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Contract Guidelines

The home-buying process is no doubt a complicated and emotional one. From the excitement to the nervousness, you probably just want it to be over with by the end of it. Although your home-buying process might be in the final stages of transition, it’s important to remember that there is still some work to be completed before it’s all said and done.

If you lose focus under contract, it can result in delays with the financing process, or even the opportunity to secure your VA Loan. Fortunately, our VA Specialists will instruct you on important things to watch for and maintain while you’re in the final stages of the home-buying process.

We promptly review your credit inquiries, bank statements, and other related documents to determine if you’re carrying any debt that was not disclosed with the initial paperwork. During the time period you apply for the loan, we advise that you do not apply for any new debts, which would include buying or leasing a vehicle, refinancing other notes, etc. Before you do anything, please consult with us.

Our top recommendations while you’re under contract:

  • Avoid taking on new debt
  • Avoid changing jobs
  • Do not transfer money between banks
  • Pay your bills in a timely manner
  • Watch your credit card limits


Your closing may seem like it’s within reach, but additional documentation could be 
requested at the last minute to verify the information. If you’ve contributed to your debt since your filing, there is a chance that your new debt-to-income ratio may end your shot at that VA Loan. Don’t let this information intimidate you. So long as you stay focused and on track with our support, your VA Loan is right around the corner.

Designed to serve America's Heroes.

Why Choose HERO.LOAN

MORE PERSONALIZED SERVICE

Our team of VA Loan Specialists goes out of their way to create a personalized loan experience for our customers. We will meet with you face to face, in your home, on base, at work, or wherever you like. It’s important for us to get to know you, so we can tailor your loan to your specific needs, and for you to get to know us in a space that is comfortable to you and at a time that works for your schedule.
WE DO THE HEAVY LIFTING
Qualifying for a VA home loan requires a lot of steps, starting with the VA’s Certificate of Eligibility. Through the Hero Loan program, our team lightens your load by helping with every step of the loan process, starting with getting your VA Loan Certificate of Eligibility. We do all the VA paperwork for you!
YOU SAVE TIME
We are a direct-endorsed VA Lender. That means much quicker turnaround times for you. While most lenders take up to 120 days to complete a VA loan, we can close in as little as 14 days. Imagine it: you in your new home in just two weeks.
YOU SAVE MONEY:
NO OUT-OF-POCKET COSTS EVER
We underwrite all our VA loans in house. That means lower mortgage rates for you and no upfront or out of pocket costs—that includes the appraisal. At Hero.Loan, there are never appraisal fees, or any other out of pocket costs.

for more info contact info@hero.loan

NMLS #1326241 © 2018 RYAN KELLEY – THE HOME LOAN EXPERT, LLC. ALL RIGHTS RESERVED.

Choose A Team:

Ryan Kelley

NMLS #1326241

Licensed in: Missouri, Illinois, Indiana, Tennessee, California, Kentucky

The John Schutze Team

NMLS #208548

Licensed in: Texas

Arien Bowersock

NMLS #218700

Licensed in: Texas

The Becker Team

NMLS #794730

Licensed in: Colorado, California, Texas

The Paula Bonnafant Team

NMLS #858645

Licensed in: Florida

Mike Carey

NMLS #384158

Licensed in: Alabama, Florida, Mississippi, Tennessee

Andrew Brockmire

NMLS #963791

Licensed in: Colorado

James Taylor

NMLS #1136748

Licensed in: Florida