Benefits and Savings
When you use us we bring the savings with us. We understand working on a budget and have found partners that are here to take care of your needs and at the same time save you money. You will save money on buying or selling your home, your VA mortgage fees, closing attorney costs and inspection fees. You can save thousands.
Real Estate Services
​When you use our certified Real Estate professional we will rebate back to you $1,000 at closing.
VA Loans
When you use our certified VA Loan specialist, we will reduce your rate by half a percentage point - Saving you big over the term of your loan.
Closing Costs
When you use our Closing Attorney Services they will reduce your bill by $150.
Home Inspections
When you use our certified professional Home Inspection partners they will reduce your bill by $50.
Frequently asked questions
All ranks of active military, reserves and veterans of the U.S. Army, Navy, Air Force, Marine Corps, Space Force, Coast Guard and DOD.
On average you'll save +/-$2,000. When you buy or sell a home with 4vetsonly and use our MRP certified realtor you will get $1,000. When you work with our certified VA mortgage professional you will get .5% off your mortgage rate, which average around $600. When you use our attorney you will save $150 and $50 on your home inspection.
You do not need to use all of our services. However, each benefit you work with will add to your savings amount.
After you register, one of our local real estate and mortgage professionals will reach out to you within 24 hours.
4VetsOnly is a for-profit cause-related company that fuels our giving to vets by providing real estate, mortgage, attorney and inspection services to veterans.
VA loans are an incredible benefit for those who've proudly served our country. They're also a specialized product that some real estate agents are more familiar with than others. You don't want a novice in your corner when the time comes to utilize these hard-earned benefits. A real estate agent who understands the promise and potential of this program can save you time and money in a host of ways.
This is more than a recommendation. For most Americans their home is the largest investment, so why wouldn't you want a clear look at what problems may be present that you may not see? The home inspection is the cheapest "insurance" that you don't purchase a lemon of a house. Unlike the appraisal, the home inspection is not mandatory, but you should think of it that way. You will need to pay for the home inspection at the time of inspection, but you will get $50 off when you use our VA supportive home inspector.
The VA loan program has occupancy requirements because it's a program for primary residences. Generally, you're supposed to occupy the property within 60 days of closing. A spouse can fulfill the requirement, which is one of the ways deployed or otherwise unavailable military members can purchase homes while serving. VA mortgages are programs designed for owner-occupancy.
Georgia real estate contracts detail how you are financing the property (cash or mortgage loan). Prospective buyers using a home loan will usually need to specify the loan type, e.g., conventional, FHA, VA. Getting preapproved and having a MRP, VA-savvy Realtor are two key steps that can help.
Our VA mortgage professional will help to advise you through the entire process. Register online and they will reach out to you and provide the most accurate information and guidance on your ability to obtain VA financing.
You don't need to have your VA Certificate of Eligibility to start the VA loan process. It's common for lenders to get this document for you a little later down the road. By all means, you can certainly obtain yours if you're concerned about your entitlement amount or just feel better having proof of your benefit. Using the VA's eBenefits Portal is typically the quickest way when possible.
You don't have to check your credit before applying. That said, your credit profile plays a crucial role in your ability to land a home loan and the type of rates and terms available. You can get a free copy of your credit report from Annualcreditreport.com.
Once you earn the VA home loan benefit, it's yours for life. This isn't a one-time lending option or a program exclusively for first-time homebuyers. You can use these benefits over and over again. In certain circumstances, it's possible to have more than one VA loan at the same time.
VA loans are an incredible benefit as well as a specialized product that some lenders are more familiar with than others. You don't want a novice when the time comes get the loan processed smoothly and quickly. A certified VA lender who understands the steps and potential potholes will save you time, money and help you to get into your new home.
Yes, but properties that are in disrepair or have sat vacant for a while will most likely pose problems. VA has minimum property requirements that cover broad health and safety issues that need to be met in order to satisfy the VA appraisal process. Most homes in need of repair will most likely not qualify and it's tough to get a bank or a seller in default to make the repairs, which must be completed prior to closing. Having a MRP Realtor who understands working within the VA requirements is a must.
Townhomes are acceptable property types for your VA benefit. Condos are acceptable also but there is a potential wrinkle that the condo development must be on the VA's list of Approved Condominiums.
Qualified VA borrowers can purchase up to a four-unit property provided they live in one of those four as their primary residence. But in some cases you may need several months of reserves in the bank when purchasing these types of properties. Single Family, Duplexes, Triplexes and Quads are all acceptable.
The VA wants veterans purchasing homes that are "move-in ready." To that end, independent VA appraisers have to make sure your home purchase meets a set of minimum property requirements as part of the VA appraisal process. Any defects or issues noted by the appraiser have to be completed before the loan can close. The issue is you -- the veteran purchasing the home -- can't be the one to make those changes.
About 8 in 10 VA homebuyers purchase without making a down payment. It's not unheard of for the seller to pay some or all of your closing costs. That being said, you'll still need up front money to cover things like earnest money deposit, appriaisal fees and inspection fees.
A VA preapproval letter gives you the ability to show a seller that you are tentatively approved to quality for a VA mortgage and that you have the financial stability to purchase a home up to a stated amount. Preapproval in particular is important in that it shows sellers you're a serious candidate who's likely to make it to closing day.
While the VA mortgage is a specialized mortgage product, it's not different or more difficult to obtain than any other mortgage type. With VA loans being a $0 down payment, it's arguably easier to obtain without the hurdle of needing much more money to put as a down payment.