Buying a Home in a New State With a VA Loan (2024)

Without military experience most loans require at least 3% down.

Without military experience most loans require at least 3% down.

We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

Due to state regulations, we are not able to accept home loan inquiries for New York properties on this site. If you are interested in a property in another area, you may hit Back and enter a different location.

Due to state restrictions, we do not offer cash-out or debt consolidation refinances in the state of Texas.

By submitting, I acknowledge, consent and agree to the terms listed below.

By submitting, I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. Texting terms apply. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.

Maximum cashout amount based on the home value and mortgage balance information you supplied. Not guaranteed until locked in by your Loan Officer.

Paddio has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.

Neighbors Bank has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.

When autocomplete results are available use up and down arrows to review and enter to select.

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Without military experience most loans require at least 3% down.

Get More Information

"},"down_payment_notice_nb" : {"type": "hidden","label" : "

Without military experience most loans require at least 3% down.

We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

Get More Information →

","required": true,"value" : 1,},"down_payment_notice_html_nb" : {"type": "html","content" : "

Without military experience most loans require at least 3% down.

We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

Get More Information

"},"property_search" : {"label" : "Where are you looking to buy?","description" : "City or Zip Code","type": "text","invalidMsg": "Please enter a valid location.","placeholder" : "City or Zip Code","attr": "autocomplete=\"off\" aria-describedby=\"calc_inline_afford_init_prop_search_instr\" aria-owns=\"calc_inline_afford_prop_search_results_box\" aria-expanded=\"false\" aria-autocomplete=\"both\""},"property_zip" : {"type": "hidden"},"property_city" : {"type": "hidden"},"property_state" : {"type" : "hidden","required" : true,"invalidMsg": "Please enter a valid US location."},"property_state_select" : {"label": "Where will you be living?","type" : "select","required" : true,"attr": "autocomplete=\"fmcty_off\"","placeholder" : "Select the property location…","onChange" : "setPropertyState","options" : [[ "AL" , "Alabama" ],[ "AK" , "Alaska" ],[ "AZ" , "Arizona" ],[ "AR" , "Arkansas" ],[ "CA" , "California" ],[ "CO" , "Colorado" ],[ "CT" , "Connecticut" ],[ "DE" , "Delaware" ],[ "DC" , "District of Columbia" ],[ "FL" , "Florida" ],[ "GA" , "Georgia" ],[ "HI" , "Hawaii" ],[ "ID" , "Idaho" ],[ "IL" , "Illinois" ],[ "IN" , "Indiana" ],[ "IA" , "Iowa" ],[ "KS" , "Kansas" ],[ "KY" , "Kentucky" ],[ "LA" , "Louisiana" ],[ "ME" , "Maine" ],[ "MD" , "Maryland" ],[ "MA" , "Massachusetts" ],[ "MI" , "Michigan" ],[ "MN" , "Minnesota" ],[ "MS" , "Mississippi" ],[ "MO" , "Missouri" ],[ "MT" , "Montana" ],[ "NE" , "Nebraska" ],[ "NV" , "Nevada" ],[ "NH" , "New Hampshire" ],[ "NJ" , "New Jersey" ],[ "NM" , "New Mexico" ],[ "NY" , "New York" ],[ "NC" , "North Carolina" ],[ "ND" , "North Dakota" ],[ "OH" , "Ohio" ],[ "OK" , "Oklahoma" ],[ "OR" , "Oregon" ],[ "PA" , "Pennsylvania" ],[ "RI" , "Rhode Island" ],[ "SC" , "South Carolina" ],[ "SD" , "South Dakota" ],[ "TN" , "Tennessee" ],[ "TX" , "Texas" ],[ "UT" , "Utah" ],[ "VT" , "Vermont" ],[ "VA" , "Virginia" ],[ "WA" , "Washington" ],[ "WV" , "West Virginia" ],[ "WI" , "Wisconsin" ],[ "WY" , "Wyoming" ]],"disabledOptions" : false},"state_unavailable_notice" : {"type": "hidden","required": true},"state_unavailable_notice_html" : {"type": "html","content" : "

New York Homebuyers:

Due to state regulations, we are not able to accept home loan inquiries for New York properties on this site. If you are interested in a property in another area, you may hit Back and enter a different location.

"},"when_loan" : {"label": "When do you plan to buy?","type" : "radio","required" : true,"placeholder" : "Select your timeframe…","options" : [[ "offer pending" , "ASAP: Offer Pending" ],[ "within a month" , "Within a Month" ],[ "2 to 3 months" , "2 - 3 Months" ],[ "3 to 6 months" , "3 - 6 Months" ],[ "over 6 months" , "6+ Months" ],[ "no time frame" , "Not Sure" ]]},"preventing_loan" : {"label": "What prevents you from buying your new home today?","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "credit" , "My credit rating is too low" ],[ "income" , "My income is too low" ],[ "under_lease" , "I am locked in a rent/lease" ],[ "new_city" , "I am transferring to a new location" ],[ "still_looking" , "I haven’t found a home yet"],[ "other" , "Other" ]]},"property_value" : {"label": "What is your price range?","description": "(An estimate is fine)","type" : "radio","required" : true,"options" : [[ "700001" , "$700K or more" ],[ "700000" , "$600K - $700K" ],[ "600000" , "$500K - $600K" ],[ "500000" , "$400K - $500K" ],[ "400000" , "$350K - $400K" ],[ "350000" , "$300K - $350K" ],[ "300000" , "$250K - $300K" ],[ "250000" , "$200K - $250K" ],[ "200000" , "$150K - $200K" ],[ "150000" , "$100K - $150K" ],[ "90000", "under $100K" ],[ "150001" , "I don’t know"]],"onChange" : "calculateDownPayment",},"home_value" : {"label": "What is the value of your home?","description": "(An estimate is fine)","type" : "currency","required" : true,"attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid dollar amount.","onChange": "calcRefiLtv",},"down_payment" : {"label": "How much of a down payment would you like to make?","description": "","type" : "radio","required" : true,"options" : [[ "0" , "0%" ],[ "3.5" , "3.5%" ],[ "5" , "5%" ],[ "10" , "10%" ],[ "15" , "15%" ],[ "20" , "20%" ],[ "21" , "More than 20%" ]]},"credit_rating" : {"label": "What is your current credit score?","description" : "Your credit information is top secret. We keep all private data under lock and key.","type" : "radio","required" : true,"options" : [["Excellent" , "Excellent (720+)"],["Good", "Good (680-719)"],["Fair", "Fair (620-679)"],["Below Average" , "Below Average (600-619)"],["Poor", "Poor (Below 600)"],["unknown" , "I don’t know"]],},"current_rate" : {"label": "What is your current mortgage interest rate?","type" : "select","required" : true,"placeholder" : "Select your current interest rate…","options" : [[ "2.99" , "under 3%" ],[ "3" , "3%" ],[ "3.125" , "3.125%" ],[ "3.25" , "3.25%" ],[ "3.375" , "3.375%" ],[ "3.5" , "3.5%" ],[ "3.625" , "3.625%" ],[ "3.75" , "3.75%" ],[ "3.875" , "3.875%" ],[ "4" , "4%" ],[ "4.125" , "4.125%" ],[ "4.25" , "4.25%" ],[ "4.375" , "4.375%" ],[ "4.5" , "4.5%" ],[ "4.625" , "4.625%" ],[ "4.75" , "4.75%" ],[ "4.875" , "4.875%" ],[ "5" , "5%" ],[ "5.125" , "5.125%" ],[ "5.25" , "5.25%" ],[ "5.375" , "5.375%" ],[ "5.5" , "5.5%" ],[ "5.625" , "5.625%" ],[ "5.75" , "5.75%" ],[ "5.875" , "5.875%" ],[ "6" , "6%" ],[ "6.125" , "6.125%" ],[ "6.25" , "6.25%" ],[ "6.375" , "6.375%" ],[ "6.5" , "6.5%" ],[ "6.625" , "6.625%" ],[ "6.75" , "6.75%" ],[ "6.875" , "6.875%" ],[ "7" , "7%" ],[ "7.125" , "7.125%" ],[ "7.25" , "7.25%" ],[ "7.375" , "7.375%" ],[ "7.5" , "7.5%" ],[ "7.625" , "7.625%" ],[ "7.75" , "7.75%" ],[ "7.875" , "7.875%" ],[ "8" , "8%" ],[ "8.125" , "8.125%" ],[ "8.25" , "8.25%" ],[ "8.375" , "8.375%" ],[ "8.5" , "8.5%" ],[ "8.625" , "8.625%" ],[ "8.75" , "8.75%" ],[ "8.875" , "8.875%" ],[ "9" , "9%" ],[ "9.125" , "9.125%" ],[ "9.25" , "9.25%" ],[ "9.375" , "9.375%" ],[ "9.5" , "9.5%" ],[ "9.625" , "9.625%" ],[ "9.75" , "9.75%" ],[ "9.875" , "9.875%" ],[ "10" , "10%" ],[ "10.01" , "over 10%" ],[ "5.01" , "I don't know" ]]},"balance" : {"label": "How much do you currently owe on your home mortgage?","type" : "currency","required" : true,"attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid dollar amount.","onChange": "calcRefiLtv",},"refi_ltv" : {"type": "hidden","onChange": "calcRefiTotalLoanAmount"},"refi_total_loan_amount" : {"type": "hidden"},"refi_ltv_message" : {"type": "hidden","label" : "

