Find the Perfect Photographer for Every Occasion: Hire Professional Photographers

Discover a wide range of professional photographers for all your special moments and events. From weddings to corporate events, find the ideal photographer to capture your memories beautifully. Explore portfolios and book your preferred photographer today.

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In today’s digital age, the significance of photography has grown exponentially due to the omnipresence of social media and the internet. From capturing memories at a wedding to showcasing your business’s products, a professional photographer can help you effectively convey your story through an image. However, finding the perfect photographer for your occasion can be a daunting task as it involves considering several factors such as types of photography, costs, and services offered. This article will guide you through the process of finding a suitable photographer and provide insight into the benefits of hiring a professional.

Popular Types of Photography & Their Costs

Photography is a broad field with many specializations, each with a different price range. Some of the most popular types include portrait, event, product, and architectural photography. Portrait photography, essential for professional headshots or family photos, typically costs between $150 to $200 per session. Event photography, on the other hand, caters to occasions like weddings, corporate events, or parties. Depending on the event’s duration and the photographer’s expertise, prices can range anywhere from $500 to $3000. Product photography, crucial for businesses to display their products, can cost around $25 to $150 per image, while Architectural photography, used mostly by real estate agencies, may be priced between $150 to $350 per property.

How to Find Photographers Near You

In the digital age, finding a photographer in your vicinity is just a few clicks away. Online directories such as Google My Business, Yelp, or Yellow Pages provide listings of local photographers, complete with reviews and ratings. Additionally, social media platforms like Instagram or Facebook are excellent places to find photographers showcasing their work. However, word of mouth is still a powerful tool. Recommendations from friends, family, or colleagues can be invaluable when trying to find a reliable and competent photographer.

Benefits of Hiring a Professional Photographer

Hiring a professional photographer has several advantages. Firstly, professionals have a deep understanding of lighting, composition, and angles, resulting in high-quality images that captivate audiences. They have the correct equipment and know how to use it to enhance the final result. Secondly, a professional photographer can help convey your brand or personal story effectively, setting you apart from the competition. Lastly, hiring a professional takes the stress and responsibility off your shoulders, allowing you to focus on other aspects of your occasion.

What Services do Photographers Offer

Photographers offer a wide array of services that go beyond just taking photos. Many provide consultation services, helping you plan and strategize how best to use photography for your occasion or business. They can also offer editing and retouching services, ensuring that the final images match your vision. Some photographers may provide additional services like creating photo albums or prints, video production, drone photography, and even offering photography classes. It’s crucial to discuss your needs in detail with your chosen photographer to ensure they can deliver what you’re looking for.

Finding a photographer for your occasion is not just about hiring someone with a camera. It’s about finding a professional who understands and can translate your vision into captivating images. From understanding different types of photography and their costs, searching for a local photographer, acknowledging the benefits of hiring a professional, to knowing the services they offer, you are now equipped with the knowledge to make an informed decision. Remember, the best photographers not only capture moments but also help tell stories, evoke emotions, and create lasting memories.

VA Home Loans for Veterans and Military

[] VA Home Loans for Veterans and Military | Veterans United Home Loans Skip to Content

3,116 Veterans received a personalized quote in the past 24 hours.

Without military experience most loans require at least 3% down.Get More Information →]]]]]]>]]]]>]]>

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Without military experience most loans require at least 3% down.

“},”down_payment_notice_nb” : {“type”: “hidden”,”label” : “

Without military experience most loans require at least 3% down.

We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

Get More Information →“,”required”: true,”value” : 1,},”down_payment_notice_html_nb” : {“type”: “html”,”content” : “

Without military experience most loans require at least 3% down.

We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

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New York Homebuyers:

Due to state regulations, we are not able to accept home loan inquiries for New York properties on this site. If you are interested in a property in another area, you may hit Back and enter a different location.

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Based on the information provided, your loan-to-value ratio is too high for a Cash-Out refinance with Veterans United.
Learn more about VA Cash-Out Refinancing

Would you still like to see if we can lower your interest rate?

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Thank you for coming to Veterans United Home Loans! To continue your home loan request, please continue to our secure, online mortgage preapproval system.

Get Preapproved Online →“,”required”: true,”value” : 1,},”tx_cashout_message” : {“type”: “radio”,”label” : “

Due to state restrictions, we do not offer cash-out or debt consolidation refinances in the state of Texas.

Would you still like to see if we can lower your interest rate?

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What is your name?

“},”first_name” : {“label” : “First Name:”,”type”: “text”,”required”: true,”placeholder” : “First”,”invalidMsg”: “Please enter your first name.”,”doNotTrack”: true},”last_name” : {“label” : “Last Name:”,”type”: “text”,”required”: true,”placeholder” : “Last”,”invalidMsg”: “Please enter your last name.”,”doNotTrack”: true},”address_label” : {“type”: “html”,”content” : “

What is your current street address and ZIP?

“},”address” : {“label” : “Street Address:”,”description” : “”,”type”: “text”,”required”: true,”placeholder” : “Street Address”,”invalidMsg”: “Please provide your current street address.”,”doNotTrack”: true},”zip” : {“label” : “ZIP Code:”,”type”: “text”,”required”: true,”placeholder” : “ZIP Code”,”attr”: “size=”5″ maxlength=”5″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid 5-digit ZIP code.”},”time_at_current_address” : {“label”: “How long have you lived at this address?”,”type” : “radio”,”required” : true,”placeholder” : “Select a timeframe…”,”class” : “field-stacked”,”options” : [[ “less than 1 year” , “Less than 1 year” ],[ “1 to 2 years” , “1 – 2 Years” ],[ “2 to 5 years” , “2 – 5 Years” ],[ “over 5 years” , “5+ Years” ]]},”phone_full” : {“label” : “What is your phone number?”,”description” : “”,”type”: “tel”,”required”: true,”placeholder” : “(    )     -“,”invalidMsg”: “Please enter a valid phone number.”,”doNotTrack”: true},”vuhlagree_preamble” : {“type”: “html”,”content” : “

By submitting, I acknowledge, consent and agree to the terms listed below.

“},”vuhlagree” : {“type”: “html”,”content” : “By submitting, I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.”},”vuhlagree_checkbox” : {“type”: “checkbox”,”value” : 1,”required”: true,”invalidMsg”: “Check the box above to continue online. You may alternatively call us at 1-800-884-5560 to move ahead.”,”label” : “I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.”},”opq” : {“label”: “You’re almost there! 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When does your lease end?

“},”renting_end_date_month” : {“label” : “Month:”,”type”: “select”,”required”: true,”placeholder” : “Month”,”invalidMsg”: “Please select a month.”,”options” : [[ “01” , “01 – January” ],[ “02” , “02 – February” ],[ “03” , “03 – March” ],[ “04” , “04 – April” ],[ “05” , “05 – May” ],[ “06” , “06 – June” ],[ “07” , “07 – July” ],[ “08” , “08 – August” ],[ “09” , “09 – September” ],[ “10” , “10 – October” ],[ “11” , “11 – November” ],[ “12” , “12 – December” ],[ “99” , “Other / No End Date” ]]},”renting_end_date_year” : {“label” : “Year:”,”type”: “select”,”required”: true,”placeholder” : “Year”,”invalidMsg”: “Please select a valid date in the future.”,”options” : [[ “2023” , “2023” ],[ “2024” , “2024” ],[ “2025” , “2025” ],[ “2026” , “2026” ],[ “2027” , “2027” ],[ “2028” , “2028+” ],[ “9999” , “Other / No End Date” ]]},”current_rent_amount” : {“label”: “What is your current monthly rent payment?”,”type” : “currency”,”placeholder” : “”,”required” : true,”attr”: “size=”9″ maxlength=”9″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid dollar amount.”,},”desired_payment” : {“label” : “What is your desired monthly payment?”,”description” : “Enter a monthly payment, including taxes and insurance, that feels comfortable in your budget. An estimate is fine.”,”type”: “currency”,”required”: true,”placeholder” : “”,”invalidMsg”: “Please enter a valid dollar amount.”,”attr”: “size=”9″ maxlength=”9″ pattern=”[0-9]*””,},”twilio_phone” : {“label” : “What is your phone number?”,”type”: “tel”,”required”: true,”placeholder” : “(    )     -“,”invalidMsg”: “Please enter a valid phone number.”,”doNotTrack”: true,},”phone_resend_label” : {“type”: “html”,”content” : “Didn’t get a code?”},”phone_resend_text” : {“label” : “”,”type”: “radio”,”class” : “inline-link”,”required”: false,”options” : [[ “text” , “Resend code” ],],”onChange”: “resendCodeText”,},”phone_resend_call” : {“label” : “”,”type”: “radio”,”class” : “inline-link”,”required”: false,”options” : [[ “call” , “Call me with a code” ],],”onChange”: “resendCodeCall”,},”phone_verify_code” : {“label” : “Verification Code”,”description” : “Please enter the 4-digit code that was sent to you.”,”type”: “text”,”attr”: “inputmode=”numeric” autocomplete=”one-time-code” maxlength=”4″ pattern=”[0-9]*””,”required”: true,”placeholder” : ‘0000’,”invalidMsg”: “Please enter the code sent.”,},”previous_customer” : {“label” : “Have you closed a loan with Veterans United before?”,”type”: “radio”,”required”: true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes” ],[ “no” , “No” ],]},”vu_referrer” : {“label” : “How did you hear about Veterans United?”,”type”: “radio”,”required”: true,”options” : [[ “friend or family” , “Friend or Family Member” ],[ “real estate agent” , “Real Estate Agent” ],[ “builder” , “My Builder” ],[ “internet search” , “Internet Search” ],[ “online ad” , “Online Advertisement” ],[ “tv or radio” , “TV or Radio Ad” ],[ “direct mail” , “Direct Mail” ],[ “other” , “Other” ]]},”disability_rating” : {“label”: “Do you have a disability rating of 10% or higher from the VA?”,”description” : “Your disability rating may exempt you from the VA Funding Fee, a governmental fee applied to every VA purchase and refinance loan. 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: “first-time”,”inputs” : [“first_time”]},{“title” : “property-value”,”inputs” : [“property_value”]},{“title” : “home-value”,”inputs” : [“home_value”]},{“title” : “property-type”,”inputs” : [“property_type”]},{“title” : “manufactured-property”,”inputs” : [“manufactured_own”]},{“title” : “property-use”,”inputs” : [“property_use”]},{“title” : “where-in-process”,”inputs” : [“vu_whereprocess”]},{“title” : “timeframe”,”inputs” : [“when_loan”]},{“title” : “timeframe-reason”,”inputs” : [“preventing_loan”]},{“title” : “sell-home”,”inputs” : [“sell_before_purchase”]},{“title” : “current-loan”,”inputs” : [“current_loan_type”]},{“title” : “mortgage-balance”,”inputs” : [“balance”]},{“title” : “interest-rate”,”inputs” : [“current_rate”]},{“title” : “refi-continue”,”inputs” : [“refi_ltv_message”],”nextText” : “Yes, continue”},{“title” : “cash-out-amount”,”inputs”: [“cash_out_amount”],”after” : “

Maximum cashout amount based on the home value and mortgage balance information you supplied. Not guaranteed until locked in by your Loan Officer.

