Refinancing VA Loans With HomePromise

Refinancing VA Loans

Refinancing VA loans gives you some great benefits as a qualified veteran or service member. You may be able to decrease your monthly mortgage payments, get cash back on your home equity or lower your interest rate. Sometimes you may even get all three of these benefits in one loan!

As a military homeowner, you can use cash back on a VA refinance for a variety of needs ranging from paying off debts to making home improvements.

Do you want to lower your mortgage payments? Refinancing may help in a big way! You can get started by calling 800-720-0250 to talk with our VA experts.

Should you refinance using the VA program or with a conventional mortgage?

A VA Refinance is backed by the U.S. Department of Veteran Affairs and offered by VA authorized lenders like HomePromise. These kinds of loans are only available to qualifying veterans, active-duty service members, and surviving spouses.

Conventional loans are offered by lenders without government backing and are available to everyone who meets the lender’s requirements.

VA loans are often a better choice when you want to refinance your home because the VA loan program has no monthly mortgage insurance. Conventional mortgages often require monthly private mortgage insurance (PMI) if you have less than 20% equity in your home.

va debt consolidation and military loans

VA Debt Consolidation Loans & Military Debt Consolidation

Even with the best of intentions, bills can start to pile up. From unexpected medical bills to high interest credit cards, debt can happen to anyone. Other expenses like college tuition, delinquent taxes, and second mortgages can also cause financial stress. For veterans and military families currently experiencing financial difficulties, VA military debt consolidation loans can help.

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Monthly mortgage insurance can be expensive on a conventional mortgage if your credit score is below 700.

VA loans frequently have better terms and fees compared to conventional mortgages. This means as a veteran or service member you will get lower interest rates, lower home equity requirements, and lower credit score requirements and easier refinancing options compared to conventional loans.

If you are a service member who has earned a Purple Heart, a veteran with service-connected disabilities, or a surviving spouse, then you may be eligible to have your funding fee waived. This lowers the cost of your VA loan to the bare minimum compared to conventional loans that don’t have this option.

Your Certificate of Eligibility (COE) will show whether you can have the funding fee waived. HomePromise can get your COE from the US Department of Veterans Affairs for you – usually the same day you call us.

For both VA and conventional loans, your credit score matters. Most VA approved lenders look for at least a 640 minimum credit score. But HomePromise will make VA loans all the way down to a 580 credit score. Some conventional mortgage lenders require a 740 credit score to get their best terms.

A word of caution – VA loans are only for primary residences so you can’t buy an investment property that you will rent using the VA program. But, you can buy a duplex, triplex or fourplex if you intend to live in the home as your primary residence. You can rent out other units for income while you live in one of the units as you’re home..

For conventional mortgages, often you can only refinance 95 percent of your current home value. For example, if your new mortgage balance is going to be $300,000 then the appraisal must be at least $333,333 in order to qualify for a conventional mortgage. If the property value is closer to $300,000, then you can’t refinance your loan with a new conventional loan unless you bring the difference in a check to settlement. But, refinancing using the VA program may still be an option.

Get your questions answered now by calling 800-720-0250 to talk with our VA loan experts.

VA Loan Refinancing Rates

VA mortgages are typically cheaper and have lower interest rates than conventional loans, due to the government backing of VA loans. You can enjoy competitive rates usually lower than conventional loans based on your unique financial profile and situation.

If you need more help understanding VA refinance options or would like to find out your rate options, contact our VA specialists on 800-720-0250 and get your VA refinance now.

Can You Refinance a VA Loan?

You may be able to decrease your rate, tap into your home’s equity or even pay off a first and second mortgage with the HomePromise VA home loan program. Second mortgages are often adjustable rate mortgages with the risk that rates can rise leading to higher monthly payments. Payment an adjustable rate mortgage off with a new HomePromise fixed rate VA loan means your payments will be steady for the live of the loan.

As a veteran, you’ll need to meet eligibility requirements to qualify for a VA refinance, and at HomePromise, we promise that we’ll work hard to help you refinance even with a credit score of 580. Call our VA loan experts at 800-720-0250 to see if you qualify.