Based on the information provided, your loan-to-value ratio is too high for a Cash-Out refinance with Veterans United.
Learn more about VA Cash-Out Refinancing

Would you still like to see if we can lower your interest rate?

","required": true,"value" : 1},"ny_opq_message" : {"type": "hidden","label" : "

Thank you for coming to Veterans United Home Loans! To continue your home loan request, please continue to our secure, online mortgage preapproval system.

Get Preapproved Online →

","required": true,"value" : 1,},"tx_cashout_message" : {"type": "radio","label" : "

Due to state restrictions, we do not offer cash-out or debt consolidation refinances in the state of Texas.

Would you still like to see if we can lower your interest rate?

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What is your name?

"},"first_name" : {"label" : "First Name:","type": "text","required": true,"placeholder" : "First","invalidMsg": "Please enter your first name.","doNotTrack": true},"last_name" : {"label" : "Last Name:","type": "text","required": true,"placeholder" : "Last","invalidMsg": "Please enter your last name.","doNotTrack": true},"address_label" : {"type": "html","content" : "

What is your current street address and ZIP?

"},"address" : {"label" : "Street Address:","description" : "","type": "text","required": true,"placeholder" : "Street Address","invalidMsg": "Please provide your current street address.","doNotTrack": true},"zip" : {"label" : "ZIP Code:","type": "text","required": true,"placeholder" : "ZIP Code","attr": "size=\"5\" maxlength=\"5\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid 5-digit ZIP code."},"time_at_current_address" : {"label": "How long have you lived at this address?","type" : "radio","required" : true,"placeholder" : "Select a timeframe…","class" : "field-stacked","options" : [[ "less than 1 year" , "Less than 1 year" ],[ "1 to 2 years" , "1 - 2 Years" ],[ "2 to 5 years" , "2 - 5 Years" ],[ "over 5 years" , "5+ Years" ]]},"phone_full" : {"label" : "What is your phone number?","description" : "Spam calls annoy us, too. We safeguard your number like it’s our own.","type": "tel","required": true,"placeholder" : "()-","invalidMsg": "Please enter a valid phone number.","doNotTrack": true},"vuhlagree_preamble" : {"type": "html","content" : "

By submitting, I acknowledge, consent and agree to the terms listed below.

"},"vuhlagree" : {"type": "html","content" : "

By submitting, I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. Texting terms apply. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.

"},"vuhlagree_checkbox" : {"type": "checkbox","value" : 1,"required": true,"invalidMsg": "Check the box above to continue online. You may alternatively call us at 1-800-884-5560 to move ahead.","label" : "I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United."},"opq" : {"label": "You’re almost there! How would you like to proceed?","type" : "radio","required" : true,"invalidMsg": "Please tell us how you would like to proceed.","options" : [[ "no" , "Request a Call" ],[ "yes" , "Continue Online" ]]},"secure_label" : {"type" : "html","content" : "SECURE FIELD: Protected by 256-bit SSL Encryption"},"gross_income" : {"label": "What's your annual household income?","type" : "radio","required" : true,"placeholder" : "Select your gross household income…","invalidMsg": "Please select the total gross (before taxes) annual income for your household.","options" : [[ '200001', 'Greater than $200,000' ],[ '200000', '$150,000 - $200,000' ],[ '150000', '$100,000 - $150,000' ],[ '100000', '$75,000 - $100,000' ],[ '75000' , '$50,000 - $75,000' ],[ '50000' , '$30,000 - $50,000' ],[ '30000' , 'Less than $30,000' ],]},"bankruptcy" : {"label": "Have you declared bankruptcy in the past 2 years?","type" : "radio","required" : true,"placeholder" : "Select a response…","invalidMsg": "Please select your bankruptcy status.","class" : "field-stacked","options" : [[ 'Never' , 'No' ],[ 'Currently' , 'Yes' ]]},"occupational_status" : {"label": "What is your current employment status?","type" : "radio","required" : true,"placeholder" : "Select your employment status…","invalidMsg": "Please select your current employment status.","class" : "field-stacked","options" : [['Employed', 'Employed'],['Self-Employed' , 'Self-Employed / 1099 Independent Contractor'],['Retired' , 'Retired'],['Not-Employed', 'Not Employed']]},"occupational_industry" : {"label": "In which industry are you employed?","type" : "radio","required" : true,"placeholder" : "Select your employment industry…","invalidMsg": "Please select your current employment industry.","options" : [['Agriculture', 'Agriculture'],['Construction' , 'Construction'],['Education', 'Education' ],['Engineering', 'Engineering' ],['Hospitality', 'Food & Hospitality' ],['Finance', 'Finance' ],['Healthcare' , 'Healthcare' ],['IT' , 'Information Technology' ],['LawEnforcementPublicSafety', 'Law Enforcement / Safety' ],['Transportation', 'Transportation / Logistics' ],['Other', 'Other']]},"marital_status" : {"label": "What is your current marital status?","type" : "radio","required" : true,"placeholder" : "Select your marital status…","invalidMsg": "Please select your current marital status.","options" : [['Married' , 'Married'],['Unmarried' , 'Unmarried'],['Legally Separated' , 'Legally Separated'],['Widowed', 'Widowed'],['Other', 'Other'],['unknown', 'I’d rather not say']]},"has_real_estate_agent" : {"label": "Are you currently working with a real estate agent?","type" : "radio","required" : true,"placeholder" : "Select a response…","invalidMsg": "Please select a response.","class" : "field-stacked","options" : [['no', 'No, I do not have an agent'],['yes' , 'Yes, I have an agent']]},"wants_real_estate_agent" : {"label": "Do you need a real estate agent?","type" : "radio","required" : true,"description" : "Earn up to $1,875* credit at closing when you also work with a Veterans United Realty network agent!","invalidMsg": "Please select a response.","class" : "field-stacked","options" : [['yes' , 'Yes, I need an agent (Recommended)'],['no', 'No, I already have an agent'],['na', 'Skip this question']]},"vur_offer_disclaimer" : {"label": "*Credit amounts vary based on factors including loan amount, restrictions apply.","type" : "hidden"},"cash_out" : {"label" : "Would you like to use your home’s equity to borrow additionalcash?","type": "radio","required": true,"options" : [[ "yes" , "Yes" ],[ "no", "No" ]]},"cash_out_amount" : {"label" : "How much additional cash would you like to take out?","description" : "You may be able to take out as much as $325,000.","type": "number_slider","required": true,"mask": "number","attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","min" : "0","max" : 325000,"step": 500,"value" : "0","onChange": "calcRefiTotalLoanAmount"},"first_time" : {"label" : "Is this your first time buying a home?","type": "radio","required": true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no", "No" ]]},"sell_before_purchase" : {"label" : "Will you sell your current home?","type": "radio","required": true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no", "No" ]]},"renting_end_date_label" : {"type": "html","content" : "

