Homes for Sale in Snohomish County, Wa
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    Snohomish County VA Home Loans & Financing

    Are you currently serving, have served, and/or retired from the Army, Navy, Marines, Air Force, or Coast Guard? If so, then you may be eligible to purchase a home with zero money down. The United States Department of Veterans Affairs offers service members their Loan Guaranty Service, Home Loan Program which real estate brokers and mortgage officers abbreviate as VA financing.

    As mentioned, VA financing allows service members to buy a home with zero down payment. That translates to virtually no out-of-pocket money to purchase. To determine if you have VA eligibility it’s pretty straight forward:

    1. Are you active in The United States armed services?
    2. Are you retired from: Navy, Army, Air Force, Marines, or Coast Guard?
    3. Are you a reservist? Have you been deployed on active duty or not?
    4. Or, Were you honorably discharged?

    If one of those four criteria is you then likely you qualify for a VA home loan.

    VA Funding Fee:

    What is the funding fee, the amount a Veteran is required to put down and if they are exempt.

    • 1st time use not putting any money down- Funding fee will be 2.15%. Subsequent Use will be 3.3%
    • If a Veteran puts 5% or more down- the VA funding fee drops to 1.5%,
    • If they put more than 10% down it drops to 1.25%.
    • Disabled Veteran they may not have a funding fee at all.

    VA credit Score Minimums:

    • LoanDepot’s minimum credit score is a 520 on a single family home, 580 on a manufacture home purchase
    • LoanDepot does help Veteran’s with No Credit Score- specific requirements will be applies.

    Having Multiple VA loans:

    • Veteran can have multiple VA loans at the same time. There is a specific calculation that we use to determine how much they can qualify for.
    • Purchasing a home after a Short-sale or a Foreclosure- Veteran’s with compromised entitlement can still purchase a home with another VA loan.

    What Are the Closest Cities to Naval Station Everett?

    • Naval Station Everett is Located in Everett.
    • In the North: Marysville, Arlington, and Stanwood
    • In the East: Lake Stevens, Mill Creek, and Bothell
    • In the South: Mukilteo and Lynnwood

    What Homes Qualify for VA Financing?

    • The home can be in any area or city. Some condos do not qualify.
    • The home must be stick built. Manufactured homes do not qualify.
    • The home has to be in decent condition with no major repairs required.

    VA Appraisals: Items of Concern

    • Roof is failing
    • Siding is failing
    • Cracked Foundation
    • Failed Electrical or Plumbing

    An item a mortgage broker will need to verify eligibility is a Certificate of Eligibility. Before the web it was a pain and sometimes troublesome get obtain the Certificate of Eligibility but now just visit the VA’s Benifits website to retrieve yours. Also, most mortgage brokers will be able to retrieve it as well to save you time.

    *Note: VA limits are $500,000 for Snohomish County but if a home is purchased in a higher amount the buyer just has to make that difference up in cash.

    VA Qualified Snohomish County Homes

    8802 14th Street NE, Lake Stevens image
    8802 14th Street NE, Lake Stevens — Frontier Heights $435,000

    WHY RENT? Move-In Ready! Cute and clean 3 bedroom, 1 full bath rambler with fully fenced yard. Detached oversized one car garage with storage space. Beautiful kitchen wit...

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    • 3 Beds
    • 1 Baths
    • 1958527 MLS
    • ACTIVE Status
    Courtesy of Daily Realty Group LLC

    Listing courtesy of Daily Realty Group LLC.

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    3116 164th Street SW Unit #1509, Lynnwood image
    3116 164th Street SW Unit #1509, Lynnwood $358,000

    Welcome to the attractive Wildwood Community! Move in ready 1 bed 1 bath nice home close to Fred Meyer, Starbucks, restaurants, Alderwood Mall, Costco, H Mart are and mor...

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    • 1 Beds
    • 1 Baths
    • 1958838 MLS
    • ACTIVE Status
    Courtesy of WeLakeside

    Listing courtesy of WeLakeside.

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    3731 122nd Street NE, Marysville image
    3731 122nd Street NE, Marysville $385,000

    Central Marysville single story fixer on 1/3 acre with huge detached garage/shop, here's your chance to earn sweat equity and have an in town oasis, Great location perfec...

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    • 2 Beds
    • 1 Baths
    • 1958790 MLS
    • ACTIVE Status
    Courtesy of MacPherson's RHB

    Listing courtesy of MacPherson's RHB.

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    2018 Oakes Avenue, Everett image
    2018 Oakes Avenue, Everett $425,000

    LOCATION!Charming historic Craftsman on a double lot!It's hard to find many at this price! Home is located in an established historic neighborhood.A covered front porch g...

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    • 3 Beds
    • 1 Baths
    • 1935086 MLS
    • ACTIVE Status
    Courtesy of Keller Williams Realty Bothell

    Listing courtesy of Keller Williams Realty Bothell.

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    2710 178th Street NW, Arlington image
    2710 178th Street NW, Arlington $500,000

    Opportunity for sweat equity- "good bones" tri level on over 3/4 acre near Lake Ki! Come in and update to your own taste and enjoy the rewards! Situated on dead end road,...

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    • 3 Beds
    • 3 Baths
    • 1958512 MLS
    • ACTIVE Status
    Courtesy of Windermere Real Estate JS

    Listing courtesy of Windermere Real Estate JS.

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    The database information herein is provided from and copyrighted by the Northwest Multiple Listing Service (NWMLS). NWMLS data may not be reproduced or redistributed and is only for people viewing this site. All information provided is deemed reliable but is not guaranteed and should be independently verified. All properties are subject to prior sale or withdrawal. All rights are reserved by copyright.

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    Learn About the Do & Don't of Home Loans

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