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.fmcty-section[data-fmcty-section=”phone-verify-code”]’).removeClass(‘fmcty-section-waiting’);},1);Fmcty[form_id].next(false);} else {if(rx.test(phoneValue) && ! Fmcty[form_id].phoneCheckInProgress){Fmcty[form_id].phoneCheckInProgress = true;$.ajax({url: “/ajax/twilio_phone_lookup.php?phone=” + phoneValue,dataType: ‘json’,success: function(res){if(res.carrier_type != ‘invalid’){Fmcty[form_id].verifiedCarrierType = res.carrier_type;Fmcty[form_id].verifiedPhone = phoneValue;data.form.find(‘input[name=”phone_full”]’).val(data.values.twilio_phone).trigger(‘change’);Fmcty.fn.sendVerification(data);} else {data.input.invalid();}data.input.closest(‘.fmcty-section’).removeClass(‘fmcty-section-waiting’);Fmcty[form_id].phoneCheckInProgress = false;},error: function(res){data.input.closest(‘.fmcty-section’).removeClass(‘fmcty-section-waiting’);data.input.invalid();}});} else {setTimeout(function() {data.input.closest(‘.fmcty-section’).removeClass(‘fmcty-section-waiting’);data.input.invalid();},1);}};};Fmcty.fn.resendCodeText = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.resendCodeCall = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.showOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest(‘.fmcty-form’).find(‘.fmcty-section[data-fmcty-section=”phone”] .fmcty-submit’).html(‘Continue’);return false;};Fmcty.fn.hideOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest(‘.fmcty-form’).find(‘.fmcty-section[data-fmcty-section=”phone”] .fmcty-submit’).html(‘Getu0020Realu0020Rates’);return false;};Fmcty.fn.validateRentingEndDate = function(data) {var isValid = true,currMonth = 08,currYear= 2023;if (data.values) {if ( parseInt(data.values.renting_end_date_month) ‘).appendTo(prop_search.parent());}if ( ! autocomplete.length ) {autocomplete = $(”).appendTo(‘#’ + form_id + ‘_prop_search_results_box’);}var autocomplete_results = autocomplete.find(‘.fmcty-autocomplete-results’);if (value.length ‘+autocomplete_item+”);}}location = result.data[0];section.find(‘#prop_search_aria_update’).text(result.data.length + ‘ location results’);section.removeClass(‘fmcty-section-waiting mrc-section-waiting’).addClass(‘mrc-zip-complete’);prop_search.closest(‘.fmcty-field’).addClass(‘fmcty-field-focused’);prop_search.attr(‘aria-expanded’, ‘true’);section.find(‘.fmcty-field-validation’).remove();location_display = “”;if (location.PLACENAME) {location_display += location.PLACENAME+”, “;prop_city.val(location.PLACENAME).trigger(‘change’);} else {prop_city.val(”).trigger(‘change’);}if (location.STATEABBV) {location_display += location.STATEABBV;prop_state.val(location.STATEABBV).trigger(‘change’);} else {prop_state.val(”).trigger(‘change’);}if (location.ZIPCODE) {prop_zip.val(location.ZIPCODE).trigger(‘change’);} else {prop_zip.val(”).trigger(‘change’);}if (location.type === “zip”) {location_display = location.ZIPCODE+”, ” + location_display;}var location_display_partial = location_display.slice(0, value.length),value_regex = new RegExp(value.replace(/[.-dws]+/g, ‘$&’), ‘i’),location_regex = new RegExp(location_display_partial.replace(/[.-dws]+/g, ‘$&’), ‘i’),location_result = location_regex.test(value_regex);if (location_result) {location_display = value + location_display.slice(value.length);} else {location_display = “”;}result_display.val(location_display);} else {section.removeClass(‘fmcty-section-waiting mrc-section-waiting’).removeClass(‘mrc-zip-complete’);prop_search.attr(‘aria-expanded’, ‘false’);section.find(‘#prop_search_aria_update’).text(”);prop_zip.val(”).trigger(‘change’);prop_city.val(”).trigger(‘change’);prop_state.val(”).trigger(‘change’);result_display.val(”);section.find(‘.fmcty-ajax-result-description’).remove();}},function(result) {if (result.statusText && result.statusText === “error”) {section.removeClass(‘fmcty-section-waiting mrc-section-waiting’).removeClass(‘mrc-zip-complete’);prop_search.attr(‘aria-expanded’, ‘false’);prop_state.val(‘fail’).trigger(‘change’);section.find(‘.fmcty-ajax-result-description’).remove();} else {prop_zip.val(”).trigger(‘change’);prop_city.val(”).trigger(‘change’);prop_state.val(”).trigger(‘change’);result_display.val(”);}});};Fmcty.fn.setPropertyState = function(Fmcty,input,value,values,event) {var form;if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */form= Fmcty.form;value = Fmcty.value;} else {form = input.closest(‘.fmcty-form’);}form.find(‘input[name=”property_state”]’).val(value).trigger(‘change’);form.find(‘input[name=”property_city”]’).val(”).trigger(‘change’);};if (Fmcty.values) {var prop_search_val = “”;if (Fmcty.values.property_zip) {prop_search_val = Fmcty.values.property_zip;if (Fmcty.values.property_city) {prop_search_val += “, “;}}if (Fmcty.values.property_city) {prop_search_val += Fmcty.values.property_city;if (Fmcty.values.property_state) {prop_search_val += “, ” + Fmcty.values.property_state;}}Fmcty.values.property_search = prop_search_val;}Fmcty.fn.calcRefiLtv = function(data){Fmcty.fn.calcRefiTotalLoanAmount(data);if (!data.values.home_value || !data.values.balance || data.values.home_value == 0) {return;}var homeVal = parseInt(data.values.home_value),balance = parseInt(data.values.balance),ltv = Math.round(balance / homeVal * 100),cashOutMax = Math.round((homeVal * .9 ) – balance);if (cashOutMax > 325000){cashOutMax = 325000;} else if (cashOutMax cashOutMax) {data.form.find(‘[name=”cash_out_amount”]’).val(cashOutMax).trigger(‘change’);}data.form.find(‘[name=”refi_ltv”]’).val(ltv).trigger(‘change’);data.form.find(‘.fmcty_max_cash_out’).text(String(cashOutMax).replace(/(.)(?=(d{3})+$)/g,’$1,’));};Fmcty.fn.calcRefiTotalLoanAmount = function(data){var balance = parseInt(data.values.balance) || 0,cashout = parseInt(data.values.cash_out_amount) || 0;data.form.find(‘[name=”refi_total_loan_amount”]’).val(balance + cashout).trigger(‘change’);};Fmcty.fn.txCashout = function(data){data.form.find(‘input[name=”refi_reason”]’).prop(‘checked’,false).trigger(‘change’).filter(‘[value=”rate”]’).prop(‘checked’,true).trigger(‘change’);};Fmcty.fn.submitFn = function(data){var response = data;if (data.response) {response = data.response; /* Fmcty 2.0 conversion */}if (data.values) {Fmcty.fn.recordLeadFeed(data.values);}if (response && response.return_url) {window.location = response.return_url;}};Fmcty.fn.recordLeadFeed = function(values){if (values && values.first_name && values.property_city){var badNames = [“test”,”fuck”,”fucker”,”shit”,”bitch”,”nigger”,”no”,”none”];if(jQuery.inArray(values.first_name.toLowerCase(), badNames) === -1) {$.ajax({type: “POST”,url: “https://webhook.proofapi.com/cw/s8PWk6DsvxQ1kIlMHomPRJK4BRE2/-M78Glw6aeb1hgoWfTvm”,dataType: “json”,data: {“type” : “custom”,”first_name” : values.first_name,”email” : values.first_name+values.zip+Math.floor((Math.random() * 1000) + 1)+”@example.com”,”city”: values.property_city,”state”: values.property_state,”country”: “United States”,},success: function(response) {},error: function(response) {},});}}};Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRngCookie = function(data){var cookieName = “rngFormData”;var lifetime =30;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRngFormValues = function(data){var values = data.values;var cookie = Fmcty.fn.checkRngCookie(‘rngFormData’);var rngData = {};rngData.cookieTimeStamp = new Date();rngData.currentField = $(data.section).attr(‘data-fmcty-section’);var session = Fmcty.fn.newSession(values);rngData.progress = [];if (typeof cookie !== ‘undefined’) {rngData.refreshCount = cookie.refreshCount;if(typeof cookie.progress !== ‘undefined’) {rngData.progress = cookie.progress;}} else {rngData.refreshCount = 0;}if(window.sessionStorage.isNewSession != ‘false’ || typeof window.sessionStorage.inNewSession === ‘undefined’) {rngData.progress.push(JSON.parse(session));}$.each(values,function(key,value){if ($.inArray(key,Fmcty.rngFields) !== -1){rngData[key] = value;}});Fmcty.fn.createRngCookie(rngData);};Fmcty.fn.deleteRngValues = function() {var cookieName = “rngFormData”;Fmcty.fn.createCookie(cookieName,””,-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = “; expires=”+date.toGMTString();}else var expires = “”;document.cookie = name+”=”+value+expires+”; path=/”;};Fmcty.fn.checkRngCookie = function(name) {const value = `; ${document.cookie}`;const parts = value.split(`; ${name}=`);if (parts.length === 2) return $.parseJSON(atob(parts.pop().split(‘;’).shift()));};Fmcty.fn.newSession = function(data) {window.sessionStorage.isNewSession = false; var date = new Date();var nextSection = Fmcty.fn.findNextSection(Object.keys(data));return ‘{“timestamp”:”‘+date.toLocaleString().replace(/[^ -~]/g,”)+'”, “nextSection”:”‘+nextSection+'”, “src”:”‘+data.src+'”, “cmp”:”‘+data.cmp+'”}’;};Fmcty.fn.findNextSection = function(prefilledFields) {var form = $(‘#v4_lp’);var fieldClasses = prefilledFields.map(function(field) {return ‘.field-‘ + field;});fieldClasses.push(‘.fmcty-field-hidden, .fmcty-field-hidden-input:not(.field-ny_opq_message), .fmcty-field-html, .fmcty-field-submit, .fmcty-field-next, .fmcty-field-prev’);var nextSection = form.find(‘.fmcty-field’).not(fieldClasses.join(‘, ‘)).first().closest(‘.fmcty-section’);return nextSection.parent().children().index(nextSection) + 1;};addEventListener(‘beforeunload’, (event) => {var data = Fmcty.fn.checkRngCookie(‘rngFormData’);if(!data) {} else {data.refreshCount++;Fmcty.fn.createRngCookie(data);}});Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRldCookie = function(data){var cookieName = “rldFormData”;var lifetime =1;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRldFormValues = function(data){var values = data.values;var rldData = {};rldData.cookieTimeStamp = new Date();rldData.currentField = $(data.section).attr(‘data-fmcty-section’);$.each(values,function(key,value){if ($.inArray(key,Fmcty.rldFields) !== -1){rldData[key] = value;}});Fmcty.fn.createRldCookie(rldData);};Fmcty.fn.deleteRldValues = function() {var cookieName = “rldFormData”;Fmcty.fn.createCookie(cookieName,””,-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = “; expires=”+date.toGMTString();}else var expires = “”;document.cookie = name+”=”+value+expires+”; path=/”;};Fmcty.fn.setBindings = function(form_var){form_var.on(“fmcty:next fmcty:prev”,function(e,data){var scrollTop = $(document).scrollTop(),formTop = $(‘#v4_lp’).offset().top;if ( scrollTop > formTop ) {$(“html, body”).animate({scrollTop:formTop},500)}});form_var.on(“fmcty:next”,function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== ‘undefined’) {ga(‘vuhlga.send’, {hitType: ‘event’,eventCategory: ‘Formocity: #v4_lp’,eventAction: ‘Advance To Section’,eventLabel: $(elem).data(‘fmctySection’)});}});form_var.on(“fmcty:prev”,function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== ‘undefined’) {ga(‘vuhlga.send’, {hitType: ‘event’,eventCategory: ‘Formocity: #v4_lp’,eventAction: ‘Back To Section’,eventLabel: $(elem).data(‘fmctySection’)});}});form_var.on(“fmcty:change”,function(e,data){if (window.dataLayer && data && data.input_name && ( data.input_name === “property_value” || data.input_name === “home_value” ) ) {var adValue = parseInt(data.value) / 1000;window.dataLayer.push({event : “adValue”,adValue : adValue});}});form_var.on(“fmcty:submit”,function(e,data){var values;if (data.values) {values = data.values;} else {values = data;}if (typeof ga !== ‘undefined’) {ga(‘vuhlga.send’, {hitType: ‘event’,eventCategory: ‘Formocity: #v4_lp’,eventAction: ‘Submit’,eventLabel: values.plc + ‘ ~ ‘ + values.purpose});}if (window.dataLayer) {if ( ! ( parseInt(values.property_value) ‘).prependTo(‘#v4_lp’);progWrapper = progBar.wrap(”).parent();progText = $(”).appendTo(progWrapper);});form_var.on(‘fmcty:progress_updated’,function(e,data){var progress = data;if (data.progress) {progress = data.progress; /* Fmcty 2.0 conversion */}if (progBar && progBar.length){var progressPct = (progress.currentStep)/progress.activeSteps*100;if (isNaN(progressPct) || progressPct 100) {progressPct = 100;}progBar.css(‘transform’, ‘translateX(-‘ + (100-progressPct) + ‘%)’);if (progress.currentStep > 1) {progWrapper.addClass(‘fmcty-progress-bar-active’);} else {progWrapper.removeClass(‘fmcty-progress-bar-active’);}}});form_var.on(“fmcty:progress_updated”,function(e,data){if (data.progress.currentStep > 1) {$(‘body’).addClass(‘form-started form-engaged’);data.container.addClass(‘fmcty-started fmcty-engaged’);} else {$(‘body’).removeClass(‘form-started’);data.container.removeClass(‘fmcty-started’);}});form_var.on(‘fmcty:section_complete’, function(e, data){if (data.section.attr(‘data-fmcty-section’) == ’email’){if(Fmcty.v4_lp) {var values = Fmcty.v4_lp.values;$.post(“/v3/marketo_partial.php”, values);}}});var plc = form_var.data(‘fmctyPlc’);if (plc && window.mrcFormConfig && window.mrcFormConfig.inputs && window.mrcFormConfig.inputs.plc) {window.mrcFormConfig.inputs.plc.value = plc;}form_var.on(‘fmcty:ready’,function(e,data) {var autocomplete_click = false;function autoAdvanceSection (section) {var hasAutoAdvance = !(section.data(‘fmcty-auto-advance’) === false);if (hasAutoAdvance) {Fmcty[‘v4_lp’].next();}}form_var.find(‘[name=”property_search”]’).not(‘[type=”hidden”]’).closest(‘.fmcty-field’).append(‘

When autocomplete results are available use up and down arrows to review and enter to select.

‘ );form_var.on(‘click’,’.fmcty-autocomplete-result’,function(e) {e.preventDefault();var link= $(this),section = link.closest(‘.fmcty-section’),hint= section.find(‘.fmcty-autocomplete-placeholder’),prop_search = section.find(‘input[name=”property_search”]’),prop_zip= section.find(‘input[name=”property_zip”]’),prop_state= section.find(‘input[name=”property_state”]’),prop_city = section.find(‘input[name=”property_city”]’);prop_zip.val(link.data(‘zip’)).trigger(‘change’);prop_city.val(link.data(‘city’)).trigger(‘change’);prop_state.val(link.data(‘state’)).trigger(‘change’);prop_search.val(link.text());hint.val(link.text());section.find(‘#prop_search_aria_update’).text(hint.val() + ‘ selected’);section.removeClass(‘mrc-zip-complete’);prop_search.attr(‘aria-expanded’, ‘false’);if ( ” == ‘standard’ ) {prop_search.focus().closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);} else {autoAdvanceSection(section);}}).on(‘mousedown’,’.fmcty-autocomplete-result’, function(e) {autocomplete_click = true;});form_var.find(‘[name=”property_search”]’).not(‘[type=”hidden”]’).wrap(”).on(‘focus’,function(e){var link = $(this),section = link.closest(‘.fmcty-section’);link.closest(‘.fmcty-field’).addClass(‘fmcty-field-focused’);if (section.hasClass(‘mrc-zip-complete’)) {prop_search.attr(‘aria-expanded’, ‘true’);}}).on(‘blur’,function(e){var link= $(this),section = link.closest(‘.fmcty-section’),prop_search = section.find(‘input[name=”property_search”]’);if(autocomplete_click) {autocomplete_click = false;form_var.on(‘mouseup’, function() {$(link).closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);prop_search.attr(‘aria-expanded’, ‘false’);$(this).off(‘mouseup’);});} else {$(link).closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);prop_search.attr(‘aria-expanded’, ‘false’);}}).on(‘keydown’,function(e){if(e.which === 13) {e.preventDefault();e.stopImmediatePropagation();}}).on(‘keyup’,function(e) {var input = $(this),section = input.closest(‘.fmcty-section’);hint= section.find(‘.fmcty-autocomplete-placeholder’),prop_field= section.find(‘.field-property_search’),prop_search = section.find(‘input[name=”property_search”]’);var results = $(‘.fmcty-autocomplete-result’);section.find(‘.fmcty-autocomplete-placeholder’).val(”);switch(e.which) {case 9:break;case 13:section.removeClass(‘mrc-zip-complete’);section.find(‘#prop_search_aria_update’).text(hint.val() + ‘ selected’);if ( ” == ‘standard’ ) {prop_search.focus().closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);} else {autoAdvanceSection(section);}break;case 16:case 37:case 38:case 39:case 40:break;default:Fmcty.fn.locationLookup({“event”: e,”input”: input,”value”: input.val(),”form_id”: data.form_id,});break;}if (results.length && prop_field.hasClass(‘fmcty-field-focused’) && section.hasClass(‘mrc-zip-complete’) ) {var selected_result = results.filter(‘.hover’);results.removeClass(‘hover’).attr(‘aria-selected’, ‘false’);prop_search.removeAttr(‘aria-activedescendant’);if (e.which === 38 || e.which === 40) {var hint= section.find(‘.fmcty-autocomplete-placeholder’),prop_zip= section.find(‘input[name=”property_zip”]’),prop_state= section.find(‘input[name=”property_state”]’),prop_city = section.find(‘input[name=”property_city”]’);switch(e.which) {case 38:if (selected_result.length && selected_result.prev().length) {selected_result = selected_result.prev().addClass(‘hover’).attr(‘aria-selected’, ‘true’);prop_search.attr(‘aria-activedescendant’, selected_result.attr(‘id’));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data(‘zip’)).trigger(‘change’);prop_city.val(selected_result.data(‘city’)).trigger(‘change’);prop_state.val(selected_result.data(‘state’)).trigger(‘change’);} else {prop_search.removeAttr(‘aria-activedescendant’);}break;case 40:if (! selected_result.length) {selected_result = results.first().addClass(‘hover’).attr(‘aria-selected’, ‘true’);} else if (selected_result.next().length) {selected_result = selected_result.next().addClass(‘hover’).attr(‘aria-selected’, ‘true’);} else {selected_result = results.last().addClass(‘hover’).attr(‘aria-selected’, ‘true’);}prop_search.attr(‘aria-activedescendant’, selected_result.attr(‘id’));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data(‘zip’)).trigger(‘change’);prop_city.val(selected_result.data(‘city’)).trigger(‘change’);prop_state.val(selected_result.data(‘state’)).trigger(‘change’);break;}}}});});form_var.on(‘fmcty:ready’, function() {function check_ap() {if (typeof window.activeProspectCert !== ‘undefined’) {$(“input[name=’ap_token’]”).val(window.activeProspectCert).trigger(‘change’);} else {if(typeof loadTrustedForm == ‘function’) {loadTrustedForm();setTimeout(check_ap,1000);}}}check_ap();});form_var.on(‘fmcty:ready’, function(e,data){Fmcty.rngFields = [];var allInputs = Fmcty[data.form_id].config.inputs;Fmcty.rngFields.push(‘cookieTimeStamp’);Fmcty.rngFields.push(‘currentField’);Fmcty.rngFields.push(‘refresh’);Fmcty.rngFields.push(‘refreshCount’);Fmcty.rngFields.push(‘sessions’);$.each(allInputs,function(key,value){if((! this.doNotTrack && this.type !== “hidden” && this.type !== “html”) || key === “src” || key === “desc” || key === “cmp” || key === “curi” || key === “first_name” || key === “last_name” || key === “email” || key === “property_zip” || key === “property_state” || key === “property_city”){Fmcty.rngFields.push(key);}});});form_var.on(‘fmcty:section_complete’, function(e,data){Fmcty.fn.saveRngFormValues(data);});form_var.on(‘fmcty:submit’, function(e,data){Fmcty.fn.deleteRngValues();});form_var.on(“fmcty:section_complete”, function(e,data) {if(data.section.attr(“data-fmcty-section”) == “current-home”) {if(data.values.living_situation == “rent”) {mrcForm.find(‘[name=”purpose”][value=”P”]’).prop(‘checked’, true).trigger(‘change’);}};});};Fmcty.fn.setBindings(mrcForm);populateAddresses = function (result) {var input = $(‘input[name=”property_search_2″]’);var section = input.closest(‘.fmcty-section’);var prop_search = section.find(‘input[name=”property_search_2″]’);var prop_rupid = section.find(‘input[name=”property_rupid”]’);var autocomplete = section.find(‘.fmcty-autocomplete’);var autocomplete_results = autocomplete.find(‘.fmcty-autocomplete-results’);var placeholder = $(‘.fmcty-autocomplete-placeholder’);if (typeof result.content !== ‘undefined’) {autocomplete_results.html(“”);placeholder.html(“”);section.find(“#prop_search_aria_update”).text(result.content.length + ” location results”);section.removeClass(“fmcty-section-waiting mrc-section-waiting”).addClass(“mrc-zip-complete”);section.find(“.fmcty-field-validation”).remove();if (result.content.length > 0) {for (var i = 0; i ‘ + autocomplete_item + ‘‘);}} else {autocomplete_results.append(‘

  • Sorry, no results found
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    VA Home Loans for Veterans and Military

    [] VA Home Loans for Veterans and Military | Veterans United Home Loans Skip to Content

    3,116 Veterans received a personalized quote in the past 24 hours.