When does your lease end?

"},"renting_end_date_month" : {"label" : "Month:","type": "select","required": true,"placeholder" : "Month","invalidMsg": "Please select a month.","options" : [[ "01" , "01 - January" ],[ "02" , "02 - February" ],[ "03" , "03 - March" ],[ "04" , "04 - April" ],[ "05" , "05 - May" ],[ "06" , "06 - June" ],[ "07" , "07 - July" ],[ "08" , "08 - August" ],[ "09" , "09 - September" ],[ "10" , "10 - October" ],[ "11" , "11 - November" ],[ "12" , "12 - December" ],[ "99" , "Other / No End Date" ]]},"renting_end_date_year" : {"label" : "Year:","type": "select","required": true,"placeholder" : "Year","invalidMsg": "Please select a valid date in the future.","options" : [[ "2024" , "2024" ],[ "2025" , "2025" ],[ "2026" , "2026" ],[ "2027" , "2027" ],[ "2028" , "2028" ],[ "2029" , "2029+" ],[ "9999" , "Other / No End Date" ]]},"current_rent_amount" : {"label": "What is your current monthly rent payment?","type" : "currency","placeholder" : "","required" : true,"attr": "size=\"9\" maxlength=\"9\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid dollar amount.",},"desired_payment" : {"label" : "What is your desired monthly payment?","description" : "Enter a monthly payment, including taxes and insurance, that feels comfortable in your budget. An estimate is fine.","type": "currency","required": true,"placeholder" : "","invalidMsg": "Please enter a valid dollar amount.","attr": "size=\"9\" maxlength=\"9\" pattern=\"[0-9]*\"",},"twilio_phone" : {"label" : "What is your phone number?","type": "tel","required": true,"placeholder" : "()-","invalidMsg": "Please enter a valid phone number.","doNotTrack": true,},"phone_resend_label" : {"type": "html","content" : "Didn't get a code?"},"phone_resend_text" : {"label" : "","type": "radio","class" : "inline-link","required": false,"options" : [[ "text" , "Resend code" ],],"onChange": "resendCodeText",},"phone_resend_call" : {"label" : "","type": "radio","class" : "inline-link","required": false,"options" : [[ "call" , "Call me with a code" ],],"onChange": "resendCodeCall",},"phone_verify_code" : {"label" : "Verification Code","description" : "Please enter the 4-digit code that was sent to you.","type": "text","attr": "inputmode=\"numeric\" autocomplete=\"one-time-code\" maxlength=\"4\" pattern=\"[0-9]*\"","required": true,"placeholder" : '0000',"invalidMsg": "Please enter the code sent.",},"previous_customer" : {"label" : "Have you closed a loan with Veterans United before?","type": "radio","required": true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no" , "No" ],]},"vu_referrer" : {"label" : "How did you hear about VeteransUnited?","type": "radio","required": true,"options" : [[ "friend or family" , "Friend or Family Member" ],[ "real estate agent" , "Real Estate Agent" ],[ "builder" , "My Builder" ],[ "internet search" , "Internet Search" ],[ "online ad" , "Online Advertisem*nt" ],[ "tv or radio" , "TV or Radio Ad" ],[ "direct mail" , "Direct Mail" ],[ "other" , "Other" ]]},"disability_rating" : {"label": "Do you have a disability rating of 10% or higher from theVA?","description" : "Your disability rating may exempt you from the VA Funding Fee, a governmental fee applied to every VA purchase and refinance loan. This fee goes directly to the Department of Veterans Affairs.","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no" , "No" ],[ "unknown" , "I’d rather not say" ]]},"disability_income" : {"label": "Are you currently receiving VADisability Income?","description" : "Your receipt of VAdisability income may help us determine other benefits of your VAloan.","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no" , "No" ],[ "unknown" , "I’d rather not say" ]]},"current_loan_type" : {"label" : "What type of loan is your current mortgage?","type" : "radio","required" : true,"options" : [["Conventional" , "Conventional"],["VA" , "VA"],["FHA" , "FHA"],["USDA" , "USDA"],["none" , "No current mortgage"],["unknown" , "I don’t know"]]},"previous_va_loan" : {"label" : "Have you ever used a VA Loan before?","type" : "radio","required" : true,"class" : "field-stacked","options" : [["yes" , "Yes"],["no" , 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: "radio","value" : 1,"required" : true,"options" : [["1", "Continue"]],},"start_html" : {"type": "html","content" : "

Buying a Home in a New State With a VA Loan (2)

"},"prompt_forward" : {"type": "hidden","value" : "1"},"house_html" : {"type": "html","content" : "

Buying a Home in a New State With a VA Loan (3)

"},"calc_annual_income_label" : { "type" : "html", "content" : "See What You Can Afford" },"vu_branding" : { "type" : "html", "content" : "Buying a Home in a New State With a VA Loan (4)" },'calc_annual_income' : {"label": "What's your annual household income?","description" : "","type" : "number_slider","min" : 10000,"max" : 500000,"value" : "72000","mask" : "number","attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","step" :[[0, 1000],[100000 , 10000]],"invalidMsg": "Please enter a dollar amount.",},"result_html" : {"type": "html","content" : "

Your Quick Estimate:

