Who We Are
We are entirely made up of fellow veterans. We only hire people who posses a DD214.
Types of Home Loans
Purchase
Loans
When you are buying an existing home from a seller, or builder, it is considered a purchase loan.
Refinance
Loans
There are two main types of refi's - Cash Out and Rate Reduction with the latter being much simpler. Cash Out refi's are as extensive as a pruchase.
Construction
Loans
There are also two types of construction loans; One Time Close and Two Time Close. We focus on one time close, as there is less chance for things to go wrong.
Renovation
Loans
Reno Loans can be done as part of a purchase, or as a refi, VA, FHA, and Conventional Loan products offer Reno Loans.
Assumption
Loans
Assumptions are just that, you assume the existing loan the seller has. You get the same rate, mortgage balance and amortization schedule.
You typically have to come up with the difference beetween the sales price and the existing loan balance.
Purchase
Loans
When you are buying an existing home from a seller, or builder, it is considered a purchase loan.
Refinance
Loans
There are two main types of refi's - Cash Out and Rate Reduction with the latter being much simpler. Cash Out refi's are as extensive as a pruchase.
Construction
Loans
There are also two types of construction loans; One Time Close and Two Time Close. We focus on one time close, as there is less chance for things to go wrong.
Renovation
Loans
Reno Loans can be done as part of a purchase, or as a refi, VA, FHA, and Conventional Loan products offer Reno Loans.
Assumption
Loans
Assumptions are just that, you assume the existing loan the seller has. You get the same rate, mortgage balance and amortization schedule.
You typically have to come up with the difference beetween the sales price and the existing loan balance.
VA
FHA
USDA
CONV
JUMBO
PORTFOLIO
VA Home Loans are arguably the most forgiving and flexible home loan mortgage out there.
Understanding the Process
Fill out the Online Application
Upload your Documents
Get Pre-Approved
Get Approved
Connect with a Real Estate Agent
Our Loan Programs
By the numbers. An indepth look at what's covered by Commercial Lending!
Understanding the Costs of Homeownership
Just like owning a car, there is more to owning a home than just making monthly payments for the loan.
Earnest Deposit
Due Deligence Fee
CL 100/ Termite Inspection
Home Inspection
Appraisal
Closing Costs
Principal
Interests
Home Owners Insurance
Mortgage Insurance
HOA
Home Warranty
Title Protection
Build Your Empire Through Real Estate!
Simple Interest Loans
Merchant Processing
Lines of Credit
Working Capital Lines
Equipment Financing
Invoice Factoring
Equipment Financing
Program Details:
The lightning program is a quick SBA Loan that can help applicants get up to $150,000 in as little as 3-4 weeks. Underwriters reviewing applications will base the loan amount off of the businesses prior years top line revenue instead of profit margins. You receive 30% of the prior years total revenue up to $150,000.
Here's What's Needed to Apply:
Application
-Last 6 months of business bank statements
-Driver's license
Voided Check
-Last 2 business tax returns
Prior years year end financials- P&L with a Balance Sheet
Qualifications:
700+ Credit, 2 business tax returns, strong business credit, Gross annual revenue above $120,000
Frequently Asked Questions
I am rated at 100% T&P with PTS, Sleep Apnea, and more. Can I get VetLife?
Sounds like you are describing just about all of us... and all of us that have applied have been approved for VetLife. We built this for the veteran community. because we are the veteran community.
Who can apply for coverage?
We built VetLife exclusively for the veteran and military community. Actively Serving (AD, Reserves, Guard?), Retired?, Veteran? We got you!
Can I cancel any time?
You can, but we don't recommend it as it could create tax implications. VetLife is built to be very flexible, so when times get tough, it is not a burden on your finances and family.
Is it true VetLife has living benefits?
Living benefits allow you to take out 80% of your death benefit if you are hit with terminal illness, chronic illness, Critical Illness, and Critical Injury.
I'm Still Serving. What happens if I am deployed?
As long as you start your policy while on U.S. (and don't have pending deployment orders) you'll be covered!
If you have pending deployment orders, there might be a temporary exclusion or two, but we can work through it!
I am a PMC and most of my contracts are overseas.
So are a lot of our customers. As long as you are contracted by an American company, and your compensation comes from within the US you're good to gol
What is Infinite Banking, can VetLife can be used for it?
Can my spouse and kids get covered under to my policy?
Absolutely! Most of us added our spouses and kids to our policy as a ryder. Others have opted to create individual policies for their kids so they can grow their wealth.
If you contribute $100 per month to each of your kids CivLife accounts for 18 years, through the power of compounding interest, by the time they are 50, they will have over $2M in their account.
Do I need a medical exam to get VetLife
We didn't! Its always a possibility that in ultra situations a medical exam might be requested. However, we have never experienced this, and it surely isn't
Sounds like you are describing just about all of us… and all of us that have applied have been approved for VetLife. We built this for the veteran community. because we are the veteran community.
We built VetLife exclusively for the veteran and military community. Actively Serving (AD, Reserves, Guard?), Retired?, Veteran? We got you!
You can, but we don’t recommend it as it could create tax implications. VetLife is built to be very flexible, so when times get tough, it is not a burden on your finances and family
It wouldn’t be your financial woobie if it didn’t.
Living benefits allow you to take out 80% of your death benefit if you are hit with terminal illness, chronic illness, Critical Illness, and Critical Injury.
As long as you start your policy while on U.S. (and don’t have pending deployment orders) you’ll be covered!
If you have pending deployment orders, there might be a temporary exclusion or two, but we can work through it!
So are a lot of our customers. As long as you are contracted by an American company, and your compensation comes from within the US you’re good to gol
Absolutely! Its one of the best parts of VetLife.
You overfun the policy and let the power of compounding interest make your money grow. Then you borrow against the cash value at a lower interest rate than your average growth. The goal is to become your own banker, avoiding traditional lenders and banks.
Absolutely! Most of us added our spouses and kids to our policy as a ryder. Others have opted to create individual policies for their kids so they can grow their wealth.
If you contribute $100 per month to each of your kids CivLife accounts for 18 years, through the power of compounding interest, by the time they are 50, they will have over $2M in their account.
We didn’t! Its always a possibility that in ultra situations a medical exam might be requested. However, we have never experienced this, and it surely isn’t