    Without military experience most loans require at least 3% down.Get More Information →]]]]]]>]]]]>]]>

    “,”required”: true,”value” : 1,},”down_payment_notice_html” : {“type”: “html”,”content” : “

    Without military experience most loans require at least 3% down.

    “},”down_payment_notice_nb” : {“type”: “hidden”,”label” : “

    Without military experience most loans require at least 3% down.

    We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

    Get More Information →“,”required”: true,”value” : 1,},”down_payment_notice_html_nb” : {“type”: “html”,”content” : “

    Without military experience most loans require at least 3% down.

    We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

    “},”property_search” : {“label” : “Where are you looking to buy?”,”description” : “City or Zip Code”,”type”: “text”,”invalidMsg”: “Please enter a valid location.”,”placeholder” : “City or Zip Code”,”attr”: “autocomplete=”off” aria-describedby=”v4_lp_init_prop_search_instr” aria-owns=”v4_lp_prop_search_results_box” aria-expanded=”false” aria-autocomplete=”both””},”property_zip” : {“type”: “hidden”},”property_city” : {“type”: “hidden”},”property_state” : {“type” : “hidden”,”required” : true,”invalidMsg”: “Please enter a valid US location.”},”property_state_select” : {“label”: “Where will you be living?”,”type” : “select”,”required” : true,”attr”: “autocomplete=”fmcty_off””,”placeholder” : “Select the property location…”,”onChange” : “setPropertyState”,”options” : [[ “AL” , “Alabama” ],[ “AK” , “Alaska” ],[ “AZ” , “Arizona” ],[ “AR” , “Arkansas” ],[ “CA” , “California” ],[ “CO” , “Colorado” ],[ “CT” , “Connecticut” ],[ “DE” , “Delaware” ],[ “DC” , “District of Columbia” ],[ “FL” , “Florida” ],[ “GA” , “Georgia” ],[ “HI” , “Hawaii” ],[ “ID” , “Idaho” ],[ “IL” , “Illinois” ],[ “IN” , “Indiana” ],[ “IA” , “Iowa” ],[ “KS” , “Kansas” ],[ “KY” , “Kentucky” ],[ “LA” , “Louisiana” ],[ “ME” , “Maine” ],[ “MD” , “Maryland” ],[ “MA” , “Massachusetts” ],[ “MI” , “Michigan” ],[ “MN” , “Minnesota” ],[ “MS” , “Mississippi” ],[ “MO” , “Missouri” ],[ “MT” , “Montana” ],[ “NE” , “Nebraska” ],[ “NV” , “Nevada” ],[ “NH” , “New Hampshire” ],[ “NJ” , “New Jersey” ],[ “NM” , “New Mexico” ],[ “NY” , “New York” ],[ “NC” , “North Carolina” ],[ “ND” , “North Dakota” ],[ “OH” , “Ohio” ],[ “OK” , “Oklahoma” ],[ “OR” , “Oregon” ],[ “PA” , “Pennsylvania” ],[ “RI” , “Rhode Island” ],[ “SC” , “South Carolina” ],[ “SD” , “South Dakota” ],[ “TN” , “Tennessee” ],[ “TX” , “Texas” ],[ “UT” , “Utah” ],[ “VT” , “Vermont” ],[ “VA” , “Virginia” ],[ “WA” , “Washington” ],[ “WV” , “West Virginia” ],[ “WI” , “Wisconsin” ],[ “WY” , “Wyoming” ]],”disabledOptions” : false},”state_unavailable_notice” : {“type”: “hidden”,”required”: true},”state_unavailable_notice_html” : {“type”: “html”,”content” : “

    New York Homebuyers:

    Due to state regulations, we are not able to accept home loan inquiries for New York properties on this site. If you are interested in a property in another area, you may hit Back and enter a different location.

    “},”when_loan” : {“label”: “When are you planning to make your home purchase?”,”type” : “radio”,”required” : true,”placeholder” : “Select your timeframe…”,”options” : [[ “signed purchase agreement” , “Immediately: Signed a Purchase Agreement” ],[ “offer pending” , “ASAP: Found a House/Offer Pending” ],[ “within a month” , “Within 30 Days” ],[ “2 to 3 months” , “2 – 3 Months” ],[ “3 to 6 months” , “3 – 6 Months” ],[ “over 6 months” , “6+ Months” ],[ “no time frame” , “No Time Frame/Still Researching Options” ]]},”preventing_loan” : {“label”: “What prevents you from buying your new home today?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “credit” , “My credit rating is too low” ],[ “income” , “My income is too low” ],[ “under_lease” , “I am locked in a rent/lease” ],[ “new_city” , “I am transferring to a new location” ],[ “still_looking” , “I haven’t found a home yet”],[ “other” , “Other” ]]},”property_value” : {“label”: “What is your price range?”,”description”: “(An estimate is fine)”,”type” : “radio”,”required” : true,”options” : [[ “700001” , “$700K or more” ],[ “700000” , “$600K – $700K” ],[ “600000” , “$500K – $600K” ],[ “500000” , “$400K – $500K” ],[ “400000” , “$350K – $400K” ],[ “350000” , “$300K – $350K” ],[ “300000” , “$250K – $300K” ],[ “250000” , “$200K – $250K” ],[ “200000” , “$150K – $200K” ],[ “150000” , “$100K – $150K” ],[ “90000”, “under $100K” ],[ “150001” , “I don’t know”]],”onChange” : “calculateDownPayment”,},”home_value” : {“label”: “What is the value of your home?”,”description”: “(An estimate is fine)”,”type” : “currency”,”required” : true,”attr”: “size=”11″ maxlength=”11″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid dollar amount.”,”onChange”: “calcRefiLtv”,},”down_payment” : {“label”: “How much of a down payment would you like to make?”,”description”: “”,”type” : “radio”,”required” : true,”options” : [[ “0” , “0%” ],[ “3.5” , “3.5%” ],[ “5” , “5%” ],[ “10” , “10%” ],[ “15” , “15%” ],[ “20” , “20%” ],[ “21” , “More than 20%” ]]},”credit_rating” : {“label”: “What is your current credit score?”,”description” : “”,”type” : “radio”,”required” : true,”options” : [[“Excellent” , “Excellent (720+)”],[“Good” , “Good (680-719)”],[“Fair” , “Fair (640-679)”],[“Below Average” , “Below Average (620-639)”],[“Poor” , “Poor (Below 620)”],[“unknown” , “I don’t know”]],},”current_rate” : {“label”: “What is your current mortgage interest rate?”,”type” : “select”,”required” : true,”placeholder” : “Select your current interest rate…”,”options” : [[ “2.99” , “under 3%” ],[ “3” , “3%” ],[ “3.125” , “3.125%” ],[ “3.25” , “3.25%” ],[ “3.375” , “3.375%” ],[ “3.5” , “3.5%” ],[ “3.625” , “3.625%” ],[ “3.75” , “3.75%” ],[ “3.875” , “3.875%” ],[ “4” , “4%” ],[ “4.125” , “4.125%” ],[ “4.25” , “4.25%” ],[ “4.375” , “4.375%” ],[ “4.5” , “4.5%” ],[ “4.625” , “4.625%” ],[ “4.75” , “4.75%” ],[ “4.875” , “4.875%” ],[ “5” , “5%” ],[ “5.125” , “5.125%” ],[ “5.25” , “5.25%” ],[ “5.375” , “5.375%” ],[ “5.5” , “5.5%” ],[ “5.625” , “5.625%” ],[ “5.75” , “5.75%” ],[ “5.875” , “5.875%” ],[ “6” , “6%” ],[ “6.125” , “6.125%” ],[ “6.25” , “6.25%” ],[ “6.375” , “6.375%” ],[ “6.5” , “6.5%” ],[ “6.625” , “6.625%” ],[ “6.75” , “6.75%” ],[ “6.875” , “6.875%” ],[ “7” , “7%” ],[ “7.125” , “7.125%” ],[ “7.25” , “7.25%” ],[ “7.375” , “7.375%” ],[ “7.5” , “7.5%” ],[ “7.625” , “7.625%” ],[ “7.75” , “7.75%” ],[ “7.875” , “7.875%” ],[ “8” , “8%” ],[ “8.125” , “8.125%” ],[ “8.25” , “8.25%” ],[ “8.375” , “8.375%” ],[ “8.5” , “8.5%” ],[ “8.625” , “8.625%” ],[ “8.75” , “8.75%” ],[ “8.875” , “8.875%” ],[ “9” , “9%” ],[ “9.125” , “9.125%” ],[ “9.25” , “9.25%” ],[ “9.375” , “9.375%” ],[ “9.5” , “9.5%” ],[ “9.625” , “9.625%” ],[ “9.75” , “9.75%” ],[ “9.875” , “9.875%” ],[ “10” , “10%” ],[ “10.01” , “over 10%” ],[ “5.01” , “I don’t know” ]]},”balance” : {“label”: “How much do you currently owe on your home mortgage?”,”type” : “currency”,”required” : true,”attr”: “size=”11″ maxlength=”11″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid dollar amount.”,”onChange”: “calcRefiLtv”,},”refi_ltv” : {“type”: “hidden”,”onChange”: “calcRefiTotalLoanAmount”},”refi_total_loan_amount” : {“type”: “hidden”},”refi_ltv_message” : {“type”: “hidden”,”label” : “

    Based on the information provided, your loan-to-value ratio is too high for a Cash-Out refinance with Veterans United.
    Learn more about VA Cash-Out Refinancing

    Would you still like to see if we can lower your interest rate?

    “,”required”: true,”value” : 1},”ny_opq_message” : {“type”: “hidden”,”label” : “

    Thank you for coming to Veterans United Home Loans! To continue your home loan request, please continue to our secure, online mortgage preapproval system.

    Get Preapproved Online →“,”required”: true,”value” : 1,},”tx_cashout_message” : {“type”: “radio”,”label” : “

    Due to state restrictions, we do not offer cash-out or debt consolidation refinances in the state of Texas.

    Would you still like to see if we can lower your interest rate?

    “,”required”: true,”class” : “field-stacked”,”options” : [[ “1” , “Yes, continue” ],],”onChange” : “txCashout”},”currentva” : {“label”: “Do you currently have a VA Loan?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes, I currently have a VA loan” ],[ “no” , “No, I do not currently have a VA Loan” ]]},”property_type” : {“label”: “What type of property are you buying?”,”type” : “radio”,”required” : true,”options” : [[ “single” , “Single-Family Home” ],[ “condominium” , “Condominium” ],[ “townhome” , “Town Home” ],[ “multifamily” , “Multi-Family” ],[ “manufactured” , “Mobile / Manufactured” ],[ “new construction” , “New Construction” ],[ “other” , “Other” ]]},”manufactured_own” : {“label”: “Will you own or rent the land your home is on?”,”description” : “Your lender will use this information to determine what kind of loan is right for you.”,”type” : “radio”,”required” : true,”options” : [[ “own” , “Own” ],[ “rent” , “Rent” ]]},”property_use” : {“label”: “How will this property be used?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “primary” , “Primary Residence” ],[ “secondary” , “Secondary / Vacation Home” ],[ “investment” , “Investment Property” ],[ “other” , “Other” ]]},”living_situation” : {“label”: “Do you currently own a home?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “own” , “Yes, I currently own a home” ],[ “rent” , “No, I am currently renting” ],[ “other” , “No, I have other living arrangements” ]]},”email” : {“label” : “What is your email address?”,”description” : “”,”type”: “email”,”required”: true,”placeholder” : “email@example.com”,”invalidMsg”: “Please enter a valid email address.”,”doNotTrack”: true},”name_label” : {“type”: “html”,”content” : “

    What is your name?

    “},”first_name” : {“label” : “First Name:”,”type”: “text”,”required”: true,”placeholder” : “First”,”invalidMsg”: “Please enter your first name.”,”doNotTrack”: true},”last_name” : {“label” : “Last Name:”,”type”: “text”,”required”: true,”placeholder” : “Last”,”invalidMsg”: “Please enter your last name.”,”doNotTrack”: true},”address_label” : {“type”: “html”,”content” : “

    What is your current street address and ZIP?

    “},”address” : {“label” : “Street Address:”,”description” : “”,”type”: “text”,”required”: true,”placeholder” : “Street Address”,”invalidMsg”: “Please provide your current street address.”,”doNotTrack”: true},”zip” : {“label” : “ZIP Code:”,”type”: “text”,”required”: true,”placeholder” : “ZIP Code”,”attr”: “size=”5″ maxlength=”5″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid 5-digit ZIP code.”},”time_at_current_address” : {“label”: “How long have you lived at this address?”,”type” : “radio”,”required” : true,”placeholder” : “Select a timeframe…”,”class” : “field-stacked”,”options” : [[ “less than 1 year” , “Less than 1 year” ],[ “1 to 2 years” , “1 – 2 Years” ],[ “2 to 5 years” , “2 – 5 Years” ],[ “over 5 years” , “5+ Years” ]]},”phone_full” : {“label” : “What is your phone number?”,”description” : “”,”type”: “tel”,”required”: true,”placeholder” : “(    )     -“,”invalidMsg”: “Please enter a valid phone number.”,”doNotTrack”: true},”vuhlagree_preamble” : {“type”: “html”,”content” : “

    By submitting, I acknowledge, consent and agree to the terms listed below.