HomePromise offers two types of VA refinancing options including reducing the interest rate with a VA streamline refinance (VA IRRRL) and taking equity out of your home with a cash-out refinance

VA Streamline Refinance: It is also known as Interest Rate Reduction Refinance Loan (IRRRL). With this, you refinance your loan with a lower interest rate without undergoing a full income and debt review. This saves you time and lowers your monthly payments.
VA Cash-Out Refinance: This loan program allows you to refinance your existing VA, conventional, FHA, UDSA or privately financed loan with a new loan that lets you take out cash from your home’s equity. This may be used to cover emergency expenses, eliminate debts or make home improvements.

VA Loan Refinance With HomePromise

HomePromise offers veterans the options of VA Streamline IRRRL and VA Cash-Out refinance loans. The VA Streamline IRRRL option can be fast, and requires minimal paperwork to get through. The VA IRRRL has a low VA funding fee that’s only 0.5% of the loan amount. You can also usually roll the funding fee and the closing costs into the new loan.

To be eligible for a VA Streamline IRRRL mortgage, you must have a VA-backed mortgage already on your home. If your current mortgage is not a VA loan then you have to use the VA Cash Out program to refinance your current mortgage.

With the VA Cash Out refinance loan, you may be able to finance up to 100% of the appraised value of your home. Many lenders won’t let you finance up to 100% but instead force you to finance only 90%. HomePromise doesn’t make veterans stop at 90% but will allow all the way up to 100%.

You can refinance a non-VA loan with a new VA loan with the Cash Out refinance option.

The funding fee on an IRRRL is 0.5% of the loan amount while on a VA cash-out refinance, it’s 2.3% of the total loan unless it’s not your first VA loan in which case it would be 3.6%. Remember that you may qualify to waive the funding fee which will save you thousands of dollars in closing costs.

Refinancing VA Loans With HomePromise

Refinancing using the VA loan program requires a new loan application, a new title report, and some of paperwork. But, the benefits of using the VA refinance loan program are often worth the effort. If you’re ready to the process or have more question, call the HomePromise VA Loan experts at 800-720-0250.

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Home Loans for Veterans With Bad Credit

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Home Loans for Veterans With Bad Credit

VA loans are a top military benefit for eligible veterans, service members, and surviving spouses but keep in mind that being eligible does not always mean you will get a loan. For a VA-backed home loan, you’ll also need to pass your lender’s credit scoring, credit history on your credit report, and income loan requirements to receive financing. So, it really matters what lender is providing home loans for veterans with bad credit.

Credit scoring is used by lenders to help decide whether to extend or deny credit, but credit score minimums may be different for each VA lender. Even If your credit score is low, there may be hope at HomePromise! Military members with bad credit may be able to overcome their financial difficulties and be approved for HomePromise VA loans. If you have had difficulty paying bills on time we may still be able to help. Call us if you’ve had difficulty paying an unsecured credit card or any other kind of debt.

If you’re trying to pay off debt as a veteran homeowner, we have government-backed VA home loan debt relief options available to you that may not be available to civilians. They can help you pay off your debts and free up money in your monthly budget. Do you want to find out more about your options? Contact a HomePromise VA expert at 800-720-0250 today.

How to Get a VA Loan With a Challenging Credit History

A VA loan is a specialized type of government loan, backed by the Department of Veterans Affairs (VA). It allows you to qualify for a low-cost mortgage when you’re looking to purchase or refinance a house even if your credit isn’t perfect. If you’re on active duty in the military, a military surviving spouse, or are a veteran, you’re potentially eligible for a VA loan.VA Loan with a Challenging Credit History

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VA Loan Requirements for Veterans With Bad Credit

To qualify for a VA Loan, you must meet service requirements, you need your income, assets, and credit to check out. You also need an appraisal of the home you own or are buying. You must also meet your lender’s requirements, and this is how HomePromise helps you when other lenders may not; By setting a lower credit score requirement than many other lenders we may make VA loans other lenders turn down. Also, the HomePromise origination fee paid at closing is lower compared to many other lenders.

Credit requirements are set by lenders, not by the Veterans Administration. Compared to some other lenders who have strict credit and payment history requirements, HomePromise helps again by sometimes allowing credit problems like a bankruptcy less than 2 years ago if you have extenuating circumstances for the bankruptcy.

When it comes to fees at closing, HomePromise also helps by charging a flat rate of $590 instead of 1% of the total loan amount like other lenders. The HomePromise low origination fee may save you thousands in closing costs. Also, ask us about special VA loan cost-saving options for disabled veterans who receive compensation from the VA for a service-connected disability.

