There are certain steps one should take when getting a Hawaii VA Loan or a Hawaii VA mortgage.
The first would be to interview a experienced Hawaii VA Loan Officer or Hawaii VA Mortgage specialist.
Please be aware that the Hawaii VA Mortgage, is very easy to obtain, if your Broker or Loan Officer
knows exactlty what their doing. The following is a list of what to look for when trying to find an
experienced Hawaii VA Mortgage Broker in order to obtain your Hawaii VA Loan, ask the following
questions of your Hawaii VA Mortgage Broker.
1. What is the first step in qualification for my Hawaii VA Loan?
A. The first step to getting your Hawaii VA Loan,is to have your financial disposition reviewed and an
in person interview conducted. An EXPERIENCED Hawaii VA Mortgage Broker will ask
you to bring your LES so they can brake down the exact amounts of Base Income, BAH, COLA, and
BAS. Please note an experienced Hawaii VA Mortgage Broker will not referr to your LES as your
"PAY STUB" An experienced Hawaii VA Mortgage Broker will also be looking for any allotments
that are coming directly out of you LES.
2. At the initial interview the experienced Hawaii VA Mortgage Broker will obtain your CERTIFICATE OF
ELIGIBILITY. This can be accessed straight from the VA Portal. Ask them to produce you certificate
in front of you. If they can't do this something is very wrong.
3. Last an experienced Hawaii VA Mortgage Broker will run a VA analysis to determine what your
residual income needs to be in order to qualify for your Hawaii VA Loan. Simply ask what your residual
income needs to be. If they can not answer this simple question something is VERY wrong.
Folks I have dedicated the last 10 years of life learning as much as humanly possible about the
Hawaii VA Loan. By providing you with as much information as possible is my way of saying " Thank You"
for what you do for our country. Should you have any questions at all please feel free to contact
Dave White " VA Loan Hero" at (808) 382-7444. Thank You and I look forward to being of service.
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