Buyer guide
First-time homebuyer guide — with VA loan basics.
If you're stationed at Camp Lejeune, MCAS New River, or you're a first-time buyer anywhere on the Crystal Coast, here's the roadmap from "thinking about it" to keys in hand.
1. Know your budget
Lender pre-approval first. It tells you what you can afford and makes your offer stronger.
2. Check VA eligibility
If you've served, the VA Certificate of Eligibility (COE) unlocks zero-down financing, no PMI, and competitive rates.
3. Define your must-haves
Beds, baths, school district, commute to base, fenced yard, garage. We'll narrow the field together.
4. Tour & make an offer
Smart, focused tours. We negotiate price, closing costs, and seller concessions in your favor.
5. Inspect & appraise
VA appraisal protects you. We'll work through repair requests and any conditions.
6. Close & get keys
Final walk-through, signing, funding — then it's yours.
VA loan benefits — quick reference
- $0 down payment. Most VA-eligible buyers can finance 100%.
- No private mortgage insurance. Lower monthly payment vs. conventional.
- Competitive rates. Backed by the VA — lenders price aggressively.
- Limited closing costs. Sellers can pay up to 4% in concessions.
- VA appraisal & MPRs. Built-in protection on property condition.
- Reusable benefit. Your VA entitlement can be used more than once.
Not legal or lending advice — your loan officer confirms eligibility and final numbers. Want a lender intro? Just ask.