    “},”vuhlagree” : {“type”: “html”,”content” : “By submitting, I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.”},”vuhlagree_checkbox” : {“type”: “checkbox”,”value” : 1,”required”: true,”invalidMsg”: “Check the box above to continue online. You may alternatively call us at 1-800-884-5560 to move ahead.”,”label” : “I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.”},”opq” : {“label”: “You’re almost there! How would you like to proceed?”,”type” : “radio”,”required” : true,”invalidMsg”: “Please tell us how you would like to proceed.”,”options” : [[ “no” , “Request a Call” ],[ “yes” , “Continue Online” ]]},”secure_label” : {“type” : “html”,”content” : “SECURE FIELD: Protected by 256-bit SSL Encryption”},”gross_income” : {“label”: “What is your household gross (before taxes) annual income?”,”type” : “radio”,”required” : true,”placeholder” : “Select your gross household income…”,”invalidMsg”: “Please select the total gross (before taxes) annual income for your household.”,”options” : [[ ‘200001’, ‘Greater than $200,000’ ],[ ‘200000’, ‘$150,000 – $200,000’ ],[ ‘150000’, ‘$100,000 – $150,000’ ],[ ‘100000’, ‘$75,000 – $100,000’ ],[ ‘75000’ , ‘$50,000 – $75,000’ ],[ ‘50000’ , ‘$30,000 – $50,000’ ],[ ‘30000’ , ‘Less than $30,000’ ],]},”bankruptcy” : {“label”: “Have you declared bankruptcy in the past 2 years?”,”type” : “radio”,”required” : true,”placeholder” : “Select a response…”,”invalidMsg”: “Please select your bankruptcy status.”,”class” : “field-stacked”,”options” : [[ ‘Never’ , ‘No’ ],[ ‘Currently’ , ‘Yes’ ]]},”occupational_status” : {“label”: “What is your current employment status?”,”type” : “radio”,”required” : true,”placeholder” : “Select your employment status…”,”invalidMsg”: “Please select your current employment status.”,”class” : “field-stacked”,”options” : [[‘Employed’, ‘Employed’],[‘Self-Employed’ , ‘Self-Employed / 1099 Independent Contractor’],[‘Retired’ , ‘Retired’],[‘Not-Employed’, ‘Not Employed’]]},”occupational_industry” : {“label”: “In which industry are you employed?”,”type” : “radio”,”required” : true,”placeholder” : “Select your employment industry…”,”invalidMsg”: “Please select your current employment industry.”,”options” : [[‘Agriculture’, ‘Agriculture’],[‘Construction’ , ‘Construction’],[‘Education’, ‘Education’ ],[‘Engineering’, ‘Engineering’ ],[‘Hospitality’, ‘Food & Hospitality’ ],[‘Finance’, ‘Finance’ ],[‘Healthcare’ , ‘Healthcare’ ],[‘IT’ , ‘Information Technology’ ],[‘LawEnforcementPublicSafety’, ‘Law Enforcement / Safety’ ],[‘Transportation’, ‘Transportation / Logistics’ ],[‘Other’, ‘Other’]]},”marital_status” : {“label”: “What is your current marital status?”,”type” : “radio”,”required” : true,”placeholder” : “Select your marital status…”,”invalidMsg”: “Please select your current marital status.”,”options” : [[‘Married’ , ‘Married’],[‘Unmarried’ , ‘Unmarried’],[‘Legally Separated’ , ‘Legally Separated’],[‘Widowed’, ‘Widowed’],[‘Other’, ‘Other’],[‘unknown’, ‘I’d rather not say’]]},”has_real_estate_agent” : {“label”: “Are you currently working with a real estate agent?”,”type” : “radio”,”required” : true,”placeholder” : “Select a response…”,”invalidMsg”: “Please select a response.”,”class” : “field-stacked”,”options” : [[‘no’, ‘No, I do not have an agent’],[‘yes’ , ‘Yes, I have an agent’]]},”wants_real_estate_agent” : {“label”: “Do you need a real estate agent?”,”type” : “radio”,”required” : true,”description” : “Earn up to $1,875* credit at closing when you also work with a Veterans United Realty network agent!”,”invalidMsg”: “Please select a response.”,”class” : “field-stacked”,”options” : [[‘yes’ , ‘Yes, I need an agent (Recommended)’],[‘no’, ‘No, I already have an agent’],[‘na’, ‘Skip this question’]]},”vur_offer_disclaimer” : {“label”: “*Credit amounts vary based on factors including loan amount, restrictions apply.”,”type” : “hidden”},”cash_out” : {“label” : “Would you like to use your home’s equity to borrow additional cash?”,”type”: “radio”,”required”: true,”options” : [[ “yes” , “Yes” ],[ “no”, “No” ]]},”cash_out_amount” : {“label” : “How much additional cash would you like to take out?”,”description” : “You may be able to take out as much as $325,000.”,”type”: “number_slider”,”required”: true,”mask”: “number”,”attr”: “size=”11″ maxlength=”11″ pattern=”[0-9]*””,”min” : “0”,”max” : 325000,”step”: 500,”value” : “0”,”onChange”: “calcRefiTotalLoanAmount”},”first_time” : {“label” : “Is this your first time buying a home?”,”type”: “radio”,”required”: true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes” ],[ “no”, “No” ]]},”sell_before_purchase” : {“label” : “Will you sell your current home?”,”type”: “radio”,”required”: true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes” ],[ “no”, “No” ]]},”renting_end_date_label” : {“type”: “html”,”content” : “

    When does your lease end?

    “},”renting_end_date_month” : {“label” : “Month:”,”type”: “select”,”required”: true,”placeholder” : “Month”,”invalidMsg”: “Please select a month.”,”options” : [[ “01” , “01 – January” ],[ “02” , “02 – February” ],[ “03” , “03 – March” ],[ “04” , “04 – April” ],[ “05” , “05 – May” ],[ “06” , “06 – June” ],[ “07” , “07 – July” ],[ “08” , “08 – August” ],[ “09” , “09 – September” ],[ “10” , “10 – October” ],[ “11” , “11 – November” ],[ “12” , “12 – December” ],[ “99” , “Other / No End Date” ]]},”renting_end_date_year” : {“label” : “Year:”,”type”: “select”,”required”: true,”placeholder” : “Year”,”invalidMsg”: “Please select a valid date in the future.”,”options” : [[ “2023” , “2023” ],[ “2024” , “2024” ],[ “2025” , “2025” ],[ “2026” , “2026” ],[ “2027” , “2027” ],[ “2028” , “2028+” ],[ “9999” , “Other / No End Date” ]]},”current_rent_amount” : {“label”: “What is your current monthly rent payment?”,”type” : “currency”,”placeholder” : “”,”required” : true,”attr”: “size=”9″ maxlength=”9″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid dollar amount.”,},”desired_payment” : {“label” : “What is your desired monthly payment?”,”description” : “Enter a monthly payment, including taxes and insurance, that feels comfortable in your budget. An estimate is fine.”,”type”: “currency”,”required”: true,”placeholder” : “”,”invalidMsg”: “Please enter a valid dollar amount.”,”attr”: “size=”9″ maxlength=”9″ pattern=”[0-9]*””,},”twilio_phone” : {“label” : “What is your phone number?”,”type”: “tel”,”required”: true,”placeholder” : “(    )     -“,”invalidMsg”: “Please enter a valid phone number.”,”doNotTrack”: true,},”phone_resend_label” : {“type”: “html”,”content” : “Didn’t get a code?”},”phone_resend_text” : {“label” : “”,”type”: “radio”,”class” : “inline-link”,”required”: false,”options” : [[ “text” , “Resend code” ],],”onChange”: “resendCodeText”,},”phone_resend_call” : {“label” : “”,”type”: “radio”,”class” : “inline-link”,”required”: false,”options” : [[ “call” , “Call me with a code” ],],”onChange”: “resendCodeCall”,},”phone_verify_code” : {“label” : “Verification Code”,”description” : “Please enter the 4-digit code that was sent to you.”,”type”: “text”,”attr”: “inputmode=”numeric” autocomplete=”one-time-code” maxlength=”4″ pattern=”[0-9]*””,”required”: true,”placeholder” : ‘0000’,”invalidMsg”: “Please enter the code sent.”,},”previous_customer” : {“label” : “Have you closed a loan with Veterans United before?”,”type”: “radio”,”required”: true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes” ],[ “no” , “No” ],]},”vu_referrer” : {“label” : “How did you hear about Veterans United?”,”type”: “radio”,”required”: true,”options” : [[ “friend or family” , “Friend or Family Member” ],[ “real estate agent” , “Real Estate Agent” ],[ “builder” , “My Builder” ],[ “internet search” , “Internet Search” ],[ “online ad” , “Online Advertisement” ],[ “tv or radio” , “TV or Radio Ad” ],[ “direct mail” , “Direct Mail” ],[ “other” , “Other” ]]},”disability_rating” : {“label”: “Do you have a disability rating of 10% or higher from the VA?”,”description” : “Your disability rating may exempt you from the VA Funding Fee, a governmental fee applied to every VA purchase and refinance loan. This fee goes directly to the Department of Veterans Affairs.“,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes” ],[ “no” , “No” ],[ “unknown” , “I’d rather not say” ]]},”disability_income” : {“label”: “Are you currently receiving VA Disability Income?”,”description” : “Your receipt of VA disability income may help us determine other benefits of your VA loan.”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes” ],[ “no” , “No” ],[ “unknown” , “I’d rather not say” ]]},”current_loan_type” : {“label” : “What type of loan is your current mortgage?”,”type” : “radio”,”required” : true,”options” : [[“Conventional” , “Conventional”],[“VA” , “VA”],[“FHA” , “FHA”],[“USDA” , “USDA”],[“none” , “No current mortgage”],[“unknown” , “I don’t know”]]},”previous_va_loan” : {“label” : “Have you ever used a VA Loan before?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[“yes” , “Yes”],[“no” , “No”]]},”paddio” : {“label” : 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.fmcty-section[data-fmcty-section=”phone-verify-code”]’).removeClass(‘fmcty-section-waiting’);},1);Fmcty[form_id].next(false);} else {if(rx.test(phoneValue) && ! Fmcty[form_id].phoneCheckInProgress){Fmcty[form_id].phoneCheckInProgress = true;$.ajax({url: “/ajax/twilio_phone_lookup.php?phone=” + phoneValue,dataType: ‘json’,success: function(res){if(res.carrier_type != ‘invalid’){Fmcty[form_id].verifiedCarrierType = res.carrier_type;Fmcty[form_id].verifiedPhone = phoneValue;data.form.find(‘input[name=”phone_full”]’).val(data.values.twilio_phone).trigger(‘change’);Fmcty.fn.sendVerification(data);} else {data.input.invalid();}data.input.closest(‘.fmcty-section’).removeClass(‘fmcty-section-waiting’);Fmcty[form_id].phoneCheckInProgress = false;},error: function(res){data.input.closest(‘.fmcty-section’).removeClass(‘fmcty-section-waiting’);data.input.invalid();}});} else {setTimeout(function() {data.input.closest(‘.fmcty-section’).removeClass(‘fmcty-section-waiting’);data.input.invalid();},1);}};};Fmcty.fn.resendCodeText = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.resendCodeCall = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.showOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest(‘.fmcty-form’).find(‘.fmcty-section[data-fmcty-section=”phone”] .fmcty-submit’).html(‘Continue’);return false;};Fmcty.fn.hideOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest(‘.fmcty-form’).find(‘.fmcty-section[data-fmcty-section=”phone”] .fmcty-submit’).html(‘Getu0020Myu0020Quote’);return false;};Fmcty.fn.validateRentingEndDate = function(data) {var isValid = true,currMonth = 08,currYear= 2023;if (data.values) {if ( parseInt(data.values.renting_end_date_month) ‘).appendTo(prop_search.parent());}if ( ! autocomplete.length ) {autocomplete = $(”).appendTo(‘#’ + form_id + ‘_prop_search_results_box’);}var autocomplete_results = autocomplete.find(‘.fmcty-autocomplete-results’);if (value.length ‘+autocomplete_item+”);}}location = result.data[0];section.find(‘#prop_search_aria_update’).text(result.data.length + ‘ location results’);section.removeClass(‘fmcty-section-waiting mrc-section-waiting’).addClass(‘mrc-zip-complete’);prop_search.closest(‘.fmcty-field’).addClass(‘fmcty-field-focused’);prop_search.attr(‘aria-expanded’, ‘true’);section.find(‘.fmcty-field-validation’).remove();location_display = “”;if (location.PLACENAME) {location_display += location.PLACENAME+”, “;prop_city.val(location.PLACENAME).trigger(‘change’);} else {prop_city.val(”).trigger(‘change’);}if (location.STATEABBV) {location_display += location.STATEABBV;prop_state.val(location.STATEABBV).trigger(‘change’);} else {prop_state.val(”).trigger(‘change’);}if (location.ZIPCODE) {prop_zip.val(location.ZIPCODE).trigger(‘change’);} else {prop_zip.val(”).trigger(‘change’);}if (location.type === “zip”) {location_display = location.ZIPCODE+”, ” + location_display;}var location_display_partial = location_display.slice(0, value.length),value_regex = new RegExp(value.replace(/[.-dws]+/g, ‘$&’), ‘i’),location_regex = new RegExp(location_display_partial.replace(/[.-dws]+/g, ‘$&’), ‘i’),location_result = location_regex.test(value_regex);if (location_result) {location_display = value + location_display.slice(value.length);} else {location_display = “”;}result_display.val(location_display);} else {section.removeClass(‘fmcty-section-waiting mrc-section-waiting’).removeClass(‘mrc-zip-complete’);prop_search.attr(‘aria-expanded’, ‘false’);section.find(‘#prop_search_aria_update’).text(”);prop_zip.val(”).trigger(‘change’);prop_city.val(”).trigger(‘change’);prop_state.val(”).trigger(‘change’);result_display.val(”);section.find(‘.fmcty-ajax-result-description’).remove();}},function(result) {if (result.statusText && result.statusText === “error”) {section.removeClass(‘fmcty-section-waiting mrc-section-waiting’).removeClass(‘mrc-zip-complete’);prop_search.attr(‘aria-expanded’, ‘false’);prop_state.val(‘fail’).trigger(‘change’);section.find(‘.fmcty-ajax-result-description’).remove();} else {prop_zip.val(”).trigger(‘change’);prop_city.val(”).trigger(‘change’);prop_state.val(”).trigger(‘change’);result_display.val(”);}});};Fmcty.fn.setPropertyState = function(Fmcty,input,value,values,event) {var form;if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */form= Fmcty.form;value = Fmcty.value;} else {form = input.closest(‘.fmcty-form’);}form.find(‘input[name=”property_state”]’).val(value).trigger(‘change’);form.find(‘input[name=”property_city”]’).val(”).trigger(‘change’);};if (Fmcty.values) {var prop_search_val = “”;if (Fmcty.values.property_zip) {prop_search_val = Fmcty.values.property_zip;if (Fmcty.values.property_city) {prop_search_val += “, “;}}if (Fmcty.values.property_city) {prop_search_val += Fmcty.values.property_city;if (Fmcty.values.property_state) {prop_search_val += “, ” + Fmcty.values.property_state;}}Fmcty.values.property_search = prop_search_val;}Fmcty.fn.calcRefiLtv = function(data){Fmcty.fn.calcRefiTotalLoanAmount(data);if (!data.values.home_value || !data.values.balance || data.values.home_value == 0) {return;}var homeVal = parseInt(data.values.home_value),balance = parseInt(data.values.balance),ltv = Math.round(balance / homeVal * 100),cashOutMax = Math.round((homeVal * .9 ) – balance);if (cashOutMax > 325000){cashOutMax = 325000;} else if (cashOutMax cashOutMax) {data.form.find(‘[name=”cash_out_amount”]’).val(cashOutMax).trigger(‘change’);}data.form.find(‘[name=”refi_ltv”]’).val(ltv).trigger(‘change’);data.form.find(‘.fmcty_max_cash_out’).text(String(cashOutMax).replace(/(.)(?=(d{3})+$)/g,’$1,’));};Fmcty.fn.calcRefiTotalLoanAmount = function(data){var balance = parseInt(data.values.balance) || 0,cashout = parseInt(data.values.cash_out_amount) || 0;data.form.find(‘[name=”refi_total_loan_amount”]’).val(balance + cashout).trigger(‘change’);};Fmcty.fn.txCashout = function(data){data.form.find(‘input[name=”refi_reason”]’).prop(‘checked’,false).trigger(‘change’).filter(‘[value=”rate”]’).prop(‘checked’,true).trigger(‘change’);};Fmcty.fn.submitFn = function(data){var response = data;if (data.response) {response = data.response; /* Fmcty 2.0 conversion */}if (data.values) {Fmcty.fn.recordLeadFeed(data.values);}if (response && response.return_url) {window.location = response.return_url;}};Fmcty.fn.recordLeadFeed = function(values){if (values && values.first_name && values.property_city){var badNames = [“test”,”fuck”,”fucker”,”shit”,”bitch”,”nigger”,”no”,”none”];if(jQuery.inArray(values.first_name.toLowerCase(), badNames) === -1) {$.ajax({type: “POST”,url: “https://webhook.proofapi.com/cw/s8PWk6DsvxQ1kIlMHomPRJK4BRE2/-M78Glw6aeb1hgoWfTvm”,dataType: “json”,data: {“type” : “custom”,”first_name” : values.first_name,”email” : values.first_name+values.zip+Math.floor((Math.random() * 1000) + 1)+”@example.com”,”city”: values.property_city,”state”: values.property_state,”country”: “United States”,},success: function(response) {},error: function(response) {},});}}};Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRngCookie = function(data){var cookieName = “rngFormData”;var lifetime =30;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRngFormValues = function(data){var values = data.values;var cookie = Fmcty.fn.checkRngCookie(‘rngFormData’);var rngData = {};rngData.cookieTimeStamp = new Date();rngData.currentField = $(data.section).attr(‘data-fmcty-section’);var session = Fmcty.fn.newSession(values);rngData.progress = [];if (typeof cookie !== ‘undefined’) {rngData.refreshCount = cookie.refreshCount;if(typeof cookie.progress !== ‘undefined’) {rngData.progress = cookie.progress;}} else {rngData.refreshCount = 0;}if(window.sessionStorage.isNewSession != ‘false’ || typeof window.sessionStorage.inNewSession === ‘undefined’) {rngData.progress.push(JSON.parse(session));}$.each(values,function(key,value){if ($.inArray(key,Fmcty.rngFields) !== -1){rngData[key] = value;}});Fmcty.fn.createRngCookie(rngData);};Fmcty.fn.deleteRngValues = function() {var cookieName = “rngFormData”;Fmcty.fn.createCookie(cookieName,””,-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = “; expires=”+date.toGMTString();}else var expires = “”;document.cookie = name+”=”+value+expires+”; path=/”;};Fmcty.fn.checkRngCookie = function(name) {const value = `; ${document.cookie}`;const parts = value.split(`; ${name}=`);if (parts.length === 2) return $.parseJSON(atob(parts.pop().split(‘;’).shift()));};Fmcty.fn.newSession = function(data) {window.sessionStorage.isNewSession = false; var date = new Date();var nextSection = Fmcty.fn.findNextSection(Object.keys(data));return ‘{“timestamp”:”‘+date.toLocaleString().replace(/[^ -~]/g,”)+'”, “nextSection”:”‘+nextSection+'”, “src”:”‘+data.src+'”, “cmp”:”‘+data.cmp+'”}’;};Fmcty.fn.findNextSection = function(prefilledFields) {var form = $(‘#v4_lp’);var fieldClasses = prefilledFields.map(function(field) {return ‘.field-‘ + field;});fieldClasses.push(‘.fmcty-field-hidden, .fmcty-field-hidden-input:not(.field-ny_opq_message), .fmcty-field-html, .fmcty-field-submit, .fmcty-field-next, .fmcty-field-prev’);var nextSection = form.find(‘.fmcty-field’).not(fieldClasses.join(‘, ‘)).first().closest(‘.fmcty-section’);return nextSection.parent().children().index(nextSection) + 1;};addEventListener(‘beforeunload’, (event) => {var data = Fmcty.fn.checkRngCookie(‘rngFormData’);if(!data) {} else {data.refreshCount++;Fmcty.fn.createRngCookie(data);}});Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRldCookie = function(data){var cookieName = “rldFormData”;var lifetime =1;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRldFormValues = function(data){var values = data.values;var rldData = {};rldData.cookieTimeStamp = new Date();rldData.currentField = $(data.section).attr(‘data-fmcty-section’);$.each(values,function(key,value){if ($.inArray(key,Fmcty.rldFields) !== -1){rldData[key] = value;}});Fmcty.fn.createRldCookie(rldData);};Fmcty.fn.deleteRldValues = function() {var cookieName = “rldFormData”;Fmcty.fn.createCookie(cookieName,””,-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = “; expires=”+date.toGMTString();}else var expires = “”;document.cookie = name+”=”+value+expires+”; path=/”;};Fmcty.fn.setBindings = function(form_var){form_var.on(“fmcty:next fmcty:prev”,function(e,data){var scrollTop = $(document).scrollTop(),formTop = $(‘#v4_lp’).offset().top;if ( scrollTop > formTop ) {$(“html, body”).animate({scrollTop:formTop},500)}});form_var.on(“fmcty:next”,function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== ‘undefined’) {ga(‘vuhlga.send’, {hitType: ‘event’,eventCategory: ‘Formocity: #v4_lp’,eventAction: ‘Advance To Section’,eventLabel: $(elem).data(‘fmctySection’)});}});form_var.on(“fmcty:prev”,function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== ‘undefined’) {ga(‘vuhlga.send’, {hitType: ‘event’,eventCategory: ‘Formocity: #v4_lp’,eventAction: ‘Back To Section’,eventLabel: $(elem).data(‘fmctySection’)});}});form_var.on(“fmcty:change”,function(e,data){if (window.dataLayer && data && data.input_name && ( data.input_name === “property_value” || data.input_name === “home_value” ) ) {var adValue = parseInt(data.value) / 1000;window.dataLayer.push({event : “adValue”,adValue : adValue});}});form_var.on(“fmcty:submit”,function(e,data){var values;if (data.values) {values = data.values;} else {values = data;}if (typeof ga !== ‘undefined’) {ga(‘vuhlga.send’, {hitType: ‘event’,eventCategory: ‘Formocity: #v4_lp’,eventAction: ‘Submit’,eventLabel: values.plc + ‘ ~ ‘ + values.purpose});}if (window.dataLayer) {if ( ! ( parseInt(values.property_value) ‘).prependTo(‘#v4_lp’);progWrapper = progBar.wrap(”).parent();progText = $(”).appendTo(progWrapper);});form_var.on(‘fmcty:progress_updated’,function(e,data){var progress = data;if (data.progress) {progress = data.progress; /* Fmcty 2.0 conversion */}if (progBar && progBar.length){var progressPct = (progress.currentStep)/progress.activeSteps*100;if (isNaN(progressPct) || progressPct 100) {progressPct = 100;}progBar.css(‘transform’, ‘translateX(-‘ + (100-progressPct) + ‘%)’);if (progress.currentStep > 1) {progWrapper.addClass(‘fmcty-progress-bar-active’);} else {progWrapper.removeClass(‘fmcty-progress-bar-active’);}}});form_var.on(“fmcty:progress_updated”,function(e,data){if (data.progress.currentStep > 1) {$(‘body’).addClass(‘form-started form-engaged’);data.container.addClass(‘fmcty-started fmcty-engaged’);} else {$(‘body’).removeClass(‘form-started’);data.container.removeClass(‘fmcty-started’);}});form_var.on(‘fmcty:section_complete’, function(e, data){if (data.section.attr(‘data-fmcty-section’) == ’email’){if(Fmcty.v4_lp) {var values = Fmcty.v4_lp.values;$.post(“/v3/marketo_partial.php”, values);}}});var plc = form_var.data(‘fmctyPlc’);if (plc && window.mrcFormConfig && window.mrcFormConfig.inputs && window.mrcFormConfig.inputs.plc) {window.mrcFormConfig.inputs.plc.value = plc;}form_var.on(‘fmcty:ready’,function(e,data) {var autocomplete_click = false;function autoAdvanceSection (section) {var hasAutoAdvance = !(section.data(‘fmcty-auto-advance’) === false);if (hasAutoAdvance) {Fmcty[‘v4_lp’].next();}}form_var.find(‘[name=”property_search”]’).not(‘[type=”hidden”]’).closest(‘.fmcty-field’).append(‘