To be eligible for a loan your lender will also evaluate your debt-to-income ratio (DTI) to judge your ability to pay back the loan. Your DTI represents how much of your monthly income goes toward paying back debt. Veteran homeowners dealing with debt also have access to debt relief options with HomePromise.

As a Veteran homeowner, you may qualify for an MDCL (Military Debt Consolidation Loan), also known as a VA Consolidation Loan which can help you overcome financial difficulties. As a VA-eligible homeowner, you may also be able to get an MDCL which is a kind of VA Cash-Out refinance loan which is designed to pay off existing monthly debt like high-interest credit card debt. Do you want to learn more about getting a VA mortgage with a low credit score? Ask our VA home loan experts at 800-720-0250.

Minimum Credit Score for VA Loan

Although the VA determines the guidelines for VA loan eligibility, private lenders who finance the home typically have an additional set of requirements borrowers must satisfy. To be approved for a loan, you must meet your lender’s financial requirements. These requirements include having enough income, acceptable levels of debt (debt to income ratio), and a credit score that meets the lender’s credit requirements.

Many lenders require a 640 minimum credit score to obtain VA financing, but HomePromise only requires 580. Sometimes it can take many months or a year or more of working on your credit to get your credit score from 580 to 640. With HomePromise you may not have to wait for your score to rise. So, you may qualify for a VA loan even if you have had trouble making on-time payments.

VA Bankruptcy Waiting Period

You can still qualify for a VA loan after bankruptcy or foreclosure. Veterans who file for bankruptcy may see their credit score drop between 130 to 240 points, according to credit scoring experts. Many VA lenders require a credit score of at least 640, and this decrease knocks many borrowers out of the qualifying range. The good news for VA borrowers is that the waiting period after discharge of bankruptcy is typically lower for VA loans than what you’ll need for conventional financing.

The two common forms of consumer bankruptcy are Chapter 7 and Chapter 13. A Chapter 7 bankruptcy involves erasing debts like credit cards while a Chapter 13 bankruptcy focuses on repayment of debt over a proposed period usually lasting for three to five years. When you complete a bankruptcy it is important to get new credit accounts. A VA mortgage loan builds credit and may help improve your credit score.

Most lenders, prospective military homeowners, or homebuyers with a bankruptcy need to wait for two years or more from the date a Chapter 7 bankruptcy is discharged or one year from the date a Chapter 13 bankruptcy is filed. With HomePromise we may be able to give you a VA loan in less time. Call now at 800-720-0250 to see if you qualify.

VA Loans for Military Personnel

To apply for a VA loan, you need your certificate of eligibility (COE) which can be obtained through HomePromise by calling 800-720-0250. Sometimes Veterans may have an old VA loan from years ago that went into foreclosure. This may be five, ten, or even twenty years ago. Some VA lenders won’t give a VA loan to a veteran who had a past foreclosure.

With HomePromise, military personnel who have previously been denied VA loans because of a VA foreclosure two or more years ago can own their own homes as we have less strict lender requirements. In fact, you may even qualify for a VA loan with a foreclosure less than 2 years ago if the cause was certain types of circumstances beyond your control. If you have less than perfect credit, you can still apply for a VA mortgage loan with HomePromise and you may qualify when others tell you no

Best VA Loan Lenders

VA home loans are issued by private lenders like HomePromise but are guaranteed by the U.S. Department of Veterans Affairs (VA). As a result, qualifying requirements for the VA loan benefit are less stringent than for standard conventional loans. With HomePromise, it may be faster and easier to get a loan with our less strict credit score requirements, lower origination fees, and competitive interest rates.

Many lenders can offer you loans, but the best VA loan lenders like HomePromise offer loans with no down payment requirements, no private mortgage insurance, and relaxed credit score standards. With bad credit and even after a bankruptcy or foreclosure you may still be able to get a home purchase loan. Call our VA experts at 800-720-0250 and discuss your options today and learn about VA loan terms and conditions!

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Pay Off Debt With a VA Home Loan

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Pay Off Debt With a VA Home Loan

Debt accumulation can happen to the best of us but luckily as a Veteran homeowner, you have an advantage. Your VA home loan program eligibility means you may qualify for an MDCL (Military Debt Consolidation Loan), also known as a VA Consolidation Loan which may help you overcome financial difficulties. With HomePromise, it’s possible to pay off high interest debt with a VA home loan.

