Some of my listings are VA-owned homes that offer Vendee™ seller financing, with little to no money down and no mortgage insurance. You don't have to be a veteran to qualify.
Qualified buyers may be able to buy with little or no down payment.
No monthly mortgage insurance, which can lower your payment compared with many low-down-payment loans.
You don't need to be a veteran or have VA eligibility. Owner-occupants and investors can both apply.
15- and 30-year options with a competitive rate and no prepayment penalty.
Origination and funding fees may be rolled into the loan for qualified borrowers.
The seller may contribute toward your closing costs, which can cut the cash you need at closing.
Talk with VRM Mortgage Services (the Vendee lender) about your credit, income and payment.
Tour eligible VA-owned homes with me, including my listings marked for Vendee financing.
I prepare and submit your offer through the seller's system and negotiate terms and closing-cost help.
Homes are sold as-is, so we inspect, review the numbers and close through escrow.
Seller financing offered on homes the U.S. Department of Veterans Affairs acquired through foreclosure. The seller finances the purchase, so the loan is only available on those VA-owned (REO) homes.
No. The program is open to veterans and non-veterans, owner-occupants and investors who meet credit, income and underwriting guidelines.
Only VA-owned homes marketed for sale by VRM, the VA's property contractor. Some of my listings are eligible; call or text me to confirm a specific home.
Yes. The seller generally does not make repairs, so an inspection before you commit is important.
Yes. You can work with your own agent, and buyers are not required to use any affiliated lender or platform to buy a VA-owned home.
Vendee™ financing is offered through VRM Mortgage Services (855-843-8334, vrmco.com). VRM is a private company that manages VA-owned properties; it is not the VA. Terms, rates and eligibility are set by the lender, subject to credit, income and property approval, and can change. Andrés Morales and Bonaventure Inc. do not make or approve Vendee loans. Browse all eligible homes at vrmproperties.com.
Tell me which home or area you're interested in and I'll confirm whether seller financing is available and walk you through the next steps. Hablo español.