    When autocomplete results are available use up and down arrows to review and enter to select.

    ‘ );form_var.on(‘click’,’.fmcty-autocomplete-result’,function(e) {e.preventDefault();var link= $(this),section = link.closest(‘.fmcty-section’),hint= section.find(‘.fmcty-autocomplete-placeholder’),prop_search = section.find(‘input[name=”property_search”]’),prop_zip= section.find(‘input[name=”property_zip”]’),prop_state= section.find(‘input[name=”property_state”]’),prop_city = section.find(‘input[name=”property_city”]’);prop_zip.val(link.data(‘zip’)).trigger(‘change’);prop_city.val(link.data(‘city’)).trigger(‘change’);prop_state.val(link.data(‘state’)).trigger(‘change’);prop_search.val(link.text());hint.val(link.text());section.find(‘#prop_search_aria_update’).text(hint.val() + ‘ selected’);section.removeClass(‘mrc-zip-complete’);prop_search.attr(‘aria-expanded’, ‘false’);if ( ” == ‘standard’ ) {prop_search.focus().closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);} else {autoAdvanceSection(section);}}).on(‘mousedown’,’.fmcty-autocomplete-result’, function(e) {autocomplete_click = true;});form_var.find(‘[name=”property_search”]’).not(‘[type=”hidden”]’).wrap(”).on(‘focus’,function(e){var link = $(this),section = link.closest(‘.fmcty-section’);link.closest(‘.fmcty-field’).addClass(‘fmcty-field-focused’);if (section.hasClass(‘mrc-zip-complete’)) {prop_search.attr(‘aria-expanded’, ‘true’);}}).on(‘blur’,function(e){var link= $(this),section = link.closest(‘.fmcty-section’),prop_search = section.find(‘input[name=”property_search”]’);if(autocomplete_click) {autocomplete_click = false;form_var.on(‘mouseup’, function() {$(link).closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);prop_search.attr(‘aria-expanded’, ‘false’);$(this).off(‘mouseup’);});} else {$(link).closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);prop_search.attr(‘aria-expanded’, ‘false’);}}).on(‘keydown’,function(e){if(e.which === 13) {e.preventDefault();e.stopImmediatePropagation();}}).on(‘keyup’,function(e) {var input = $(this),section = input.closest(‘.fmcty-section’);hint= section.find(‘.fmcty-autocomplete-placeholder’),prop_field= section.find(‘.field-property_search’),prop_search = section.find(‘input[name=”property_search”]’);var results = $(‘.fmcty-autocomplete-result’);section.find(‘.fmcty-autocomplete-placeholder’).val(”);switch(e.which) {case 9:break;case 13:section.removeClass(‘mrc-zip-complete’);section.find(‘#prop_search_aria_update’).text(hint.val() + ‘ selected’);if ( ” == ‘standard’ ) {prop_search.focus().closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);} else {autoAdvanceSection(section);}break;case 16:case 37:case 38:case 39:case 40:break;default:Fmcty.fn.locationLookup({“event”: e,”input”: input,”value”: input.val(),”form_id”: data.form_id,});break;}if (results.length && prop_field.hasClass(‘fmcty-field-focused’) && section.hasClass(‘mrc-zip-complete’) ) {var selected_result = results.filter(‘.hover’);results.removeClass(‘hover’).attr(‘aria-selected’, ‘false’);prop_search.removeAttr(‘aria-activedescendant’);if (e.which === 38 || e.which === 40) {var hint= section.find(‘.fmcty-autocomplete-placeholder’),prop_zip= section.find(‘input[name=”property_zip”]’),prop_state= section.find(‘input[name=”property_state”]’),prop_city = section.find(‘input[name=”property_city”]’);switch(e.which) {case 38:if (selected_result.length && selected_result.prev().length) {selected_result = selected_result.prev().addClass(‘hover’).attr(‘aria-selected’, ‘true’);prop_search.attr(‘aria-activedescendant’, selected_result.attr(‘id’));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data(‘zip’)).trigger(‘change’);prop_city.val(selected_result.data(‘city’)).trigger(‘change’);prop_state.val(selected_result.data(‘state’)).trigger(‘change’);} else {prop_search.removeAttr(‘aria-activedescendant’);}break;case 40:if (! selected_result.length) {selected_result = results.first().addClass(‘hover’).attr(‘aria-selected’, ‘true’);} else if (selected_result.next().length) {selected_result = selected_result.next().addClass(‘hover’).attr(‘aria-selected’, ‘true’);} else {selected_result = results.last().addClass(‘hover’).attr(‘aria-selected’, ‘true’);}prop_search.attr(‘aria-activedescendant’, selected_result.attr(‘id’));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data(‘zip’)).trigger(‘change’);prop_city.val(selected_result.data(‘city’)).trigger(‘change’);prop_state.val(selected_result.data(‘state’)).trigger(‘change’);break;}}}});});form_var.on(‘fmcty:ready’, function() {function check_ap() {if (typeof window.activeProspectCert !== ‘undefined’) {$(“input[name=’ap_token’]”).val(window.activeProspectCert).trigger(‘change’);} else {if(typeof loadTrustedForm == ‘function’) {loadTrustedForm();setTimeout(check_ap,1000);}}}check_ap();});form_var.on(‘fmcty:ready’, function(e,data){Fmcty.rngFields = [];var allInputs = Fmcty[data.form_id].config.inputs;Fmcty.rngFields.push(‘cookieTimeStamp’);Fmcty.rngFields.push(‘currentField’);Fmcty.rngFields.push(‘refresh’);Fmcty.rngFields.push(‘refreshCount’);Fmcty.rngFields.push(‘sessions’);$.each(allInputs,function(key,value){if((! this.doNotTrack && this.type !== “hidden” && this.type !== “html”) || key === “src” || key === “desc” || key === “cmp” || key === “curi” || key === “first_name” || key === “last_name” || key === “email” || key === “property_zip” || key === “property_state” || key === “property_city”){Fmcty.rngFields.push(key);}});});form_var.on(‘fmcty:section_complete’, function(e,data){Fmcty.fn.saveRngFormValues(data);});form_var.on(‘fmcty:submit’, function(e,data){Fmcty.fn.deleteRngValues();});form_var.on(“fmcty:section_complete”, function(e,data) {if(data.section.attr(“data-fmcty-section”) == “current-home”) {if(data.values.living_situation == “rent”) {mrcForm.find(‘[name=”purpose”][value=”P”]’).prop(‘checked’, true).trigger(‘change’);}};});};Fmcty.fn.setBindings(mrcForm);populateAddresses = function (result) {var input = $(‘input[name=”property_search_2″]’);var section = input.closest(‘.fmcty-section’);var prop_search = section.find(‘input[name=”property_search_2″]’);var prop_rupid = section.find(‘input[name=”property_rupid”]’);var autocomplete = section.find(‘.fmcty-autocomplete’);var autocomplete_results = autocomplete.find(‘.fmcty-autocomplete-results’);var placeholder = $(‘.fmcty-autocomplete-placeholder’);if (typeof result.content !== ‘undefined’) {autocomplete_results.html(“”);placeholder.html(“”);section.find(“#prop_search_aria_update”).text(result.content.length + ” location results”);section.removeClass(“fmcty-section-waiting mrc-section-waiting”).addClass(“mrc-zip-complete”);section.find(“.fmcty-field-validation”).remove();if (result.content.length > 0) {for (var i = 0; i ‘ + autocomplete_item + ‘‘);}} else {autocomplete_results.append(‘

  • Sorry, no results found
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    Buying a House in Dallas? 11 Tips from Local Real

    Buying a house can be an overwhelming process, especially in a bustling city like Dallas. The housing market is competitive and fast-paced, making it crucial to have the right guidance and expertise on your side. To help you navigate the real estate landscape in Dallas, we’ve compiled a list of 11 essential tips from local real estate agents. 

    Whether you’re a newcomer to the area or you currently rent an apartment in Dallas, this Redfin article will provide valuable insights and strategies for success in the Dallas housing market. From understanding the local market conditions to negotiating with sellers, our expert advice will help you make informed decisions and secure your dream home in Dallas. Let’s get started. 

