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At The Onyx Group, we understand the dedication and hard work of transportation professionals. Whether you're a long-haul trucker, a delivery driver, or part of the logistics network, your commitment keeps our economy moving. We also recognize that traditional mortgage lenders might not fully appreciate your unique income patterns or the challenges you face. That's why we offer specialized home loan programs designed to help you overcome these obstacles and achieve your dream of homeownership.
Military home loans, also known as VA loans, are government-backed mortgages exclusively available to qualified service members, veterans, and their surviving spouses. These loans offer unparalleled benefits, including:
No Down Payment:
Purchase a home without any upfront costs, making homeownership accessible even with limited savings.
No Private Mortgage Insurance (PMI):
Save hundreds of dollars each month compared to conventional loans.
Competitive Interest Rates:
Enjoy some of the lowest interest rates in the market.
Flexible Credit Requirements:
VA loans offer more lenient credit guidelines than traditional mortgages.
No Prepayment Penalties:
Freedom to pay off your loan early without additional fees.
Assumable Loans:
Potentially transfer your loan to a qualified buyer, offering a unique selling point when selling your home.
Military home loans, also known as VA loans, are government-backed mortgages exclusively available to qualified service members, veterans, and their surviving spouses. These loans offer unparalleled benefits, including:
No Down Payment:
Purchase a home without any upfront costs, making homeownership accessible even with limited savings.
No Private Mortgage Insurance (PMI):
Save hundreds of dollars each month compared to conventional loans.
Competitive Interest Rates:
Enjoy some of the lowest interest rates in the market.
Flexible Credit Requirements:
VA loans offer more lenient credit guidelines than traditional mortgages.
No Prepayment Penalties:
Freedom to pay off your loan early without additional fees.
Assumable Loans:
Potentially transfer your loan to a qualified buyer, offering a unique selling point when selling your home.
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Eligibility is based on your service history and discharge status. Generally, you may qualify if you meet one of these criteria:
Currently serving in the U.S. armed forces.
Served a minimum period of active duty and received an honorable discharge.
Meet specific service requirements.
Spouses of veterans who died in service or from a service-related disability.
These specialized mortgage programs offer a range of benefits to help health care professionals achieve homeownership:
Gratitude in Action
VA Loans are a tangible expression of appreciation for your service and sacrifice.
Affordable Homeownership
Make homeownership a reality with no down payment and competitive rates.
Financial Freedom
Save money with no PMI and flexible repayment options.
Streamlined Process
Designed to meet the needs of military personnel with fast and efficient loan processing.
Relocation Assistance
Special considerations for frequent moves and deployments.
Various loan programs cater to the needs of law enforcement professionals:
The Onyx Group is dedicated to serving those who serve our country. Here's why veterans and active-duty military personnel choose us:
Our team is well-versed in VA loan guidelines and processes.
We provide one-on-one guidance and support throughout your homeownership journey.
We understand the importance of timely approvals and closings, especially for military families.
We deeply appreciate the sacrifices of our military personnel and strive to make the loan process as smooth as possible.
While eligibility requirements vary, here's a general overview:
Certificate of Eligibility (COE): Obtain a COE to verify your eligibility for a VA Loan.
Credit Requirements: Minimum credit scores typically range from 580-620, but lenders may have overlays.
Debt-to-Income Ratio: Lenders assess your ability to manage debt payments alongside a mortgage.
Property Requirements: The property must meet the VA's Minimum Property Requirements (MPRs).
VA Funding Fee: A one-time fee that can be financed into the loan or paid upfront. Some veterans may be exempt.
Millions of Veterans Served: VA Loans have helped millions of veterans and active-duty personnel become homeowners.
Higher Homeownership Rates: Veterans have higher homeownership rates than the general population, thanks in part to VA Loans.
Stronger Communities: Homeownership fosters stability and strengthens communities across the nation.
Relax and take comfort in knowing that our 24/7 support ensures you're never alone on your financial journey.
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Legal Disclaimer
Onyx Group Mortgage, a division of Ameritrust Mortgage Corporation (NMLS #217229), is located at 17341 Irvine Blvd., Suite 285, Tustin, CA 92780. Please note that Ameritrust Mortgage Corporation does not offer legal, tax, or financial advice, nor is it affiliated with any government agency. www.nmlsconsumeraccess.org.
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Onyx Group Mortgage is a division of Ameritrust Mortgage Corporation, NMLS #217229 located at 17341 Irvine Blvd., Suite 285, Tustin, CA 92780. Ameritrust Mortgage Corporation does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for an extension of credit nor a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. For current licensure information, please visit: www.nmlsconsumeraccess.org.
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