Being eligible for VA home loan benefits as a result of your military service is a low-interest rate way of consolidating your debt. VA loans are special because not only can you buy a home with zero down payment, you may be able to get a VA cash-out refinance loan to pay off debt. One big benefit of the VA home loan program is that most of the time, the VA loan limits can be ignored which means you may qualify for a VA loan for $1,000,000, 1,500,000 or even $2,000.000!

Many types of conventional mortgages will only allow a borrower to borrow 70-80% of the home’s value to pay off consumer debt. Plus, if you can’t bring a 20% down payment you’ll be paying monthly mortgage insurance which can be expensive. When considering VA loans, some VA lenders only allow you to tap 90% of your home’s value. The HomePromise Military Debt Consolidation Loan (MDCL) allows you to borrow up to 100% of your home’s current appraised value. Are you interested and wondering if you qualify for an increase in your VA loan amount? Contact our HomePromise VA loan experts today at 800-720-0250.

VA Debt Consolidation Loans & Military Debt Consolidation

Even with the best of intentions, bills can start to pile up. From unexpected medical bills to high interest credit cards, debt can happen to anyone. Other expenses like college tuition, delinquent taxes, and second mortgages can also cause financial stress. For veterans and military families currently experiencing financial difficulties, VA military debt consolidation loans can help.

VA Debt Consolidation

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Does the VA Help With Credit Card Debt?

How to Get a VA Loan With a Challenging Credit History

by | | HomePromise Lending News

How to Get a VA Loan WithaChallenging Credit History

A VA loan is a specialized type of government loan, backed by the Department of Veterans Affairs (VA). It allows you to qualify for a low-cost mortgage when you’re looking to purchase or refinance a house even if your credit isn’t perfect.

If you’re on active duty in the military, a military surviving spouse, or are a veteran, you’re potentially eligible for a VA loan.

VA loans have several advantages over conventional loans including lower interest rates, less strict borrowing requirements, and no down payment due at closing.

VA home loans also don’t have any monthly mortgage insurance. In this guide, you’ll learn to navigate your VA home purchase or refinance with or without excellent credit.

VA loans are issued by private lenders, such as a HomePromise, and guaranteed by the U.S. Department of Veterans Affairs (VA). Because of the government backing, if you’re considering a VA loan, you don’t need to have a perfect credit report.

Home Loans for Veterans With Bad Credit

Credit requirements are set by lenders, not by the Veterans Administration. Compared to some other lenders who have strict credit and payment history requirements, HomePromise helps again by sometimes allowing credit problems like a bankruptcy less than 2 years ago if you have extenuating circumstances for the bankruptcy.

Home Loans For Veterans

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You can secure VA financing or get a low rate and excellent terms. These loans are often easier to get than conventional loans because of their easier credit requirements.

Eligible VA loan borrowers don’t need to abandon their dreams of owning a home because of a low credit score. The best part about credit is that it is fluid which means that it changes constantly.

An improvement in your financial habits will cause your credit score to go up but knowing what to improve on can be confusing. If you’re not an expert in credit reporting, it’s hard to decide if you should pay off a debt, add more debt or close a credit card account.

If you’re ready to get started on your VA loan but need help navigating your credit options, you need help from an expert in VA loans with credit history problems.

Learn how you can get a VA loan with a challenging credit history from our VA loan experts at 800-720-0250.

Can You Get a VA Loan With Bad Credit?

When it comes to credit scores, anything less than a 680 FICO Score is considered bad by some VA lenders. Other may consider credit scores under 640 a problem.

Beyond credit scores, lenders will be checking your credit report for things like how much you have available for a down payment, your overall amount of debt, and how much income you earn.

Cash is sometimes key when you have bad credit. The reason for this is that you may benefit from paying down or paying off various debts to improve your credit.

Picking a lender like HomePromise important because HomePromise does not add lots of extra rules on top of the VA lending guidelines like many other lenders.

One key benefit of HomePromise is our ability to help people with difficult credit histories by approving loans for credit scores as low as 580. Get in touch with us and see if you qualify.

Lenders Who Specialize in Bad Credit VA Loans

If you’re a would-be home buyer looking for the best mortgage lenders for bad credit, you’re not out of options. Home loans for bad credit are often backed by government agencies like the Veterans Administration (VA).

VA Loans are issued by private lenders and the Department of Veterans Affairs guarantees the loan. No down payment is required unless the home appraises for less than you’re paying for it.