    Dallas Skyline

    1. Get pre-approved for a mortgage

    Before you start looking at Dallas homes for sale, the most important thing you can do as a first-time buyer is to get pre-approved with a local lender. A buyer who has already completed the pre-approval process presents as a much more viable and intentional buyer than one who hasn’t completed this step. Presenting an offer with a pre-approval makes the offer much more compelling for a seller to consider and improves the odds of success. – Tami Carter | Redfin Premier Agent

    Having worked with many first-time homebuyers in Dallas, my initial advice would be to get pre-approved for a mortgage if you need a loan in order to purchase. Your Realtor, friend, co-worker, or even online sources will be happy to provide you a referral. One doesn’t necessarily have to use that specific mortgage lender for the purchase, but you must determine what you can afford. – Paul Carper | Redfin Partner Agent Carper-Miller Real Estate Group

    2. Utilize your agent’s expertise 

    First-time homebuyers should listen to their realtor, who will advise them on their different options for submitting a winning offer, such as appraisal waivers, escalation clause addenda, and perhaps paying the cost of the owner’s title insurance policy. I always arm my buyers with all their choices, so they feel more confident about the offer they submit. – Holly Bell | Redfin Premier Agent

    3. Come in ready to learn 

    Don’t assume as a first-time buyer that you should know everything – that’s far from the case. I often tell first-time buyers that they are in some ways better prepared to purchase because their eyes are open. Repeat buyers sometimes think they know how the homebuying process works, but if they haven’t bought a home in 10 years or so, the rules, market norms, and processes are very different. – Jeremy Larsen | Redfin Partner Agent, Berkshire Hathaway HomeServices

    4. Research the Dallas market

    Before buying a house in Dallas, you should research the Dallas real estate market to determine the type of property you want and the area you want to live in. This can help you understand the prices, availability, and competition in the area. – Laura-Marie Captain | Redfin Partner Agent, Century 21 Judge Fite Company

    Despite higher mortgage rates, DFW will be one of the top buyers markets in the nation this year, mostly due to a surge of homes that will go on the market. Inventory is expected to hit its peak sometime in October. For February 2023, the median home price in DFW was $384,169 (up 1.6% YOY). Active listings in February 2023 were 15,743 (up 146.7% YOY). – Glade Smith | Redfin Partner Agent, LG Realty Group

    The current housing market in DFW is changing. But it is still a competitive market. We are seeing a normalization in the DFW housing market. This means we are back to pre-pandemic inventory levels. This is good news for all buyers, especially first-time buyers because buyers now have more options. However, homes that are priced right and move-in ready are still seeing competition among buyers. Understanding when and how to react is important to secure the best home for your family. – Kelly Boulton | Redfin Partner Agent, Better Homes & Garden Winans

    how to make an offer on a house is in part knowing which contingencies will protect you

    5. Decide how much house you can afford in Dallas

    Your lender decides what you can borrow, but you decide what you can afford. Lenders are careful, but they make qualification decisions based on averages and formulas. They won’t understand the nuances of your lifestyle and spending patterns quite as well as you do. So, leave a little room for the unexpected – for all the new opportunities your home will give you to spend money, from furnishings, to landscaping, to repairs. – Lyn Innes | Redfin Partner Agent, Innes Realty

    A lender will qualify you for the max amount they’ll be willing to loan you for your purchase. However, I would suggest not “maxing out” your purchase. The mortgage is the only first monthly expense to consider when buying a home. – Tony Nuncio | Redfin Partner Agent, The Nuncio Realty Group, Paragon Realtors

    6. Keep an open mind when navigating the Dallas market

    Planning is fundamental when looking for the home you’ll love. It’s exciting touring houses, but it isn’t easy to find the perfect house, ready to move in, with all the wants and needs that you have in mind. I invite you to be open-minded when looking and consider houses with longer days on the market, houses that are back on the market, new home construction with seller’s concessions, etc. Play smart and buy a house that’ll satisfy your needs. – Anny Ortiz | Redfin Partner Agent, Keller Williams Realty

    7. Research Dallas neighborhoods

    Deciding on your perfect neighborhood is one of the first steps I try to encourage homebuyers to plan when buying a house in Dallas. As a future homeowner, you must research the area you’ll be in for the coming years. When choosing a neighborhood, Things to consider could be school ratings, city population, ideal work commute, close to the city or out in the country. – LeighAnn Welk | Redfin Partner Agent, United Real Estate

    It can be an exciting time as a first-time homebuyer in Dallas. Buyers should consider how many miles they’re willing to drive to and from work. Then narrow down the areas with homes that meet their criteria. Also, because the inventory is low at this time, in certain areas in DFW, buyers should be prepared for multiple offers and competition. – Linda Green | Redfin Partner Agent, United Real Estate

    8. Consider your lifestyle as a Dallas homeowner

    It’s best to think about what you, as the buyer, really need inside the home based on your lifestyle, so you can choose the right layout that works for you. For homebuyers with children, school districts are another important factor to consider as well. With the help of a great agent, they could hopefully find a good home based on their buyer’s criteria. – Heidi Keyvan | Redfin Partner Agent, United Real Estate

    Keep in mind that where you buy not only affects the home’s current and future home value, but it also affects your lifestyle. Vahn Patino | Redfin Partner Agent, Rendon Realty

    9. Have your finances in order

    Buying your first home can be exciting, and scary at the same time. Make sure you start saving money towards your down payment, have a credit score of 640 and above. A credit score of 640 and above can qualify you for a down payment assistance program. Once you know you’re getting close to being ready to buy, consult a lender to see if you qualify or to get an idea of what you need to do to get ready to buy. – Tanesa Frazier | Redfin Partner Agent, Ultima Real Estate

    10. Seize the opportunity 

    If you hope to be an owner of real estate and live in a competitive housing market, then now may be the time to jump in and grab up your piece of real estate while many fear-driven buyers have left the marketplace. Mortgage interest rates go up and down and paying a slightly higher interest rate, although historically still low, may be better than spending money on rent while not owning real estate. Fortune favors the bold, fear not and consider seizing your piece of real estate while opportunity knocks. – Mike Kruizinga | Redfin Partner Agent, Better Homes & Gardens Real Estate Winans

    11. Find your perfect local Dallas team

    Buying your first home is the biggest financial decision of your life. Find an experienced agent that can guide you and help you understand the complicated process. Before you start looking at homes, make sure you are working with a lender that can help you understand your budget as well as the variety of programs available to first-time buyers. – Susan Romanowski | Redfin Partner Agent, United Real Estate

     

    Partner Agents work for traditional brokerages, but have teamed up with Redfin to help customers buy or sell a home. Customers are connected with partner agents when Redfin Agents are experiencing exceptionally high customer demand or if a home is outside our direct service area.

    PHOTOS: Stained glass, wood carvings to drool over for days

    GAINESVILLE, Texas – The Houston and Galveston area has its share of fine Victorian homes, but when you cast the net a bit wider across Texas, gems emerge with incredibly fine pedigree like one home a bit north of Dallas in Gainesville.

    The 1892 home on the market in that town that lies about five hours northwest of Houston has stained glass and wood carvings a historical home lover could drool over for days.

    The corner lot property is on the market for $475,000. The home has four bedrooms, one bathroom and one half-bathroom in its 4,329 square feet. Among the many features, the house has wood floors and three, intricate fireplaces that are thought to be from the 1893 World’s Fair in Chicago. The carvings are truly something to behold, the wood incredibly unpainted. Two large stained glass windows adorn the large wood-paneled staircase.

    Aside from the historical features, the home appears to have stewards that have built it up for the future with updated electrical, plumbing, roof and more.

    Bonus points from us for these features detailed in the listing: “Accessible by ladder, but room for a lift, is a converted attic to provide additional space. The property comes with approved plans for kitchen and bathroom renovations offering an exciting opportunity for the new owners to add their personal touch. A unique feature is the original Eldridge family hitching post. Located a short walk from downtown Gainesville, this home is regularly a part of the Morton Museum’s Historical Tour.”

    Take a look inside and out. What a treat to see such a home in Texas:

    326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Shoot2Sell)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)326 S. Dixon St., Gainesville, Texas (Compass/Adam Duitch)

    MORE:

    Looking for more posh Texas properties? Go to our real estate page or subscribe to our free weekly newsletter, House 2 Home.

    Copyright 2023 by KPRC Click2Houston – All rights reserved.

    VA Home Loans for Veterans and Military

    [] VA Home Loans for Veterans and Military | Veterans United Home Loans Skip to Content

    3,181 Veterans received a personalized quote in the past 24 hours.

    Without military experience most loans require at least 3% down.Get More Information →]]>

    “,”required”: true,”value” : 1,},”down_payment_notice_html” : {“type”: “html”,”content” : “

    Without military experience most loans require at least 3% down.

    “},”down_payment_notice_nb” : {“type”: “hidden”,”label” : “

    Without military experience most loans require at least 3% down.

    We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

    Get More Information →“,”required”: true,”value” : 1,},”down_payment_notice_html_nb” : {“type”: “html”,”content” : “

    Without military experience most loans require at least 3% down.

    We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

    “},”property_search” : {“label” : “Where are you looking to buy?”,”description” : “City or Zip Code”,”type”: “text”,”invalidMsg”: “Please enter a valid location.”,”placeholder” : “City or Zip Code”,”attr”: “autocomplete=”off” aria-describedby=”init_prop_search_instr” aria-owns=”prop_search_results” aria-expanded=”false” aria-autocomplete=”both” aria-activedescendant=”””},”property_zip” : {“type”: “hidden”},”property_city” : {“type”: “hidden”},”property_state” : {“type” : “hidden”,”required” : true,”invalidMsg”: “Please enter a valid US location.”},”property_state_select” : {“label”: “Where will you be living?”,”type” : “select”,”required” : true,”attr”: “autocomplete=”fmcty_off””,”placeholder” : “Select the property location…”,”onChange” : “setPropertyState”,”options” : [[ “AL” , “Alabama” ],[ “AK” , “Alaska” ],[ “AZ” , “Arizona” ],[ “AR” , “Arkansas” ],[ “CA” , “California” ],[ “CO” , “Colorado” ],[ “CT” , “Connecticut” ],[ “DE” , “Delaware” ],[ “DC” , “District of Columbia” ],[ “FL” , “Florida” ],[ “GA” , “Georgia” ],[ “HI” , “Hawaii” ],[ “ID” , “Idaho” ],[ “IL” , “Illinois” ],[ “IN” , “Indiana” ],[ “IA” , “Iowa” ],[ “KS” , “Kansas” ],[ “KY” , “Kentucky” ],[ “LA” , “Louisiana” ],[ “ME” , “Maine” ],[ “MD” , “Maryland” ],[ “MA” , “Massachusetts” ],[ “MI” , “Michigan” ],[ “MN” , “Minnesota” ],[ “MS” , “Mississippi” ],[ “MO” , “Missouri” ],[ “MT” , “Montana” ],[ “NE” , “Nebraska” ],[ “NV” , “Nevada” ],[ “NH” , “New Hampshire” ],[ “NJ” , “New Jersey” ],[ “NM” , “New Mexico” ],[ “NY” , “New York” ],[ “NC” , “North Carolina” ],[ “ND” , “North Dakota” ],[ “OH” , “Ohio” ],[ “OK” , “Oklahoma” ],[ “OR” , “Oregon” ],[ “PA” , “Pennsylvania” ],[ “RI” , “Rhode Island” ],[ “SC” , “South Carolina” ],[ “SD” , “South Dakota” ],[ “TN” , “Tennessee” ],[ “TX” , “Texas” ],[ “UT” , “Utah” ],[ “VT” , “Vermont” ],[ “VA” , “Virginia” ],[ “WA” , “Washington” ],[ “WV” , “West Virginia” ],[ “WI” , “Wisconsin” ],[ “WY” , “Wyoming” ]],”disabledOptions” : false},”state_unavailable_notice” : {“type”: “hidden”,”required”: true},”state_unavailable_notice_html” : {“type”: “html”,”content” : “

    New York Homebuyers:

    Due to state regulations, we are not able to accept home loan inquiries for New York properties on this site. If you are interested in a property in another area, you may hit Back and enter a different location.

    “},”when_loan” : {“label”: “When are you planning to make your home purchase?”,”type” : “radio”,”required” : true,”placeholder” : “Select your timeframe…”,”options” : [[ “signed purchase agreement” , “Immediately: Signed a Purchase Agreement” ],[ “offer pending” , “ASAP: Found a House/Offer Pending” ],[ “within a month” , “Within 30 Days” ],[ “2 to 3 months” , “2 – 3 Months” ],[ “3 to 6 months” , “3 – 6 Months” ],[ “over 6 months” , “6+ Months” ],[ “no time frame” , “No Time Frame/Still Researching Options” ]]},”preventing_loan” : {“label”: “What prevents you from buying your new home today?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “credit” , “My credit rating is too low” ],[ “income” , “My income is too low” ],[ “under_lease” , “I am locked in a rent/lease” ],[ “new_city” , “I am transferring to a new location” ],[ “still_looking” , “I haven’t found a home yet”],[ “other” , “Other” ]]},”property_value” : {“label”: “What is your price range?”,”description”: “(An estimate is fine)”,”type” : “radio”,”required” : true,”options” : [[ “700001” , “$700K or more” ],[ “700000” , “$600K – $700K” ],[ “600000” , “$500K – $600K” ],[ “500000” , “$400K – $500K” ],[ “400000” , “$350K – $400K” ],[ “350000” , “$300K – $350K” ],[ “300000” , “$250K – $300K” ],[ “250000” , “$200K – $250K” ],[ “200000” , “$150K – $200K” ],[ “150000” , “$100K – $150K” ],[ “90000”, “under $100K” ],[ “150001” , “I don’t know”]],”onChange” : “calculateDownPayment”,},”home_value” : {“label”: “What is the value of your home?”,”description”: “(An estimate is fine)”,”type” : “currency”,”required” : true,”attr”: “size=”11″ maxlength=”11″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid dollar amount.”,”onChange”: “calcRefiLtv”,},”down_payment” : {“label”: “How much of a down payment would you like to make?”,”description”: “”,”type” : “radio”,”required” : true,”options” : [[ “0” , “0%” ],[ “3.5” , “3.5%” ],[ “5” , “5%” ],[ “10” , “10%” ],[ “15” , “15%” ],[ “20” , “20%” ],[ “21” , “More than 20%” ]]},”credit_rating” : {“label”: “What is your current credit score?”,”description” : “”,”type” : “radio”,”required” : true,”options” : [[“Excellent” , “Excellent (720+)”],[“Good” , “Good (680-719)”],[“Fair” , “Fair (640-679)”],[“Below Average” , “Below Average (620-639)”],[“Poor” , “Poor (Below 620)”],[“unknown” , “I don’t know”]],},”current_rate” : {“label”: “What is your current mortgage interest rate?”,”type” : “select”,”required” : true,”placeholder” : “Select your current interest rate…”,”options” : [[ “2.99” , “under 3%” ],[ “3” , “3%” ],[ “3.125” , “3.125%” ],[ “3.25” , “3.25%” ],[ “3.375” , “3.375%” ],[ “3.5” , “3.5%” ],[ “3.625” , “3.625%” ],[ “3.75” , “3.75%” ],[ “3.875” , “3.875%” ],[ “4” , “4%” ],[ “4.125” , “4.125%” ],[ “4.25” , “4.25%” ],[ “4.375” , “4.375%” ],[ “4.5” , “4.5%” ],[ “4.625” , “4.625%” ],[ “4.75” , “4.75%” ],[ “4.875” , “4.875%” ],[ “5” , “5%” ],[ “5.125” , “5.125%” ],[ “5.25” , “5.25%” ],[ “5.375” , “5.375%” ],[ “5.5” , “5.5%” ],[ “5.625” , “5.625%” ],[ “5.75” , “5.75%” ],[ “5.875” , “5.875%” ],[ “6” , “6%” ],[ “6.125” , “6.125%” ],[ “6.25” , “6.25%” ],[ “6.375” , “6.375%” ],[ “6.5” , “6.5%” ],[ “6.625” , “6.625%” ],[ “6.75” , “6.75%” ],[ “6.875” , “6.875%” ],[ “7” , “7%” ],[ “7.125” , “7.125%” ],[ “7.25” , “7.25%” ],[ “7.375” , “7.375%” ],[ “7.5” , “7.5%” ],[ “7.625” , “7.625%” ],[ “7.75” , “7.75%” ],[ “7.875” , “7.875%” ],[ “8” , “8%” ],[ “8.125” , “8.125%” ],[ “8.25” , “8.25%” ],[ “8.375” , “8.375%” ],[ “8.5” , “8.5%” ],[ “8.625” , “8.625%” ],[ “8.75” , “8.75%” ],[ “8.875” , “8.875%” ],[ “9” , “9%” ],[ “9.125” , “9.125%” ],[ “9.25” , “9.25%” ],[ “9.375” , “9.375%” ],[ “9.5” , “9.5%” ],[ “9.625” , “9.625%” ],[ “9.75” , “9.75%” ],[ “9.875” , “9.875%” ],[ “10” , “10%” ],[ “10.01” , “over 10%” ],[ “5.01” , “I don’t know” ]]},”balance” : {“label”: “How much do you currently owe on your home mortgage?”,”type” : “currency”,”required” : true,”attr”: “size=”11″ maxlength=”11″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid dollar amount.”,”onChange”: “calcRefiLtv”,},”refi_ltv” : {“type”: “hidden”,”onChange”: “calcRefiTotalLoanAmount”},”refi_total_loan_amount” : {“type”: “hidden”},”refi_ltv_message” : {“type”: “hidden”,”label” : “

    Based on the information provided, your loan-to-value ratio is too high for a Cash-Out refinance with Veterans United.
    Learn more about VA Cash-Out Refinancing

    Would you still like to see if we can lower your interest rate?

    “,”required”: true,”value” : 1},”ny_opq_message” : {“type”: “hidden”,”label” : “

    Thank you for coming to Veterans United Home Loans! To continue your home loan request, please continue to our secure, online mortgage preapproval system.

    Get Preapproved Online →“,”required”: true,”value” : 1,},”tx_cashout_message” : {“type”: “radio”,”label” : “

    Due to state restrictions, we do not offer cash-out or debt consolidation refinances in the state of Texas.

    Would you still like to see if we can lower your interest rate?