$

"},},"order": [{"title" : "start-calc","inputs" :["src","curi","wuri","mktast","adg","cmp","desc","gclid","dclid","dnt_flag","fbclid","msclkid","utm_source","utm_medium","utm_campaign","utm_term","utm_content","val_exp","val_cmp","val_lead","fbp","host_name","form_id","frn","ap_token","opq_guid","opq_worthy","opq_version","opq_treatment","lead_partner_lead_id","adid","plc","ss_test_variation","ss_opq_test_variation","json","google_client_id","start_time","refi_ltv","refi_total_loan_amount","vu_agreestovuprivacypolicy","vu_agreestovutermsandconditions","vu_consentstovutcpa","vu_agreestovuautodial","vu_agreestovutexting","vu_agreestosmsterms","vu_agreestovusharingwithaffiliates","vu_agreestotransactioncommunications","vu_agreestolendingpartners","vu_agreestohbcpartneroffers","matchtype","mbsy_source","campaignid","microsoftadsnetworktype","mbsy","vu_agreestoedelivery","mrc_agreestohomeservices","twilio_version","lead_intent","purpose","property_value","house_html","calc_annual_income_label","calc_annual_income",],"nextText" : "Start Calculating",},{"title" : "property-location","inputs" : ["property_search","property_zip","property_state","property_city"]},{"title" : "continue-online","inputs" : ["ny_opq_message"]},{"title" : "property-state","inputs" : ["property_state_select"]},{"title" : "texas-cashout","inputs" : ["tx_cashout_message"]},{"title" : "result-slide","inputs" :["result_html","living_situation",],},{"title" : "military-branch","inputs" : ["military_branch"]},{"title" : "active-duty","inputs" : ["military_status"]},{"title" : "pcs-orders","inputs" : ["pcs"],},{"title" : "refi-goals","inputs" : ["refi_reason"]},{"title" : "first-time","inputs" : ["first_time"]},{"title" : "property-type","inputs" : ["property_type"]},{"title" : "manufactured-property","inputs" : ["manufactured_own"]},{"title" : "property-use","inputs" : ["property_use"]},{"title" : "where-in-process","inputs" : ["vu_whereprocess"]},{"title" : "timeframe","inputs" : ["when_loan"]},{"title" : "timeframe-reason","inputs" : ["preventing_loan"]},{"title" : "sell-home","inputs" : ["sell_before_purchase"]},{"title" : "current-loan","inputs" : ["current_loan_type"]},{"title" : "mortgage-balance","inputs" : ["balance"]},{"title" : "interest-rate","inputs" : ["current_rate"]},{"title" : "refi-continue","inputs" : ["refi_ltv_message"],"nextText" : "Yes, continue"},{"title" : "cash-out-amount","inputs": ["cash_out_amount"],"after" : "

Maximum cashout amount based on the home value and mortgage balance information you supplied. Not guaranteed until locked in by your Loan Officer.

"},{"title" : "credit-rating","inputs" : ["credit_rating"]},{"title" : "employment","inputs" : ["occupational_status"]},{"title" : "income","inputs" : ["gross_income"]},{"title" : "bankruptcy","inputs" : ["bankruptcy"]},{"title" : "property-state","inputs" : ["civilian_property_state_select"]},{"title" : "three-percent-down","inputs" : ["three_percent_down"]},{"title" : "down-payment","inputs" : ["down_payment"]},{"title" : "down-payment-notice","inputs" : ["down_payment_notice",],},{"title" : "down-payment-notice-nb","inputs" : ["down_payment_notice_nb",],},{"title" : "paddio","inputs" : ["paddio",],"after" : "

Paddio has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.

"},{"title" : "neighbors-bank","inputs" : ["neighbors",],"after" : "

Neighbors Bank has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.

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    ').appendTo('#' + form_id + '_prop_search_results_box');}var autocomplete_results = autocomplete.find('.fmcty-autocomplete-results');if (value.length < 2) {prop_zip.val('').trigger('change');prop_city.val('').trigger('change');prop_state.val('').trigger('change');result_display.val('');section.removeClass('mrc-zip-complete').find('.fmcty-ajax-result-description').remove();prop_search.attr('aria-expanded', 'false');return;}section.addClass('fmcty-section-waiting mrc-section-waiting');Fmcty.fn.callLocationLookupService(value,function(result) {if (typeof result.data !== 'undefined') {autocomplete_results.html('');for (var i = 0; i < result.data.length; i++) {if (result.data[i].PLACENAME) {var autocomplete_item = "",autocomplete_id = "";if (result.data[i].type === 'zip') {autocomplete_item = result.data[i].ZIPCODE+", ";autocomplete_id = result.data[i].ZIPCODE;} else {autocomplete_id = result.data[i].CityStateKey;}if (result.data[i].PLACENAME) {autocomplete_item += result.data[i].PLACENAME+', ';}if (result.data[i].STATEABBV) {autocomplete_item += result.data[i].STATEABBV;}autocomplete_results.append('

