Unlock the Benefits of Your Service with Expert VA Loan Guidance

VA Loans

I keep hearing that VA loans are “a pain”, “problematic”, or “slow”. The way I see it, they are just more detailed, there a few more boxes to check, and we enter the process with properly managed expectations. Besides, you served your country, so you deserve the benefits of a VA loan! The benefits are outstanding. Besides low interest rates, there is no downpayment required, and with a large turnover of military personnel in the FNSB, there are many assumable VA loans at lower rates!

I am happy to walk you through the process of applying, finding a lender, and then, shopping for homes. Once we get going, I will provide you with on going market updates, scanning for houses that meet your criteria, and a summary of associated closing costs so there are no surprises at the end!

Hit the chat button to talk to me about VA & any type of loan!

Very Knowledgable About The Current Market

“Mike was efficient and very knowledgeable about the current market. His suggestions for improvements, staging, and time to list were spot on. Mike was able to sell our home in 3 days with a full price offer.”

5/5

Understanding VA Loan Eligibility

The first step is understanding your eligibility for a VA loan. This involves reviewing your service history and ensuring you meet the requirements set by the Department of Veterans Affairs. I will assist you in gathering the necessary proof of service, such as your Certificate of Eligibility (COE), which is crucial for moving forward.

01

Pre-Approval Process

Pre-approval is a key step in the VA loan process, as it gives you a clear idea of your budget and shows sellers that you're a serious and qualified buyer. We'll work together to gather financial documents such as income statements, credit reports, and employment verification, ensuring your application is robust and ready for lender review.

02

Property Search and Making an Offer

Once pre-approved, the exciting part begins – finding your ideal home. I'll provide listings that meet your criteria and VA loan requirements, such as minimum property standards. When you're ready to make an offer, I'll guide you through creating a competitive bid that aligns with VA guidelines.

03

VA Appraisal and Loan Closing

The VA appraisal is a unique element of your VA loan, ensuring the property meets the VA's standards. I'll help coordinate this process and work with you to address any issues that may arise from the appraisal. Finally, leading up to closing, I'll ensure all documentation is in order and that you understand each aspect of the closing process, from final inspections to signing the paperwork.

12+ Years of Real Estate Experience

Bringing over a decade of in-depth experience in the Fairbanks real estate market. From understanding local trends to providing expert advice, my journey has been about creating value and trust in every transaction.

Hundreds of Satisfied Clients

My commitment to exceptional service has resulted in a strong track record of satisfied clients. From first-time homebuyers to seasoned sellers, I prioritize your needs to achieve the best possible outcome.

Extensive Local Knowledge

Having lived and worked in Fairbanks for over 20 years, I cover a broad range of locations. This local knowledge ensures that I can provide insightful advice, whether you’re buying, selling, or exploring investment opportunities.

Consistent High Ratings

Recognized with numerous five-star ratings for my dedication and professionalism. These ratings reflect my commitment to not just meeting, but exceeding client expectations in every aspect of real estate service.

Ready to Explore Your VA Loan Options?

As a veteran or active-duty service member, you deserve a smooth, supportive process that acknowledges your service. I'm here to make that happen.

Mike Noche

Fairbanks Realtor

Contact For Your Real Estate Solutions