    “,”required”: true,”class” : “field-stacked”,”options” : [[ “1” , “Yes, continue” ],],”onChange” : “txCashout”},”currentva” : {“label”: “Do you currently have a VA Loan?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes, I currently have a VA loan” ],[ “no” , “No, I do not currently have a VA Loan” ]]},”property_type” : {“label”: “What type of property are you buying?”,”type” : “radio”,”required” : true,”options” : [[ “single” , “Single-Family Home” ],[ “condominium” , “Condominium” ],[ “townhome” , “Town Home” ],[ “multifamily” , “Multi-Family” ],[ “manufactured” , “Mobile / Manufactured” ],[ “new construction” , “New Construction” ],[ “other” , “Other” ]]},”manufactured_own” : {“label”: “Will you own or rent the land your home is on?”,”description” : “Your lender will use this information to determine what kind of loan is right for you.”,”type” : “radio”,”required” : true,”options” : [[ “own” , “Own” ],[ “rent” , “Rent” ]]},”property_use” : {“label”: “How will this property be used?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “primary” , “Primary Residence” ],[ “secondary” , “Secondary / Vacation Home” ],[ “investment” , “Investment Property” ],[ “other” , “Other” ]]},”living_situation” : {“label”: “Do you currently own a home?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “own” , “Yes, I currently own a home” ],[ “rent” , “No, I am currently renting” ],[ “other” , “No, I have other living arrangements” ]]},”email” : {“label” : “What is your email address?”,”description” : “”,”type”: “email”,”required”: true,”placeholder” : “email@example.com”,”invalidMsg”: “Please enter a valid email address.”,”doNotTrack”: true},”name_label” : {“type”: “html”,”content” : “

    What is your name?

    “},”first_name” : {“label” : “First Name:”,”type”: “text”,”required”: true,”placeholder” : “First”,”invalidMsg”: “Please enter your first name.”,”doNotTrack”: true},”last_name” : {“label” : “Last Name:”,”type”: “text”,”required”: true,”placeholder” : “Last”,”invalidMsg”: “Please enter your last name.”,”doNotTrack”: true},”address_label” : {“type”: “html”,”content” : “

    What is your current street address and ZIP?

    “},”address” : {“label” : “Street Address:”,”description” : “”,”type”: “text”,”required”: true,”placeholder” : “Street Address”,”invalidMsg”: “Please provide your current street address.”,”doNotTrack”: true},”zip” : {“label” : “ZIP Code:”,”type”: “text”,”required”: true,”placeholder” : “ZIP Code”,”attr”: “size=”5″ maxlength=”5″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid 5-digit ZIP code.”},”time_at_current_address” : {“label”: “How long have you lived at this address?”,”type” : “radio”,”required” : true,”placeholder” : “Select a timeframe…”,”class” : “field-stacked”,”options” : [[ “less than 1 year” , “Less than 1 year” ],[ “1 to 2 years” , “1 – 2 Years” ],[ “2 to 5 years” , “2 – 5 Years” ],[ “over 5 years” , “5+ Years” ]]},”phone_full” : {“label” : “What is your phone number?”,”description” : “”,”type”: “tel”,”required”: true,”placeholder” : “(    )     -“,”invalidMsg”: “Please enter a valid phone number.”,”doNotTrack”: true},”vuhlagree_preamble” : {“type”: “html”,”content” : “

    By submitting, I acknowledge, consent and agree to the terms listed below.

    “},”vuhlagree” : {“type”: “html”,”content” : “By submitting, I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.”},”vuhlagree_checkbox” : {“type”: “checkbox”,”value” : 1,”required”: true,”invalidMsg”: “Check the box above to continue online. You may alternatively call us at 1-800-884-5560 to move ahead.”,”label” : “I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. 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    When does your lease end?

    “},”renting_end_date_month” : {“label” : “Month:”,”type”: “select”,”required”: true,”placeholder” : “Month”,”invalidMsg”: “Please select a month.”,”options” : [[ “01” , “01 – January” ],[ “02” , “02 – February” ],[ “03” , “03 – March” ],[ “04” , “04 – April” ],[ “05” , “05 – May” ],[ “06” , “06 – June” ],[ “07” , “07 – July” ],[ “08” , “08 – August” ],[ “09” , “09 – September” ],[ “10” , “10 – October” ],[ “11” , “11 – November” ],[ “12” , “12 – December” ],[ “99” , “Other / No End Date” ]]},”renting_end_date_year” : {“label” : “Year:”,”type”: “select”,”required”: true,”placeholder” : “Year”,”invalidMsg”: “Please select a valid date in the future.”,”options” : [[ “2023” , “2023” ],[ “2024” , “2024” ],[ “2025” , “2025” ],[ “2026” , “2026” ],[ “2027” , “2027” ],[ “2028” , “2028+” ],[ “9999” , “Other / No End Date” ]]},”current_rent_amount” : {“label”: “What is your current monthly rent payment?”,”type” : “currency”,”placeholder” : “”,”required” : true,”attr”: “size=”9″ maxlength=”9″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid dollar amount.”,},”desired_payment” : {“label” : “What is your desired monthly payment?”,”description” : “Enter a monthly payment, including taxes and insurance, that feels comfortable in your budget. 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This fee goes directly to the Department of Veterans Affairs.“,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes” ],[ “no” , “No” ],[ “unknown” , “I’d rather not say” ]]},”disability_income” : {“label”: “Are you currently receiving VA Disability Income?”,”description” : “Your receipt of VA disability income may help us determine other benefits of your VA loan.”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes” ],[ “no” , “No” ],[ “unknown” , “I’d rather not say” ]]},”current_loan_type” : {“label” : “What type of loan is your current mortgage?”,”type” : “radio”,”required” : true,”options” : [[“Conventional” , “Conventional”],[“VA” , “VA”],[“FHA” , “FHA”],[“USDA” , “USDA”],[“none” , “No current mortgage”],[“unknown” , “I don’t know”]]},”previous_va_loan” : {“label” : “Have you ever used a VA Loan before?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[“yes” , “Yes”],[“no” , 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: “radio”,”value” : 1,”required” : true,”options” : [[“1”, “Continue”]],},”start_header” : {“type” : “html”,”content” : ”},”living_situation” : {“label”: “What best describes your living situation?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “own” , “I currently own a home” ],[ “rent” , “I am currently renting” ],[ “other” , “Other” ]]},”owner_current_loan_type” : {“label” : “What type of loan is your current mortgage?”,”type” : “radio”,”required” : true,”options” : [[“Conventional” , “Conventional”],[“VA” , “VA”],[“FHA” , “FHA”],[“USDA” , “USDA”],[“none” , “No current mortgage”],[“unknown” , “I don’t know”]]},”owner_military_branch” : {“label”: “What is your branch of service?”,”type” : “radio”,”required” : true,”options” : [[ ‘Army’ , ‘Army’ ],[ ‘Marine’ , ‘Marine Corps’ ],[ ‘Navy’ , ‘Navy’ ],[ ‘Air’, ‘Air Force’ ],[ ‘Coast’, ‘Coast Guard’ ],[ ‘space’ , ‘Space Force’ ],[ ‘Spouse’ , ‘Military Spouse’ ],[ ‘Other’, ‘Other VA Eligibility’ ],[ ‘Civilian’ , 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“AR” , “Arkansas” ],[ “CA” , “California” ],[ “CO” , “Colorado” ],[ “CT” , “Connecticut” ],[ “DE” , “Delaware” ],[ “DC” , “District of Columbia” ],[ “FL” , “Florida” ],[ “GA” , “Georgia” ],[ “HI” , “Hawaii” ],[ “ID” , “Idaho” ],[ “IL” , “Illinois” ],[ “IN” , “Indiana” ],[ “IA” , “Iowa” ],[ “KS” , “Kansas” ],[ “KY” , “Kentucky” ],[ “LA” , “Louisiana” ],[ “ME” , “Maine” ],[ “MD” , “Maryland” ],[ “MA” , “Massachusetts” ],[ “MI” , “Michigan” ],[ “MN” , “Minnesota” ],[ “MS” , “Mississippi” ],[ “MO” , “Missouri” ],[ “MT” , “Montana” ],[ “NE” , “Nebraska” ],[ “NV” , “Nevada” ],[ “NH” , “New Hampshire” ],[ “NJ” , “New Jersey” ],[ “NM” , “New Mexico” ],[ “NY” , “New York” ],[ “NC” , “North Carolina” ],[ “ND” , “North Dakota” ],[ “OH” , “Ohio” ],[ “OK” , “Oklahoma” ],[ “OR” , “Oregon” ],[ “PA” , “Pennsylvania” ],[ “RI” , “Rhode Island” ],[ “SC” , “South Carolina” ],[ “SD” , “South Dakota” ],[ “TN” , “Tennessee” ],[ “TX” , “Texas” ],[ “UT” , “Utah” ],[ “VT” , “Vermont” ],[ “VA” , “Virginia” ],[ “WA” , “Washington” ],[ “WV” , “West Virginia” ],[ “WI” , “Wisconsin” ],[ “WY” , “Wyoming” ]],”disabledOptions” : false},”owner_three_percent_down” : {“label”: “Can you put at least 3% down?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ ‘yes’ , ‘Yes’ ],[ ‘no’, ‘No’ ]]},”owner_down_payment_notice” : {“type”: “hidden”,”label” : “”,”required”: true,”value” : 1,},”owner_down_payment_notice_html” : {“type”: “html”,”content” : “

    Without military experience most loans require at least 3% down.

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    Without military experience most loans require at least 3% down.

    We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

    Get More Information →“,”required”: true,”value” : 1,},”owner_paddio” : {“label” : “u0020u0020u0020u0020u003Cdivu0020idu003Du0022paddiou0022u0020classu003Du0022handoffu002Dmsgu0022u003Enu0020u0020u0020u0020u0020u0020u0020u0020u003Cdivu0020classu003Du0022logou0022u003Enu0020u0020u0020u0020u0020u0020u0020u0020u0020u0020u0020u0020u003Cimgu0020srcu003Du0022httpsu003A//www.veteransunited.com/assets/v4/images/logos/Paddio.pngu0022u0020altu003Du0022Paddiou0022/u003Enu0020u0020u0020u0020u0020u0020u0020u0020u003C/divu003Enu0020u0020u0020u0020u0020u0020u0020u0020u003Cspanu003EntttWeu0020createdu0020Paddiou0020tou0020betteru0020serveu0020civilianu0020homebuyers.nttu003C/spanu003Enu0020u0020u0020u0020u0020u0020u0020u0020u003Cspanu0020classu003Du0022fmctyu002Dfieldu002Ddescriptionu0022u003EntttVeteransu0020Unitedu0020isu0020dedicatedu0020tou0020servingu0020Veteransu0020andu0020militaryu0020families.u0020Weu0020tooku0020ouru0020friendly,u0020topu002Dratedu0020homebuyingu0020experienceu0020andu0020builtu0020Paddiou0020u2014u0020sou0020weu0020couldu0020serveu0020homebuyersu0020likeu0020yourself.nttu003C/spanu003Enu0020u0020u0020u0020u003C/divu003En”,”type” : “radio”,”value” : 1,”required” : true,”options” : [[“1”, “Continue”]],},”owner_neighbors” : {“label” : “u0020u0020u0020u0020u003Cdivu0020idu003Du0022neighborsu0022u0020classu003Du0022handoffu002Dmsgu0022u003Enu0020u0020u0020u0020u0020u0020u0020u0020u003Cdivu0020classu003Du0022logou0022u003Enu0020u0020u0020u0020u0020u0020u0020u0020u0020u0020u0020u0020u003Cimgu0020srcu003Du0022httpsu003A//www.veteransunited.com/assets/v4/images/logos/neighborsBank.jpgu0022u0020altu003Du0022Neighborsu0020Banku0022/u003Enu0020u0020u0020u0020u0020u0020u0020u0020u003C/divu003Enu0020u0020u0020u0020u0020u0020u0020u0020u003Cspanu003EntttWeu2019veu0020partneredu0020withu0020Neighborsu0020Banku0020tou0020betteru0020serveu0020civilianu0020homebuyers.nttu003C/spanu003Enu0020u0020u0020u0020u0020u0020u0020u0020u003Cspanu0020classu003Du0022fmctyu002Dfieldu002Ddescriptionu0022u003EntttVeteransu0020Unitedu0020isu0020dedicatedu0020tou0020servingu0020Veteransu0020andu0020militaryu0020families.u0020Neighborsu0020Banku0020isu0020au0020proudu0020memberu0020ofu0020theu0020Veteransu0020Unitedu0020familyu0020ofu0020companiesu0020andu0020providesu0020personalizedu0020financingu0020solutionsu0020andu0020topu002Dratedu0020customeru0020serviceu0020foru0020homebuyersu0020likeu0020yourself.nttu003C/spanu003Enu0020u0020u0020u0020u003C/divu003En”,”type” : “radio”,”value” : 1,”required” : true,”options” : [[“1”, “Continue”]],},},”order”: [{“title” : “current-home”,”inputs” :[ “src”,”curi”,”wuri”,”adg”,”cmp”,”desc”,”gclid”,”dclid”,”dnt_flag”,”fbclid”,”msclkid”,”utm_source”,”utm_medium”,”utm_campaign”,”utm_term”,”utm_content”,”val_exp”,”val_cmp”,”val_lead”,”fbp”,”host_name”,”form_id”,”frn”,”ap_token”,”opq_guid”,”opq_worthy”,”opq_version”,”opq_treatment”,”lead_partner_lead_id”,”adid”,”plc”,”ss_test_variation”,”ss_opq_test_variation”,”json”,”google_client_id”,”start_time”,”refi_ltv”,”refi_total_loan_amount”,”vu_agreestovuprivacypolicy”,”vu_agreestovutermsandconditions”,”vu_consentstovutcpa”,”vu_agreestovuautodial”,”vu_agreestovutexting”,”vu_agreestovusharingwithaffiliates”,”vu_agreestotransactioncommunications”,”vu_agreestolendingpartners”,”vu_agreestohbcpartneroffers”,”matchtype”,”mbsy_source”,”campaignid”,”mbsy”,”vu_agreestoedelivery”,”mrc_agreestohomeservices”,”twilio_version”,”lead_intent”, “start_header”,”living_situation”]},{“title” : “loan-type”,”inputs” :[“purpose”]},{“title” : “refi-goals”,”inputs” :[“refi_reason”]},{“title” : “property-value”,”inputs” :[“property_value”]},{“title” : “home-value”,”inputs” :[“home_value”]},{“title” : “military-branch”,”inputs” : [“military_branch”]},{“title” : “active-duty”,”inputs” : [“military_status”]},{“title” : “pcs-orders”,”inputs” : [“pcs”]},{“title” : “property-state”,”inputs” : [“civilian_property_state_select”]},{“title” : “three-percent-down”,”inputs” : [“three_percent_down”]},{“title” : “down-payment”,”inputs” : [“down_payment”]},{“title” : “down-payment-notice”,”inputs” : [“down_payment_notice”,],},{“title” : “down-payment-notice-nb”,”inputs” : [“down_payment_notice_nb”,],},{“title” : “property-type”,”inputs” : [“property_type”]},{“title” : “manufactured-property”,”inputs” : [“manufactured_own”]},{“title” : “property-use”,”inputs” : [“property_use”]},{“title” : “timeframe”,”inputs” : [“when_loan”]},{“title” : “timeframe-reason”,”inputs” : [“preventing_loan”]},{“title” : “first-time”,”inputs” : [“first_time”]},{“title” : “sell-home”,”inputs” : [“sell_before_purchase”]},{“title” : “o-current-loan”,”inputs” :[“owner_current_loan_type”]},{“title” : “mortgage-balance”,”inputs” : [“balance”]},{“title” : “interest-rate”,”inputs” : [“current_rate”]},{“title” : “refi-continue”,”inputs” : [“refi_ltv_message”],”nextText” : “Yes, continue”},{“title” : “cash-out-amount”,”inputs”: [“cash_out_amount”],”after” : “

    Maximum cashout amount based on the home value and mortgage balance information you supplied. Not guaranteed until locked in by your Loan Officer.