  • '+autocomplete_item+'
  • ');}}location = result.data[0];section.find('#prop_search_aria_update').text(result.data.length + ' location results');section.removeClass('fmcty-section-waiting mrc-section-waiting').addClass('mrc-zip-complete');prop_search.closest('.fmcty-field').addClass('fmcty-field-focused');prop_search.attr('aria-expanded', 'true');section.find('.fmcty-field-validation').remove();location_display = "";if (location.PLACENAME) {location_display += location.PLACENAME+", ";prop_city.val(location.PLACENAME).trigger('change');} else {prop_city.val('').trigger('change');}if (location.STATEABBV) {location_display += location.STATEABBV;prop_state.val(location.STATEABBV).trigger('change');} else {prop_state.val('').trigger('change');}if (location.ZIPCODE) {prop_zip.val(location.ZIPCODE).trigger('change');} else {prop_zip.val('').trigger('change');}if (location.type === "zip") {location_display = location.ZIPCODE+", " + location_display;}var location_display_partial = location_display.slice(0, value.length),value_regex = new RegExp(value.replace(/[\.\-\d\w\s]+/g, '$&'), 'i'),location_regex = new RegExp(location_display_partial.replace(/[\.\-\d\w\s]+/g, '$&'), 'i'),location_result = location_regex.test(value_regex);if (location_result) {location_display = value + location_display.slice(value.length);} else {location_display = "";}result_display.val(location_display);} else {section.removeClass('fmcty-section-waiting mrc-section-waiting').removeClass('mrc-zip-complete');prop_search.attr('aria-expanded', 'false');section.find('#prop_search_aria_update').text('');prop_zip.val('').trigger('change');prop_city.val('').trigger('change');prop_state.val('').trigger('change');result_display.val('');section.find('.fmcty-ajax-result-description').remove();}},function(result) {if (result.statusText && result.statusText === "error") {section.removeClass('fmcty-section-waiting mrc-section-waiting').removeClass('mrc-zip-complete');prop_search.attr('aria-expanded', 'false');prop_state.val('fail').trigger('change');section.find('.fmcty-ajax-result-description').remove();} else {prop_zip.val('').trigger('change');prop_city.val('').trigger('change');prop_state.val('').trigger('change');result_display.val('');}});};Fmcty.fn.setPropertyState = function(Fmcty,input,value,values,event) {var form;if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */form= Fmcty.form;value = Fmcty.value;} else {form = input.closest('.fmcty-form');}form.find('input[name="property_state"]').val(value).trigger('change');form.find('input[name="property_city"]').val('').trigger('change');};if (Fmcty.values) {var prop_search_val = "";if (Fmcty.values.property_zip) {prop_search_val = Fmcty.values.property_zip;if (Fmcty.values.property_city) {prop_search_val += ", ";}}if (Fmcty.values.property_city) {prop_search_val += Fmcty.values.property_city;if (Fmcty.values.property_state) {prop_search_val += ", " + Fmcty.values.property_state;}}Fmcty.values.property_search = prop_search_val;}Fmcty.fn.calcRefiLtv = function(data){Fmcty.fn.calcRefiTotalLoanAmount(data);if (!data.values.home_value || !data.values.balance || data.values.home_value == 0) {return;}var homeVal = parseInt(data.values.home_value),balance = parseInt(data.values.balance),ltv = Math.round(balance / homeVal * 100),cashOutMax = Math.round((homeVal * .9 ) - balance);if (cashOutMax > 325000){cashOutMax = 325000;} else if (cashOutMax < 0){cashOutMax = 0;}Fmcty.var.cashOutMax = cashOutMax;if (data.values.cash_out_amount > cashOutMax) {data.form.find('[name="cash_out_amount"]').val(cashOutMax).trigger('change');}data.form.find('[name="refi_ltv"]').val(ltv).trigger('change');data.form.find('.fmcty_max_cash_out').text(String(cashOutMax).replace(/(.)(?=(\d{3})+$)/g,'$1,'));};Fmcty.fn.calcRefiTotalLoanAmount = function(data){var balance = parseInt(data.values.balance) || 0,cashout = parseInt(data.values.cash_out_amount) || 0;data.form.find('[name="refi_total_loan_amount"]').val(balance + cashout).trigger('change');};Fmcty.fn.txCashout = function(data){data.form.find('input[name="refi_reason"]').prop('checked',false).trigger('change').filter('[value="rate"]').prop('checked',true).trigger('change');};Fmcty.fn.submitFn = function(data){var response = data;if (data.response) {response = data.response; /* Fmcty 2.0 conversion */}if (data.values) {Fmcty.fn.recordLeadFeed(data.values);}if (response && response.return_url) {window.location = response.return_url;}};Fmcty.fn.recordLeadFeed = function(values){if (values && values.first_name && values.property_city){var badNames = ["test","f*ck","f*cker","sh*t","bitch","nigg*r","no","none"];if(jQuery.inArray(values.first_name.toLowerCase(), badNames) === -1) {$.ajax({type: "POST",url: "https://webhook.proofapi.com/cw/s8PWk6DsvxQ1kIlMHomPRJK4BRE2/-M78Glw6aeb1hgoWfTvm",dataType: "json",data: {"type" : "custom","first_name" : values.first_name,"email" : values.first_name+values.zip+Math.floor((Math.random() * 1000) + 1)+"@example.com","city": values.property_city,"state": values.property_state,"country": "United States",},success: function(response) {},error: function(response) {},});}}};Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRngCookie = function(data){var cookieName = "rngFormData";var lifetime =30;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRngFormValues = function(data){var values = data.values;var cookie = Fmcty.fn.checkRngCookie('rngFormData');var rngData = {};rngData.cookieTimeStamp = new Date();rngData.currentField = $(data.section).attr('data-fmcty-section');var session = Fmcty.fn.newSession(values);rngData.progress = [];if (typeof cookie !== 'undefined') {rngData.refreshCount = cookie.refreshCount;if(typeof cookie.progress !== 'undefined') {rngData.progress = cookie.progress;}} else {rngData.refreshCount = 0;}if(window.sessionStorage.isNewSession != 'false' || typeof window.sessionStorage.inNewSession === 'undefined') {rngData.progress.push(JSON.parse(session));}$.each(values,function(key,value){if ($.inArray(key,Fmcty.rngFields) !== -1){rngData[key] = value;}});Fmcty.fn.createRngCookie(rngData);};Fmcty.fn.deleteRngValues = function() {var cookieName = "rngFormData";Fmcty.fn.createCookie(cookieName,"",-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = "; expires="+date.toGMTString();}else var expires = "";document.cookie = name+"="+value+expires+"; path=/";};Fmcty.fn.checkRngCookie = function(name) {const value = `; ${document.cookie}`;const parts = value.split(`; ${name}=`);if (parts.length === 2) return $.parseJSON(atob(parts.pop().split(';').shift()));};Fmcty.fn.newSession = function(data) {window.sessionStorage.isNewSession = false; var date = new Date();var nextSection = Fmcty.fn.findNextSection(Object.keys(data));return '{"timestamp":"'+date.toLocaleString().replace(/[^ -~]/g,'')+'", "nextSection":"'+nextSection+'", "src":"'+data.src+'", "cmp":"'+data.cmp+'"}';};Fmcty.fn.findNextSection = function(prefilledFields) {var form = $('#calc_inline_afford');var fieldClasses = prefilledFields.map(function(field) {return '.field-' + field;});fieldClasses.push('.fmcty-field-hidden, .fmcty-field-hidden-input:not(.field-ny_opq_message), .fmcty-field-html, .fmcty-field-submit, .fmcty-field-next, .fmcty-field-prev');var nextSection = form.find('.fmcty-field').not(fieldClasses.join(', ')).first().closest('.fmcty-section');return nextSection.parent().children().index(nextSection) + 1;};addEventListener('beforeunload', (event) => {var data = Fmcty.fn.checkRngCookie('rngFormData');if(!data) {} else {data.refreshCount++;Fmcty.fn.createRngCookie(data);}});Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRldCookie = function(data){var cookieName = "rldFormData";var lifetime =1;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRldFormValues = function(data){var values = data.values;var rldData = {};rldData.cookieTimeStamp = new Date();rldData.currentField = $(data.section).attr('data-fmcty-section');$.each(values,function(key,value){if ($.inArray(key,Fmcty.rldFields) !