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.
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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" : "
![How to Improve Credit Score for a Mortgage (2)](https://i0.wp.com/www.veteransunited.com/\"/assets/v4/images/lp/affordability/slide-1.png\"/ "How to Improve Credit Score for a Mortgage (2)")
"},"prompt_forward" : {"type": "hidden","value" : "1"},"house_html" : {"type": "html","content" : "
![How to Improve Credit Score for a Mortgage (3)](https://i0.wp.com/www.veteransunited.com/\"/assets/v5/images/illo/home-scene.svg\" "How to Improve Credit Score for a Mortgage (3)")
"},"calc_annual_income_label" : { "type" : "html", "content" : "See What You Can Afford" },"vu_branding" : { "type" : "html", "content" : "![How to Improve Credit Score for a Mortgage (4)](https://i0.wp.com/www.veteransunited.com/\"/assets/v4/images/brand/logo-veterans-united-home-loans.png\" "How to Improve Credit Score for a Mortgage (4)"){kind=logo}
" },'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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Fmcty[form_id].phoneCheckInProgress){Fmcty[form_id].phoneCheckInProgress = true;$.ajax({url: "/ajax/twilio_phone_lookup.php?phone=" + phoneValue,dataType: 'json',success: function(res){if(res.carrier_type != 'invalid'){Fmcty[form_id].verifiedCarrierType = res.carrier_type;Fmcty[form_id].verifiedPhone = phoneValue;data.form.find('input[name="phone_full"]').val(data.values.twilio_phone).trigger('change');Fmcty.fn.sendVerification(data);} else {data.input.invalid();}data.input.closest('.fmcty-section').removeClass('fmcty-section-waiting');Fmcty[form_id].phoneCheckInProgress = false;},error: function(res){data.input.closest('.fmcty-section').removeClass('fmcty-section-waiting');data.input.invalid();}});} else {setTimeout(function() {data.input.closest('.fmcty-section').removeClass('fmcty-section-waiting');data.input.invalid();},1);}};};Fmcty.fn.resendCodeText = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.resendCodeCall = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.showOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest('.fmcty-form').find('.fmcty-section[data-fmcty-section="phone"] .fmcty-submit').html('Continue');return false;};Fmcty.fn.hideOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest('.fmcty-form').find('.fmcty-section[data-fmcty-section="phone"] .fmcty-submit').html('Get\u0020My\u0020Quote\u0021');return false;};Fmcty.fn.validateRentingEndDate = function(data) {var isValid = true,currMonth = 03,currYear= 2024;if (data.values) {if ( parseInt(data.values.renting_end_date_month) < parseInt(currMonth) && parseInt(data.values.renting_end_date_year) <= parseInt(currYear) ) {isValid = false;}}return isValid;};var fmctyXhr = null;Fmcty.fn.callLocationLookupService = function(query,successCallback,errorCallback) {if (fmctyXhr && fmctyXhr.readyState != 4) {fmctyXhr.abort();}fmctyXhr = $.ajax({url: "https://www.mortgageresearchcenter.com/ajax/location.php?not_state=PR,VI,AE,AS,GU,MH,FM,MP,PW,AP&input=" + query,cache: true,dataType: "json",type: "GET",crossDomain: true,success: function(response) {successCallback(response);},error: function(response) {errorCallback(response);}});};Fmcty.fn.locationLookup = function(data) {var input = data.input,value = data.value,values = data.values,event = data.event,form_id = data.form_id;var section = input.closest('.fmcty-section'),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"]'),result_display= section.find('.fmcty-autocomplete-placeholder'),autocomplete= section.find('.fmcty-autocomplete'),location,location_display;if ( ! result_display.length ) {result_display = $('').appendTo(prop_search.parent());}if ( ! autocomplete.length ) {autocomplete = $('
').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('
');}}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 = $('.fmcty-autocomplete-placeholder');if (typeof result.content !== 'undefined') {autocomplete_results.html("");placeholder.html("");section.find("#prop_search_aria_update").text(result.content.length + " location results");section.removeClass("fmcty-section-waiting mrc-section-waiting").addClass("mrc-zip-complete");section.find(".fmcty-field-validation").remove();if (result.content.length > 0) {for (var i = 0; i < result.content.length; i++) {var autocomplete_item = result.content[i].full_address,autocomplete_id = "";autocomplete_results.append('
');}} else {autocomplete_results.append('
');}} else {section.removeClass("fmcty-section-waiting mrc-section-waiting").removeClass("mrc-zip-complete");prop_search.attr("aria-expanded", "false");section.find("#prop_search_aria_update").text("");prop_rupid.val("").trigger("change");section.find(".fmcty-ajax-result-description").remove();}$('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);});
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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.
