Far and away, the most significant benefit of a VA loan
is the borrower's ability to purchase with no money down.
Apart from the government's UDSA's Rural Development home
loan and Fannie Mae's Home Path, it's all but impossible
to find a lending option today that provides borrowers
with 100 percent financing.
VA loans also come with less stringent underwriting standards
and requirements than conventional loans. In fact, about 80
percent of VA borrowers could not have qualified for a
conventional loan. These loans also come with no private
mortgage insurance (PMI), a monthly expense that conventional
borrowers are required to pay unless they put down at least
20 percent of the loan amount.
Down payment as low as 0%.
Competitive interest rates that are routinely lower than conventional rates
No prepayment penalties
Higher allowable debt-to-income ratios than for many other loans
Streamlined refinancing loans that require no additional underwriting
"It was a pleasure working with Jay Caballer, he helped us through the whole process all the way to closing day yesterday, Gilbert Hernandez our realtor was amazing, and is very trustworthy. They both went above and beyond getting us financing and finding us a new home. I highly recommend onboard 1 mortgage and home trust realty group."
"Onboard 1 Mortgage is an amazing company to do business with. Sean Caballer was transparent and made my experience seamless from the first time I spoke with him. I was able to refinance my home with a better rate than any other company had offered me. Sean was very knowledgeable, detailed, and kept an open communication with me throughout the entire process. Who knew refinancing could be such a stress free and quick process. I highly recommend working with Onboard 1 Mortgage and Sean for any of your mortgage needs. I look forward to working with them again in the future."
"I send all my clients looking for homes to the loan officer Sean Caballer. Not only does Sean do a great job in communication & delivering great service, he saves my clients thousands in closing cost because he does not charge a bunch of fees that traditional banks charge. He is a phenomenal Mortgage Broker and he has saved deals from other lenders for me."
"As a first time home buyer, I was very nervous about the process of buying a home. However, I had the opportunity to work with Sean Caballer as my loan officer, and I was very impressed with the entire experience. He was very professional, and always willing to answer every question I had. Sean kept me informed on what was happening throughout the process as well as what I should expect. I would definitely recommend him, and this company!"
"Sean Caballer, Thank you so much for making our home buying process so simple. We are so grateful to you for your hard work, dedication and patience. You were great at answering our questions guiding us through every step of the process. You are the best LOAN OFFICER for your professionalism and expertise. I would be happy to recommend you to my friends and family without hesitation."
"I had the pleasure working with Sean for my mortgage and it was an amazing experience. He kept me informed during the whole process and was always available to help me with any questions I had. I’ve heard horror stories of the home buying process, but I didn’t experience any of that with Sean. I would highly recommend him and the company. Also will be using him again in the future if I move and get another house."
"I’m extremely impressed and satisfied with the services that I received! Steven Peralta was my loan mortgage officer, he was extremely knowledgeable and answered all my questions thoroughly and was very attentive. He made sure I received the best deal and handled all of my personal documents with care and security. Steven was always keeping me on the up and up with any changes that would occur and he prepared me for this wonderful journey! I can’t thank him enough!"