== -1){rldData[key] = value;}});Fmcty.fn.createRldCookie(rldData);};Fmcty.fn.deleteRldValues = function() {var cookieName = "rldFormData";Fmcty.fn.createCookie(cookieName,"",-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = "; expires="+date.toGMTString();}else var expires = "";document.cookie = name+"="+value+expires+"; path=/";};Fmcty.fn.setBindings = function(form_var){form_var.on("fmcty:next fmcty:prev",function(e,data){var scrollTop = $(document).scrollTop(),formTop = $('#calc_inline_afford').offset().top;if ( scrollTop > formTop ) {$("html, body").animate({scrollTop:formTop},500)}});form_var.on("fmcty:next",function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== 'undefined') {ga('vuhlga.send', {hitType: 'event',eventCategory: 'Formocity: #calc_inline_afford',eventAction: 'Advance To Section',eventLabel: $(elem).data('fmctySection')});}});form_var.on("fmcty:prev",function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== 'undefined') {ga('vuhlga.send', {hitType: 'event',eventCategory: 'Formocity: #calc_inline_afford',eventAction: 'Back To Section',eventLabel: $(elem).data('fmctySection')});}});form_var.on("fmcty:change",function(e,data){if (window.dataLayer && data && data.input_name && ( data.input_name === "property_value" || data.input_name === "home_value" ) ) {var adValue = parseInt(data.value) / 1000;window.dataLayer.push({event : "adValue",adValue : adValue});}});form_var.on("fmcty:submit",function(e,data){var values;if (data.values) {values = data.values;} else {values = data;}if (typeof ga !== 'undefined') {ga('vuhlga.send', {hitType: 'event',eventCategory: 'Formocity: #calc_inline_afford',eventAction: 'Submit',eventLabel: values.plc + ' ~ ' + values.purpose});}if (window.dataLayer) {if ( ! ( parseInt(values.property_value) < 100000 || parseInt(values.home_value) < 100000 ) && values.credit_rating !== "Poor" && values.credit_rating !== "unknown" ) {window.dataLayer.push({event : "pkTrueSubmit"});}}});Fmcty.fn.setFrn = function(data){var frnEl;if (data.form){frnEl = $(data.form).find("input[name='frn']");} else {frnEl = $("input[name='frn']");}var frnVal = frnEl.val();if ( !frnVal ){frnEl.val((Math.random() * 100).toFixed(2)).trigger('change');}};form_var.on('fmcty:ready', Fmcty.fn.setFrn);form_var.on('fmcty:ready',function(){function check_ga() {if (typeof ga === 'function') {ga(function() {var tracker = ga.getByName('vuhlga');var client_id = tracker.get('clientId');$("input[name='google_client_id']").val(client_id).trigger('change');});} else {setTimeout(check_ga,500);}}check_ga();});var currStepNum, nextStepNum, prevStepNum, currStep, nextStep, prevStep, progBar, progWrapper;currStepNum = 0;progBar = $('#fmcty-progress-bar-container .progress-bar');progWrapper = $('#fmcty-progress-bar-container');var stepOneCopy = ("Enter your city to check your buying power");var stepTwoCopy = ("Low: More details required");var stepThreeCopy = ("Fair: Share your homebuying goals");var stepFourCopy = ("Good: Estimate accuracy is improving");var stepFiveCopy = ("Strong: Preparing your estimate");var stepSixCopy = ("Completed: Get your quote today");descriptionText = $('.descriptionText');function checker(data) {var service, servicePartTwo, property, propertyPartTwo, eligiblity, eligibilityPartTwo, details, final, finalQuestion, currSlide;var currSlide = $(data.section).attr("data-fmcty-section"); service = ["property-location",];servicePartTwo = ["result-slide","military-branch","active-duty","pcs-orders","first-time",];property = ["property-value","home-value","mortgage-balance","interest-rate","cash-out-amount","property-type","property-use","living_situation","where-in-process",];propertyPartTwo = ["timeframe","current-home","rent-payment","lease-end","first-time","sell-home",];eligibility = ["credit-rating","employment","income","previous-va",];eligibilityPartTwo = ["bankruptcy",];details = ["email","name",];final =["current-address","time-at-current-address",];finalQuestion =["phone",];if($.inArray(currSlide,service)>=0){currStepNum = 1;progBar.width(5+'%');$('.descriptionText span').html(stepOneCopy);} else if($.inArray(currSlide,servicePartTwo)>=0){currStepNum = 2;progBar.width(15+'%');$('.descriptionText span').html(stepTwoCopy);} else if($.inArray(currSlide,property)>=0){currStepNum = 3;progBar.width(28+'%');$('.descriptionText span').html(stepThreeCopy);} else if($.inArray(currSlide,propertyPartTwo)>=0){currStepNum = 4;progBar.width(41+'%');$('.descriptionText span').html(stepThreeCopy);} else if($.inArray(currSlide,eligibility)>=0){currStepNum = 5;progBar.width(63+'%');$('.descriptionText span').html(stepFourCopy);} else if($.inArray(currSlide,eligibilityPartTwo)>=0){currStepNum = 6;progBar.width(75+'%');$('.descriptionText span').html(stepFourCopy);} else if($.inArray(currSlide,details)>=0){currStepNum = 7;progBar.width(85+'%');$('.descriptionText span').html(stepFiveCopy);}else if($.inArray(currSlide,final)>=0){currStepNum = 8;progBar.width(95+'%');$('.descriptionText span').html(stepFiveCopy);}else if($.inArray(currSlide,finalQuestion)>=0){currStepNum = 9;progBar.width(100+'%');$('.descriptionText span').html(stepSixCopy);};currStepNum = currStepNum;nextStepNum = (currStepNum + 1);prevStepNum = (currStepNum - 1);currentStep = $('.fmcty-progress-icon.step-' + currStepNum);prevStep = $('.fmcty-progress-icon.step-' + prevStepNum);nextStep = $('.fmcty-progress-icon.step-' + nextStepNum);};form_var.on('fmcty:ready', function(e, data) {form_var.on('fmcty:progress_updated', function(e, data) {if (data.container.find('.fmcty-section-first.fmcty-section-active').length > 0) {progWrapper.removeClass('fmcty-progress-bar-active');descriptionText.hide();} else {progWrapper.addClass('fmcty-progress-bar-active');descriptionText.show();}});});form_var.on('fmcty:next', function(e, data) {checker(data);$('#fmcty-progress-bar-container').removeClass('step-' + currStepNum).addClass('step-' + currStepNum);currentStep.addClass('active');prevStep.removeClass('active').addClass('valid');progWrapper.removeAttr('class').addClass('step-' + currStepNum).data('fmcty-progress', currStepNum);});form_var.on('fmcty:prev', function(e, data) {checker(data);$('#fmcty-progress-bar-container').removeClass('step-' + currStepNum).addClass('step-' + (prevStepNum));currentStep.addClass('active').removeClass('valid');nextStep.removeClass('valid, active');progWrapper.removeAttr('class').addClass('step-' + currStepNum).data('fmcty-progress', currStepNum);});form_var.on("fmcty:progress_updated",function(e,data){if (data.progress.currentStep > 1) {$('body').addClass('form-started form-engaged');data.container.addClass('fmcty-started fmcty-engaged');} else {$('body').removeClass('form-started');data.container.removeClass('fmcty-started');}});form_var.on('fmcty:section_complete', function(e, data){if (data.section.attr('data-fmcty-section') == 'email'){if(Fmcty.calc_inline_afford) {var values = Fmcty.calc_inline_afford.values;$.post("/v3/marketo_partial.php", values);}}});var plc = form_var.data('fmctyPlc');if (plc && window.calcInlineAffordConfig && window.calcInlineAffordConfig.inputs && window.calcInlineAffordConfig.inputs.plc) {window.calcInlineAffordConfig.inputs.plc.value = plc;}form_var.on('fmcty:ready',function(e,data) {var autocomplete_click = false;function autoAdvanceSection (section) {var hasAutoAdvance = !(section.data('fmcty-auto-advance') === false);if (hasAutoAdvance) {Fmcty['calc_inline_afford'].next();}}form_var.find('[name="property_search"]').not('[type="hidden"]').closest('.fmcty-field').append('

