Crystal Durst

01/08/2024

12/15/2023

BAH rates in your area :

Basic Allowance for Housing, or BAH, provides uniformed service members equitable housing compensation based on housing costs in local civilian housing markets within the Continental United States (CONUS) when government quarters are not provided.

12/13/2023

A friendly PSA —

If you have a VA loan, and you’re wanting to sell or have someone assume the loan. You need to know this info!

VA loan assumption refers to the process where a qualified individual takes over the existing VA loan of another person. The assumptor must meet certain eligibility criteria, including VA approval and financial qualifications. It allows the assumptor to inherit the remaining balance and terms of the original VA loan, often with a lower interest rate than current market rates. However, the original borrower's VA entitlement may remain tied to the loan until it's paid off or refinanced, limiting their ability to use it for another VA loan.

I’m going to repeat that last sentence —

The ORIGINAL borrowers VA entitlement WILL remain with the property if the assumptor does NOT have VA entitlement eligibility. (Someone who has NOT served in the military and NOT serving currently in the military) you will not have access to that entitlement until they either, refinance or pay off the mortgage. This will limit the original borrowers ability to use the entitlement for another VA loan.

Please share this with anyone who has a VA loan. I saw a post yesterday where there are people trying to trick those with VA loans into allowing them to assume their loan and they don’t have VA entitlement eligibility. This is a loss for the seller. The VA loan is one of the greatest benefits veterans/active duty have access to. It should not be stolen.

12/07/2023

Traveled back to Fort Campbell TN to see my daughter home from Romania .

10/30/2023

What's the very best part of your home?

10/28/2023

How do you know when you’re financially set to get preapproved? Here's what lenders look for and what you need to do if you're not quite there.

It’s the biggest hack to homeownership, and probably the most misunderstood: a home loan preapproval. How do you know when you’re financially set to get preapproved?

10/26/2023

This is an awesome lighting idea for your backyard! Perfect for hanging out on a nice evening with the family.

10/24/2023

What's the best local meal you've ever had?

10/22/2023

Rumor has it that Zundo Ramen & Donburi -Mason is one of the best Japanese restaurants in town. Do you agree?

Japanese in Mason, OH