You however do need to be a military service member or have a prior record of military service with an honorable discharged as a veteran. Surviving spouses of servicemen and women may also be eligible.

Lenders charge an origination fee which is an upfront fee for processing a new loan application, Most lenders charge an origination fee of 1% of the loan amount meaning $2,500.00 on a $250,000 loan. The HomePromise origination fee may save you thousands because its only $590!

Want to talk to VA loan specialists and find out more? Call 800-720-0250 today.

What It Takes to Buy a House With a Bad Credit VA Loan

VA loans are backed by the Department of Veterans Affairs and allow for the purchase of homes with $0 down. Unless you are a veteran receiving disability compensation, the VA will make lenders collect from you a one-time funding fee at closing.

Your home must meet specific minimum standards to qualify for VA financing. If you want to improve your credit, here are steps you can take that may improve your chances of buying a house with bad credit:

● Decrease debt

● Correct errors on your credit record

● Ask creditors to remove negative information on your credit report

● Don’t apply for more credit

These are general suggestions that help many people, but your specific situation might be different. Our VA loan experts are available to help you with ways to raise your credit score that are unique to your situation.

Please call today and talk to a HomePromise VA loan expert today at 800-720-0250.

How to Apply for a VA Home Loan With Bad Credit

Before applying for a VA loan, you need a Certificate of eligibility which you can get through HomePromise. With that paperwork, you can apply for a loan online with a lender like HomePromise. After serving your country, you deserve to have an easy time buying a home.

A VA loan could be your ticket to an affordable mortgage and a place to call your own. You can apply with HomePromise over the phone or online.

Final Thoughts

Having bad credit doesn’t mean you can’t enjoy the benefits of homeownership as a service member, military surviving spouse or veteran. Instead, it might just require additional research when looking for financing. With a government-backed loan like a VA loan, you may qualify for a mortgage even with a bad credit score.

To find out if you’re eligible and how the VA loan works, give us a call at 800-720-0250 and talk to our VA loan experts.

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VA Debt Consolidation Loans & Military Debt Consolidation

by | | HomePromise Lending News

VA Debt Consolidation Loans

Even with the best of intentions, bills can start to pile up. From unexpected medical bills to high-interest credit cards, debt can happen to anyone including veterans and military personnel. Other expenses like college tuition, delinquent taxes, and second mortgages can also cause financial stress. For veterans and military families currently experiencing financial difficulties, VA military debt consolidation loans can help.

Using the VA home loan program for debt consolidation is designed to help alleviate some of these financial burdens and give veterans and military families a better option for paying off their debt faster and easier.

When determining your eligibility for a military debt consolidation loan, lenders will consider your credit report, your income and debts, the equity in your home, and your VA loan repayment history. If you have questions about how a VA debt consolidation loan could work for you, call HomePromise at 800-720-0250. Their experts will answer your questions, review your credit score, and provide you with a free quote.

VA Military Debt Consolidation

Military debt consolidation loans work similarly to cash-out refinances. If you own a home, you are able to refinance that loan for a higher amount to cover the debt. Upon closing, that additional money is pulled out and given to you. You then have paid off personal debt with higher monthly payments. The amount of debt you can pay off depends on several factors including how much home equity you have.

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Refinancing VA Loans With HomePromise

As a military homeowner, you can use cash back on a VA refinance for a variety of needs ranging from paying off debts to making home improvements.

Do you want to lower your mortgage payments? Refinancing may help in a big way! You can get started by calling 800-720-0250 to talk with our VA experts.

Should you refinance using the VA program or with a conventional mortgage?

Refinancing VA Loans

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Note that you don’t have to have an existing VA loan presently to qualify.

For example, if your current home loan balance is $150,000 and you need $20,000 to cover existing debt from credit cards, delinquent taxes, or college tuition payments, your loan would be refinanced to $170,000 plus any financed closing costs. You would receive the $20,000 and your new mortgage payment would reflect the new loan amount of $170,000 plus financed closing costs. You can use these kinds of loans to pay off any type of debt or personal loan.

The benefits of a VA debt consolidation loan may include reducing your interest rate, having longer repayment plans or terms, decreasing your overall non-mortgage debt and having fewer monthly payments. Military debt consolidation loans also provide more options for veterans and military families with low credit scores and high debt-to-income ratios.