    When autocomplete results are available use up and down arrows to review and enter to select.

    ' );form_var.on('click','.fmcty-autocomplete-result',function(e) {e.preventDefault();var link= $(this),section = link.closest('.fmcty-section'),hint= section.find('.fmcty-autocomplete-placeholder'),prop_search = section.find('input[name="property_search"]'),prop_zip= section.find('input[name="property_zip"]'),prop_state= section.find('input[name="property_state"]'),prop_city = section.find('input[name="property_city"]');prop_zip.val(link.data('zip')).trigger('change');prop_city.val(link.data('city')).trigger('change');prop_state.val(link.data('state')).trigger('change');prop_search.val(link.text());hint.val(link.text());section.find('#prop_search_aria_update').text(hint.val() + ' selected');section.removeClass('mrc-zip-complete');prop_search.attr('aria-expanded', 'false');if ( '' == 'standard' ) {prop_search.focus().closest('.fmcty-field').removeClass('fmcty-field-focused');} else {autoAdvanceSection(section);}}).on('mousedown','.fmcty-autocomplete-result', function(e) {autocomplete_click = true;});form_var.find('[name="property_search"]').not('[type="hidden"]').wrap('

    ').on('focus',function(e){var link = $(this),section = link.closest('.fmcty-section');link.closest('.fmcty-field').addClass('fmcty-field-focused');if (section.hasClass('mrc-zip-complete')) {prop_search.attr('aria-expanded', 'true');}}).on('blur',function(e){var link= $(this),section = link.closest('.fmcty-section'),prop_search = section.find('input[name="property_search"]');if(autocomplete_click) {autocomplete_click = false;form_var.on('mouseup', function() {$(link).closest('.fmcty-field').removeClass('fmcty-field-focused');prop_search.attr('aria-expanded', 'false');$(this).off('mouseup');});} else {$(link).closest('.fmcty-field').removeClass('fmcty-field-focused');prop_search.attr('aria-expanded', 'false');}}).on('keydown',function(e){if(e.which === 13) {e.preventDefault();e.stopImmediatePropagation();}}).on('keyup',function(e) {var input = $(this),section = input.closest('.fmcty-section');hint= section.find('.fmcty-autocomplete-placeholder'),prop_field= section.find('.field-property_search'),prop_search = section.find('input[name="property_search"]');var results = $('.fmcty-autocomplete-result');section.find('.fmcty-autocomplete-placeholder').val('');switch(e.which) {case 9:break;case 13:section.removeClass('mrc-zip-complete');section.find('#prop_search_aria_update').text(hint.val() + ' selected');if ( '' == 'standard' ) {prop_search.focus().closest('.fmcty-field').removeClass('fmcty-field-focused');} else {autoAdvanceSection(section);}break;case 16:case 37:case 38:case 39:case 40:break;default:Fmcty.fn.locationLookup({"event": e,"input": input,"value": input.val(),"form_id": data.form_id,});break;}if (results.length && prop_field.hasClass('fmcty-field-focused') && section.hasClass('mrc-zip-complete') ) {var selected_result = results.filter('.hover');results.removeClass('hover').attr('aria-selected', 'false');prop_search.removeAttr('aria-activedescendant');if (e.which === 38 || e.which === 40) {var hint= section.find('.fmcty-autocomplete-placeholder'),prop_zip= section.find('input[name="property_zip"]'),prop_state= section.find('input[name="property_state"]'),prop_city = section.find('input[name="property_city"]');switch(e.which) {case 38:if (selected_result.length && selected_result.prev().length) {selected_result = selected_result.prev().addClass('hover').attr('aria-selected', 'true');prop_search.attr('aria-activedescendant', selected_result.attr('id'));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data('zip')).trigger('change');prop_city.val(selected_result.data('city')).trigger('change');prop_state.val(selected_result.data('state')).trigger('change');} else {prop_search.removeAttr('aria-activedescendant');}break;case 40:if (! selected_result.length) {selected_result = results.first().addClass('hover').attr('aria-selected', 'true');} else if (selected_result.next().length) {selected_result = selected_result.next().addClass('hover').attr('aria-selected', 'true');} else {selected_result = results.last().addClass('hover').attr('aria-selected', 'true');}prop_search.attr('aria-activedescendant', selected_result.attr('id'));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data('zip')).trigger('change');prop_city.val(selected_result.data('city')).trigger('change');prop_state.val(selected_result.data('state')).trigger('change');break;}}}});});form_var.on('fmcty:ready', function() {function check_ap() {if (typeof window.activeProspectCert !== 'undefined') {$("input[name='ap_token']").val(window.activeProspectCert).trigger('change');} else {if(typeof loadTrustedForm == 'function') {loadTrustedForm();setTimeout(check_ap,1000);}}}check_ap();});form_var.on("fmcty:section_complete", function(e,data) {if(data.section.attr("data-fmcty-section") == "current-home") {if(data.values.living_situation == "rent") {calc_inline_afford.find('[name="purpose"][value="P"]').prop('checked', true).trigger('change');}};});};Fmcty.fn.setBindings(calc_inline_afford);populateAddresses = function (result) {var input = $('input[name="property_search_2"]');var section = input.closest('.fmcty-section');var prop_search = section.find('input[name="property_search_2"]');var prop_rupid = section.find('input[name="property_rupid"]');var autocomplete = section.find('.fmcty-autocomplete');var autocomplete_results = autocomplete.find('.fmcty-autocomplete-results');var placeholder = $('.fmcty-autocomplete-placeholder');if (typeof result.content !== 'undefined') {autocomplete_results.html("");placeholder.html("");section.find("#prop_search_aria_update").text(result.content.length + " location results");section.removeClass("fmcty-section-waiting mrc-section-waiting").addClass("mrc-zip-complete");section.find(".fmcty-field-validation").remove();if (result.content.length > 0) {for (var i = 0; i < result.content.length; i++) {var autocomplete_item = result.content[i].full_address,autocomplete_id = "";autocomplete_results.append('

  • ' + autocomplete_item + '
  • ');}} else {autocomplete_results.append('

  • Sorry, no results found
  • ');}} else {section.removeClass("fmcty-section-waiting mrc-section-waiting").removeClass("mrc-zip-complete");prop_search.attr("aria-expanded", "false");section.find("#prop_search_aria_update").text("");prop_rupid.val("").trigger("change");section.find(".fmcty-ajax-result-description").remove();}$('body').on('click', '.fmcty-autocomplete-result', function (e) {e.preventDefault();var link = $(this);var prop_address = section.find('input[name="address"]');var prop_rupid = section.find('input[name="property_rupid"]');prop_rupid.val(link.data('rupid')).trigger('change');prop_address.val(link.data('address')).trigger('change');placeholder.val('');});$('[name="property_search_2"]').not('[type="hidden"]').on('keyup', function (e) {var input = $(this),section = input.closest('.fmcty-section'),placeholder = $('.fmcty-autocomplete-placeholder'),results = $('.fmcty-autocomplete-results a');if (results.length) {var selected_result = results.filter('.hover');if (e.which === 38 || e.which === 39 || e.which === 40) {var prop_rupid = section.find('input[name="property_rupid"]'),prop_zip = section.find('input[name="zip"]'),prop_state = section.find('input[name="property_state_2"]'),prop_city = section.find('input[name="property_city_2"]'),prop_address = section.find('input[name="address"]');switch (e.which) {case 38: if (selected_result.length && selected_result.parent().prev().children('a').length) {prop_rupid.val(selected_result.data('rupid')).trigger('change');prop_address.val(selected_result.data('address')).trigger('change');}placeholder.val('');break;case 39: input.val(result.content[0].full_address.toUpperCase()).trigger('change');prop_zip.val(result.content[0].zip).trigger('change');prop_city.val(result.content[0].city).trigger('change');prop_address.val(result.content[0].street_address).trigger('change');prop_state.val(result.content[0].state).trigger('change');prop_rupid.val(result.content[0].rupid).trigger('change');placeholder.val('');break;case 40: prop_address.val(selected_result.data('address')).trigger('change');prop_rupid.val(selected_result.data('rupid')).trigger('change');placeholder.val('');break;}}}});};calc_inline_afford.on('fmcty:next fmcty:prev',function(e,elem) {var slide = $(elem.section[0]);if ( slide.is('li[data-fmcty-section="start-calc"]') ) {$('.fmcty-progress-bar-wrapper.fmcty-progress-bar-active').css('opacity', '0');};if ( slide.is('li[data-fmcty-section="property-location"]') ) {$('.fmcty-progress-bar-wrapper.fmcty-progress-bar-active').css('opacity', '1');}if ( slide.is('li[data-fmcty-section="property-location"]') ) {Fmcty.fn.afford_calculate();}});Fmcty.fn.makeCalc = function() { Fmcty.fn.calc = new Affordability(); Fmcty.fn.afford_calculate();return Fmcty.fn.calc;};Fmcty.fn.afford_calculate = function() {var calc = Fmcty.fn.calc; if (!calc) return false; var values = Fmcty['calc_inline_afford'].values; var prop_value_field = $('#calc_inline_afford').find('input[name="property_value"]');calc.set('annualIncome', (values['calc_annual_income'] * 0.28)); calc.set('monthlyDebts', 0); calc.set('downPaymentPercent', 0); calc.set('loanTermInYears', 30); calc.set('propertyTaxRate', 1.2); calc.set('insuranceRate', 0.035); calc.set('fundingFeeRate', 2.3); calc.set('recommendedIncomeRatio', 1); calc.set('vaDisabled', false); calc.set('vaPreviousUse', false); calc.set('militaryStatus', 'regular'); calc.set('loanType', "p"); calc.set('interestRate', 7.125);var results = calc.calculate();var purchasePrice = calc.formatCurrency(Math.floor(results.purchasePrice), 0);$('#afford-result').html(purchasePrice);prop_value_field.val(Math.floor(results.purchasePrice)).trigger('change');};calc_inline_afford.on('fmcty:ready',function(e,data) {$('#house_animaton').css('opacity', '1');Fmcty.fn.makeCalc();});calc_inline_afford.formocity(window.calcInlineAffordConfig);});

