

Charleston Income & Financial Requirements For VA Loans

What are closing average Charleston, West Virginia closing costs?

Charleston VA Mortgage CO-Signer Requirements and Regulations

Charleston Military Home Loans and special benefits

What is the Charleston, West Virginia VA Entitlement?

Charleston West Virginia VA Home Loans

The Government Will Pay Your Charleston VA Loan Through the BAH Program

All West Virginia VA Loan Locations

Locations Nearby Charleston


Clendenin, WV 25045
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 8921
AVERAGE HOME VALUE PER SQFT: $71 Per Sq Ft

Education Stats in Charleston, WV

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Charleston, West Virginia housing data

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Charleston, West Virginia Median Home Value: %
25387 Median Gross Rent: %

Time zone and area codes for Charleston

Charleston Time Zone: America/New_York
Area Code(s) For Charleston, WV: 304

Charleston(25387) Coordinates

25387 Approximate Latitude: 38.35
25387 Approximate Longitude -81.63
25387 Population Center Latitude:
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Charleston, WV Age Demographics

Charleston Population Under 10: People
Charleston Population 10-19: People
Charleston Population 20-29: People
Charleston Population 30-39: People
Charleston Population 40-49: People
Charleston Population 50-59: People
Charleston Population 60-69: People
Charleston Population 70-79: People
Charleston Population 80 years and up: People

Charleston Demographics Data

White demographics: People
African-American demographics: People
Charleston Indian and alaskan natives: People
Charleston asian demographics: People
Charleston Hawaiian and Pacific Islanders: People
Charleston Population Makred as Other: People
Charleston Two or more races: People
Charleston male population count: People
Charleston female population count: People

Charleston, WV Facts

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Number Of Houses in Charleston, West Virginia:

Charleston Postal, Tax, and Wage Facts

Total Wages in Charleston:
25387 Post Office Location: NA-US-WV-CHARLESTON
25387 Post Office Type: STANDARD
There were tax returns in 25387.

Charleston, WV 25387
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 8749
AVERAGE HOME VALUE PER SQFT: $54 Per Sq Ft


South Charleston, WV 25303
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 7886
AVERAGE HOME VALUE PER SQFT: $76 Per Sq Ft


Charleston, WV 25304
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 7605
AVERAGE HOME VALUE PER SQFT: $96 Per Sq Ft


Nitro, WV 25143
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 7367
AVERAGE HOME VALUE PER SQFT: $72 Per Sq Ft


Dunbar, WV 25064
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6855
AVERAGE HOME VALUE PER SQFT: $61 Per Sq Ft


Elkview, WV 25071
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6816
AVERAGE HOME VALUE PER SQFT: $78 Per Sq Ft


Charleston, WV 25311
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6725
AVERAGE HOME VALUE PER SQFT: $78 Per Sq Ft


Cross Lanes, WV 25313
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6338
AVERAGE HOME VALUE PER SQFT: $77 Per Sq Ft


South Charleston, WV 25309
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6278
AVERAGE HOME VALUE PER SQFT: $76 Per Sq Ft


Charleston, WV 25314
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 5833
AVERAGE HOME VALUE PER SQFT: $92 Per Sq Ft


Charleston, WV 25302
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 5253
AVERAGE HOME VALUE PER SQFT: $61 Per Sq Ft


Saint Albans, WV 25177
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 3334
AVERAGE HOME VALUE PER SQFT: $67 Per Sq Ft


Fairview, WV 26570
METROPOLITAN Area: Fairmont, WV
COUNTY NAME: Marion West Virginia
CITY SIZE RANK: 10546
AVERAGE HOME VALUE PER SQFT: $119 Per Sq Ft