Some veterans may choose a debt management program but finding out if you qualify for a VA cash-out refinance VA debt consolidation loan may be a better option. Always remember that if you’re struggling with your debts, you have special rights if you’re presently on active duty through the Military Lending Act and the Servicemembers Civil Relief Act.

VA Loans to Pay off a Second Mortgage

If you have a second mortgage or home equity line of credit and are looking to pay off that loan, a VA debt consolidation loan could be a helpful option for you. With a military debt consolidation loan, you can pay off your second mortgage, and many times receive a more competitive interest rate and consolidate your monthly payments into one easy payment.

If you’re considering a VA debt consolidation loan and want to discuss your options, call HomePromise at 800-720-0250 to receive a free quote from one of our VA home loan experts.

VA Loans to Pay off Credit Cards

There is hope for those experiencing financial difficulties due to growing credit card debt: VA debt consolidation loans can help alleviate this financial burden. Veterans and military families who own a home as a primary residence are eligible to take out up to 100% of their home’s equity with HomePromise to help pay off credit card debt. The money you receive from refinancing your existing home loan would pay off your credit cards and leave you with an updated mortgage payment to reflect the higher loan amount.

It is important to note that many VA lenders limit you to 90% of the value of your home when taking out a new loan to get cash out of your home. This is not required by the VA home loan program and a few lenders will let you go all the way up to 100% of the value of your home. HomePromise is one of those lenders so call the HomePromise VA loan experts at 800-720-0250 to apply for a 100% cash-out refinance VA home loan.

Paying off your credit card debt and having it rolled into one easy mortgage payment shortens the amount of time it will take you to pay off your debt. It will reduce your interest rate and decreases your overall non-mortgage debt amount.

It also eliminates the never-ending credit card bills with their high credit card interest rates and the harassing calls from credit card companies.

Credit card debt is considered unsecured debt. When you take out a VA debt consolidation loan to pay off your credit card debt, that debt is now considered secured debt. The debt is now called secured debt because your home is acting as collateral for your loan. Just like any VA home loan, there is a risk of foreclosure if you don’t pay your mortgage.

Military debt consolidation loans are a great option for veterans and their families because these loans offer more competitive interest rates than high-interest credit cards and closing cost caps compared to other mortgage loan types. Applying for a VA debt consolidation loan to pay off your credit cards may also improve your credit score in some cases. Contact HomePromise at 800-720-0250 to receive your free quote today.

VA Loans to Pay off Delinquent Taxes

If you’re behind on your income or property tax payments, you could be facing fines, high-interest rates on your debt, and potentially garnishing or placing a levy on your wages. Taking out a VA debt consolidation loan may allow you to quickly pay off your delinquent taxes and consolidate your monthly payments into one simple payment.

Some VA lenders will deny your loan if you are behind on your taxes. HomePromise is different, many times we may be able to approve your VA loan even with unpaid state, federal, or real estate taxes. Call HomePromise at 800-720-0250 to see if you qualify for a VA debt consolidation loan today.

VA Cash Out Refinances to Pay for College

It’s no secret that paying for college tuition is expensive. Whether you’re paying for your children to go to college or you’re going to college yourself, it’s an expensive undertaking. A VA debt consolidation loan could help alleviate some of the financial burden associated with furthering your education or that of your children.

Using a VA cash-out refinance to pay for college may be a great option to lower the interest rate on your student debt with a low-rate VA mortgage. This kind of VA loan option may provide you with a significant amount of money to put toward tuition or pay off student loans while maintaining one monthly payment with a low-interest rate.

Get a Free Quote for a VA Debt Consolidation Loan

When faced with the burden of paying off a second mortgage, credit card debt, college tuition, or delinquent taxes, you need to work with a trustworthy lender who has competitive interest rates. HomePromise is a lender approved by the U.S. Department of Veteran Affairs to provide VA loans. We have some of the lowest loan origination fees in the country, and we provide veterans and military families with convenient ways to apply. If you served or currently serve in the armed forces give us a call.

Whether online or over the phone, HomePromise will handle all of your VA home loan and VA debt consolidation loan questions with compassion and care. We will review your credit history along with your unique circumstances and provide you with a free quote if you qualify. If you’re having difficulty getting your Certificate of Eligibility (COE) on the Department of Defense website, we can help you get it. Call HomePromise at 800-720-0250 to learn what options may be available to military service members and veterans for VA debt consolidation loans.

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