    How is this page expert reviewed?

    At Veterans United, we're committed to providing only the most reliable and helpful information to our readers. Experts and editors rigorously assess each article to ensure its accuracy and relevance. By leveraging the latest data, including internal guidelines, homebuyer surveys, and insights from military advisors, our articles are designed to help you make informed decisions in an ever-changing market.

    Buying a Home in a New State With a VA Loan (2024)

    FAQs

    Buying a Home in a New State With a VA Loan? ›

    Can a VA loan be used in another state? Yes, it is possible to use your VA home loan and buy a house in a different state. You must still follow VA occupancy requirements by living in the home as your primary residence and moving into the home within 60 days of closing.

    How does VA verify primary residence? ›

    During the VA loan application process – and when you close on your home purchase – you'll be required to sign VA Form 26-1820 and VA Form 26-1802a. These two documents indicate that you, as the home buyer, intend to personally reside in the house as your primary residence and use the property as your main address.

    Can I use my VA home loan anywhere? ›

    VA loans can only be used to buy properties within the United States or U.S. territories. If you are stationed overseas, you can still use a VA loan. But the property you buy must be located in the U.S. or one of its territories.

    Why do sellers refuse VA loans? ›

    In most cases, the refusal of the seller to offer VA financing stems from the listing agent making possible false comments to the seller, or creating a cost fear for the seller, stating “…it will cost you more if the buyer uses their VA eligibility…” or say “it will require you to make certain repairs…”

    What's the minimum credit score for a VA loan? ›

    The VA doesn't set a minimum credit score for VA loans at the program level. Instead, the VA relies on lenders to ensure borrowers are a satisfactory credit risk. VA lenders typically require a FICO score of at least 620. High loan amounts, such as those exceeding $1 million, may require a higher credit score.

    How does VA loan verify income? ›

    Acceptable verification consists of VA Form 26-8497, Request for Verification of Employment (VOE) or any format which furnishes the same information as VA Form 26-8497, plus: paystub(s) covering the most recent 30-day period with year-to-date information, if the employer normally provides a pay stub(s) to the borrower.

    Why would a home not be VA approved? ›

    A home will fail the VA appraisal if it does not meet VA Minimum Property Requirements (MPRs). To be eligible for VA financing, a property must meet MPRs. These requirements help make sure the home is not only safe, but move-in ready for the Veteran.

    Who pays closing costs on a VA loan? ›

    Who pays closing costs on a VA loan? The buyer is typically responsible for paying for things like the VA funding fee, loan origination fee and more. However, the seller might be able to contribute; they can pay closing costs up to 4 percent of the total home loan price.

    What are the disadvantages of a VA loan? ›

    What are some of the disadvantages of a VA loan?
    • You will be required to pay VA funding fees. ...
    • Consider the total cost of loan compared to total cost of house. ...
    • Manufactured homes may require a minimum down payment and may not be eligible for a 30-year term.
    • You cannot use a VA loan for rental properties.

    What can't you buy with a VA loan? ›

    You can't purchase or build a vacation home or a purely investment property with a VA loan. New construction is possible, but veterans can't simply purchase a plot of land with the intent to build a home some day. You also can't use this as a business loan. Again, the focus is on primary residences.

    How often do VA loans get denied? ›

    How Often Do Underwriters Deny VA Loans? About 15% of VA loan applications get denied, so if your's isn't approved, you're not alone. If you're denied during the automated underwriting stage, you may be able to seek approval through manual underwriting.

    Why don't people like VA loans? ›

    The fictitious reason why realtors don't like VA loans

    They often wrongly presume that deals with VA loan buyers are riskier, cost more, and are more challenging to close than other types of loans. Some of them even believe that the home sellers will have to pay for the buyer's closing costs.

    Do sellers look down on VA loans? ›

    Some sellers reject VA loans because of that inspection, assuming it'll complicate the sale. But, sellers don't necessarily need to pay for any required repairs themselves, Wemert points out. In many cases, VA buyers might be willing to cover the cost.

    Can I get a VA home loan with a 480 credit score? ›

    The VA doesn't have a minimum credit score requirement. Instead, lenders can set their own requirements. At Rocket Mortgage, the minimum qualifying credit score is 580. Keep in mind, you can qualify for more favorable terms with a higher score.

    Can you get a VA home loan with a 550 credit score? ›

    Key Takeaways. No Minimum Credit Score – The VA loan program does not enforce a minimum credit score, focusing instead on the overall loan profile. Private Lenders' Role – Private lenders will likely have minimum credit score requirements, typically that will range between 580-620, which can affect loan terms.

    Can I get a VA home loan with a 500 credit score? ›

    The VA itself does not set a credit score minimum to qualify for a loan. Ideally, on a VA loan, home buyers will want to have achieved a credit score of 580 or higher, although this varies from lender to lender.

    Can you use VA loan for non primary residence? ›

    Timing is Everything: Occupancy Requirement

    Occupancy is the first hurdle. The U.S. Department of Veterans Affairs requires that when you apply for a VA loan guarantee, it must be for the residence that will be your primary home.

    Can I rent out my primary residence VA? ›

    Can I rent out my VA loan home after a year? According to VA occupancy requirements, the buyer must occupy the residence within 60 days and use it as their primary residence. Generally, homeowners are expected to occupy the property for at least 12 months. After a year, it is permitted to rent out the home.

    What is VA enrollment verification? ›

    Enrollment verification is a requirement for Post-9/11 GI Bill® (Chapter 33) students to verify every month that you are still enrolled in the same courses or training that your school certified to VA. It's not about verifying that you are attending classes, but whether your certified enrollment has changed.

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