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true,},};window.mrcFormConfig.order[0].after = $(‘.proof-v2’);window.mrcFormConfig.inputs.purpose.label = ‘Are you buying a home or refinancing?’;delete window.mrcFormConfig.logic.rules.toggle_living_situation;$(document).ready(function(){var mrcForm = $(‘#v4_lp’);Fmcty.fn.launchWindow = function(url,opts) {var width = 600,height = 400;if (opts && opts.width) {width = opts.width;}if (opts && opts.height) {height = opts.height;}var left = (screen.width / 2) – (width / 2),top = (screen.height / 2) – (height / 2);if (opts && opts.top) {top = opts.top;}if (opts && opts.left) {left = opts.left;}var fmctyNewWindow = window.open(url, ”, ‘menubar=no,toolbar=no,resizable=yes,scrollbars=yes,height=’ + height + ‘,width=’ + width + ‘,top=’ + top + ‘,left=’ + left);if (window.focus) {fmctyNewWindow.focus()}return false;};mrcForm.on(‘fmcty:ready’,function(data){$(this).addClass(‘fmcty-ready’);});Fmcty.fn.hideField = function(Fmcty,input,values,result) 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.fmcty-section-active’).data(‘fmcty-section’);if(Fmcty[form_id].hasOwnProperty(‘verifiedPhone’) && currentSlide != “phone-verify”) {var resendType = data.value;if (carrierType === ‘mobile’ && resendType === ‘text’){var ajaxUrl = “/ajax/twilio_verify_send_code.php?verify_method=sms&phone=” + phoneValue;} else if (carrierType === ‘landline’ || resendType === ‘call’){var ajaxUrl = “/ajax/twilio_verify_send_code.php?verify_method=call&phone=” + phoneValue;};$.ajax({url: ajaxUrl,dataType: ‘json’,success: function(res){},error: function(res){data.input.invalid();},});} else {if (carrierType === ‘mobile’){var ajaxUrl = “/ajax/twilio_verify_send_code.php?verify_method=sms&phone=” + phoneValue;} else if (carrierType === ‘landline’){var ajaxUrl = “/ajax/twilio_verify_send_code.php?verify_method=call&phone=” + phoneValue;};$.ajax({url: ajaxUrl,dataType: ‘json’,success: function(res){data.input.valid();Fmcty[form_id].next(false);},error: function(res){data.input.invalid();},});};};Fmcty.fn.validatePhone = function(data) {var rx = new RegExp(‘^\d{10}$’),form_id = data.form_id,phoneValue = data.value;if (Fmcty[form_id].hasOwnProperty(‘verifiedPhone’) && Fmcty[form_id].verifiedPhone == phoneValue){setTimeout(function(){$(‘#’+form_id+’ .fmcty-section[data-fmcty-section=”phone-verify-code”]’).removeClass(‘fmcty-section-waiting’);},1);Fmcty[form_id].next(false);} else {if(rx.test(phoneValue) && ! Fmcty[form_id].phoneCheckInProgress){Fmcty[form_id].phoneCheckInProgress = true;$.ajax({url: “/ajax/twilio_phone_lookup.php?phone=” + phoneValue,dataType: ‘json’,success: function(res){if(res.carrier_type != ‘invalid’){Fmcty[form_id].verifiedCarrierType = res.carrier_type;Fmcty[form_id].verifiedPhone = phoneValue;data.form.find(‘input[name=”phone_full”]’).val(data.values.twilio_phone).trigger(‘change’);Fmcty.fn.sendVerification(data);} else {data.input.invalid();}data.input.closest(‘.fmcty-section’).removeClass(‘fmcty-section-waiting’);Fmcty[form_id].phoneCheckInProgress = false;},error: function(res){data.input.closest(‘.fmcty-section’).removeClass(‘fmcty-section-waiting’);data.input.invalid();}});} else {setTimeout(function() {data.input.closest(‘.fmcty-section’).removeClass(‘fmcty-section-waiting’);data.input.invalid();},1);}};};Fmcty.fn.resendCodeText = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.resendCodeCall = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.showOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest(‘.fmcty-form’).find(‘.fmcty-section[data-fmcty-section=”phone”] .fmcty-submit’).html(‘Continue’);return false;};Fmcty.fn.hideOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest(‘.fmcty-form’).find(‘.fmcty-section[data-fmcty-section=”phone”] .fmcty-submit’).html(‘Saveu0020u0026ampu003Bu0020Continue’);return false;};Fmcty.fn.validateRentingEndDate = function(data) {var isValid = true,currMonth = 06,currYear= 2023;if (data.values) {if ( parseInt(data.values.renting_end_date_month) ‘).appendTo(prop_search.parent());}if ( ! autocomplete.length ) {autocomplete = $(‘

    When autocomplete results are available use up and down arrows to review and enter to select.

    ‘).insertAfter(prop_search.parent().parent());}var autocomplete_results = autocomplete.find(‘.fmcty-autocomplete-results’);if (value.length ‘+autocomplete_item+’‘);}}location = result.data[0];section.find(‘#prop_search_aria_update’).text(result.data.length + ‘ location results’);section.removeClass(‘fmcty-section-waiting mrc-section-waiting’).addClass(‘mrc-zip-complete’);prop_search.closest(‘.fmcty-field’).addClass(‘fmcty-field-focused’);prop_search.attr(‘aria-expanded’, ‘true’);section.find(‘.fmcty-field-validation’).remove();location_display = “”;if (location.PLACENAME) {location_display += location.PLACENAME+”, “;prop_city.val(location.PLACENAME).trigger(‘change’);} else {prop_city.val(”).trigger(‘change’);}if (location.STATEABBV) {location_display += location.STATEABBV;prop_state.val(location.STATEABBV).trigger(‘change’);} else {prop_state.val(”).trigger(‘change’);}if (location.ZIPCODE) {prop_zip.val(location.ZIPCODE).trigger(‘change’);} else {prop_zip.val(”).trigger(‘change’);}if (location.type === “zip”) {location_display = location.ZIPCODE+”, ” + location_display;}var location_display_partial = location_display.slice(0, value.length),value_regex = new RegExp(value.replace(/[.-dws]+/g, ‘$&’), ‘i’),location_regex = new RegExp(location_display_partial.replace(/[.-dws]+/g, ‘$&’), ‘i’),location_result = location_regex.test(value_regex);if (location_result) {location_display = value + location_display.slice(value.length);} else {location_display = “”;}result_display.val(location_display);} else {section.removeClass(‘fmcty-section-waiting mrc-section-waiting’).removeClass(‘mrc-zip-complete’);prop_search.attr(‘aria-expanded’, ‘false’);section.find(‘#prop_search_aria_update’).text(”);prop_zip.val(”).trigger(‘change’);prop_city.val(”).trigger(‘change’);prop_state.val(”).trigger(‘change’);result_display.val(”);section.find(‘.fmcty-ajax-result-description’).remove();}},function(result) {if (result.statusText && result.statusText === “error”) {section.removeClass(‘fmcty-section-waiting mrc-section-waiting’).removeClass(‘mrc-zip-complete’);prop_search.attr(‘aria-expanded’, ‘false’);prop_state.val(‘fail’).trigger(‘change’);section.find(‘.fmcty-ajax-result-description’).remove();} else {prop_zip.val(”).trigger(‘change’);prop_city.val(”).trigger(‘change’);prop_state.val(”).trigger(‘change’);result_display.val(”);}});};Fmcty.fn.setPropertyState = function(Fmcty,input,value,values,event) {var form;if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */form= Fmcty.form;value = Fmcty.value;} else {form = input.closest(‘.fmcty-form’);}form.find(‘input[name=”property_state”]’).val(value).trigger(‘change’);form.find(‘input[name=”property_city”]’).val(”).trigger(‘change’);};if (Fmcty.values) {var prop_search_val = “”;if (Fmcty.values.property_zip) {prop_search_val = Fmcty.values.property_zip;if (Fmcty.values.property_city) {prop_search_val += “, “;}}if (Fmcty.values.property_city) {prop_search_val += Fmcty.values.property_city;if (Fmcty.values.property_state) {prop_search_val += “, ” + Fmcty.values.property_state;}}Fmcty.values.property_search = prop_search_val;}Fmcty.fn.calcRefiLtv = function(data){Fmcty.fn.calcRefiTotalLoanAmount(data);if (!data.values.home_value || !data.values.balance || data.values.home_value == 0) {return;}var homeVal = parseInt(data.values.home_value),balance = parseInt(data.values.balance),ltv = Math.round(balance / homeVal * 100),cashOutMax = Math.round((homeVal * .9 ) – balance);if (cashOutMax > 325000){cashOutMax = 325000;} else if (cashOutMax cashOutMax) {data.form.find(‘[name=”cash_out_amount”]’).val(cashOutMax).trigger(‘change’);}data.form.find(‘[name=”refi_ltv”]’).val(ltv).trigger(‘change’);data.form.find(‘.fmcty_max_cash_out’).text(String(cashOutMax).replace(/(.)(?=(d{3})+$)/g,’$1,’));};Fmcty.fn.calcRefiTotalLoanAmount = function(data){var balance = parseInt(data.values.balance) || 0,cashout = parseInt(data.values.cash_out_amount) || 0;data.form.find(‘[name=”refi_total_loan_amount”]’).val(balance + cashout).trigger(‘change’);};Fmcty.fn.txCashout = function(data){data.form.find(‘input[name=”refi_reason”]’).prop(‘checked’,false).trigger(‘change’).filter(‘[value=”rate”]’).prop(‘checked’,true).trigger(‘change’);};Fmcty.fn.submitFn = function(data){var response = data;if (data.response) {response = data.response; /* Fmcty 2.0 conversion */}if (data.values) {Fmcty.fn.recordLeadFeed(data.values);}if (response && response.return_url) {window.location = response.return_url;}};Fmcty.fn.recordLeadFeed = function(values){if (values && values.first_name && values.property_city){var badNames = [“test”,”fuck”,”fucker”,”shit”,”bitch”,”nigger”,”no”,”none”];if(jQuery.inArray(values.first_name.toLowerCase(), badNames) === -1) {$.ajax({type: “POST”,url: “https://webhook.proofapi.com/cw/s8PWk6DsvxQ1kIlMHomPRJK4BRE2/-M78Glw6aeb1hgoWfTvm”,dataType: “json”,data: {“type” : “custom”,”first_name” : values.first_name,”email” : values.first_name+values.zip+Math.floor((Math.random() * 1000) + 1)+”@example.com”,”city”: values.property_city,”state”: values.property_state,”country”: “United States”,},success: function(response) {},error: function(response) {},});}}};Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRngCookie = function(data){var cookieName = “rngFormData”;var lifetime =30;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRngFormValues = function(data){var values = data.values;var cookie = Fmcty.fn.checkRngCookie(‘rngFormData’);var rngData = {};rngData.cookieTimeStamp = new Date();rngData.currentField = $(data.section).attr(‘data-fmcty-section’);var session = Fmcty.fn.newSession(values);rngData.progress = [];if (typeof cookie !== ‘undefined’) {rngData.refreshCount = cookie.refreshCount;if(typeof cookie.progress !== ‘undefined’) {rngData.progress = cookie.progress;}} else {rngData.refreshCount = 0;}if(window.sessionStorage.isNewSession != ‘false’ || typeof window.sessionStorage.inNewSession === ‘undefined’) {rngData.progress.push(JSON.parse(session));}$.each(values,function(key,value){if ($.inArray(key,Fmcty.rngFields) !== -1){rngData[key] = value;}});Fmcty.fn.createRngCookie(rngData);};Fmcty.fn.deleteRngValues = function() {var cookieName = “rngFormData”;Fmcty.fn.createCookie(cookieName,””,-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = “; expires=”+date.toGMTString();}else var expires = “”;document.cookie = name+”=”+value+expires+”; path=/”;};Fmcty.fn.checkRngCookie = function(name) {const value = `; ${document.cookie}`;const parts = value.split(`; ${name}=`);if (parts.length === 2) return $.parseJSON(atob(parts.pop().split(‘;’).shift()));};Fmcty.fn.newSession = function(data) {window.sessionStorage.isNewSession = false; var date = new Date();var nextSection = Fmcty.fn.findNextSection(Object.keys(data));return ‘{“timestamp”:”‘+date.toLocaleString().replace(/[^ -~]/g,”)+'”, “nextSection”:”‘+nextSection+'”, “src”:”‘+data.src+'”, “cmp”:”‘+data.cmp+'”}’;};Fmcty.fn.findNextSection = function(prefilledFields) {var form = $(‘#v4_lp’);var fieldClasses = prefilledFields.map(function(field) {return ‘.field-‘ + field;});fieldClasses.push(‘.fmcty-field-hidden, .fmcty-field-hidden-input:not(.field-ny_opq_message), .fmcty-field-html, .fmcty-field-submit, .fmcty-field-next, .fmcty-field-prev’);var nextSection = form.find(‘.fmcty-field’).not(fieldClasses.join(‘, ‘)).first().closest(‘.fmcty-section’);return nextSection.parent().children().index(nextSection) + 1;};addEventListener(‘beforeunload’, (event) => {var data = Fmcty.fn.checkRngCookie(‘rngFormData’);if(!data) {} else {data.refreshCount++;Fmcty.fn.createRngCookie(data);}});Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRldCookie = function(data){var cookieName = “rldFormData”;var lifetime =1;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRldFormValues = function(data){var values = data.values;var rldData = {};rldData.cookieTimeStamp = new Date();rldData.currentField = $(data.section).attr(‘data-fmcty-section’);$.each(values,function(key,value){if ($.inArray(key,Fmcty.rldFields) !== -1){rldData[key] = value;}});Fmcty.fn.createRldCookie(rldData);};Fmcty.fn.deleteRldValues = function() {var cookieName = “rldFormData”;Fmcty.fn.createCookie(cookieName,””,-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = “; expires=”+date.toGMTString();}else var expires = “”;document.cookie = name+”=”+value+expires+”; path=/”;};Fmcty.fn.setBindings = function(form_var){form_var.on(“fmcty:next fmcty:prev”,function(e,data){var scrollTop = $(document).scrollTop(),formTop = $(‘#v4_lp’).offset().top;if ( scrollTop > formTop ) {$(“html, body”).animate({scrollTop:formTop},500)}});form_var.on(“fmcty:next”,function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== ‘undefined’) {ga(‘vuhlga.send’, {hitType: ‘event’,eventCategory: ‘Formocity: #v4_lp’,eventAction: ‘Advance To Section’,eventLabel: $(elem).data(‘fmctySection’)});}});form_var.on(“fmcty:prev”,function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== ‘undefined’) {ga(‘vuhlga.send’, {hitType: ‘event’,eventCategory: ‘Formocity: #v4_lp’,eventAction: ‘Back To Section’,eventLabel: $(elem).data(‘fmctySection’)});}});form_var.on(“fmcty:change”,function(e,data){if (window.dataLayer && data && data.input_name && ( data.input_name === “property_value” || data.input_name === “home_value” ) ) {var adValue = parseInt(data.value) / 1000;window.dataLayer.push({event : “adValue”,adValue : adValue});}});form_var.on(“fmcty:submit”,function(e,data){var values;if (data.values) {values = data.values;} else {values = data;}if (typeof ga !== ‘undefined’) {ga(‘vuhlga.send’, {hitType: ‘event’,eventCategory: ‘Formocity: #v4_lp’,eventAction: ‘Submit’,eventLabel: values.plc + ‘ ~ ‘ + values.purpose});}if (window.dataLayer) {if ( ! ( parseInt(values.property_value) ‘).prependTo(‘#v4_lp’);progWrapper = progBar.wrap(”).parent();progText = $(”).appendTo(progWrapper);});form_var.on(‘fmcty:progress_updated’,function(e,data){var progress = data;if (data.progress) {progress = data.progress; /* Fmcty 2.0 conversion */}if (progBar && progBar.length){var progressPct = (progress.currentStep)/progress.activeSteps*100;if (isNaN(progressPct) || progressPct 100) {progressPct = 100;}progBar.css(‘transform’, ‘translateX(-‘ + (100-progressPct) + ‘%)’);if (progress.currentStep > 1) {progWrapper.addClass(‘fmcty-progress-bar-active’);} else {progWrapper.removeClass(‘fmcty-progress-bar-active’);}}});form_var.on(“fmcty:progress_updated”,function(e,data){if (data.progress.currentStep > 1) {$(‘body’).addClass(‘form-started form-engaged’);data.container.addClass(‘fmcty-started fmcty-engaged’);} else {$(‘body’).removeClass(‘form-started’);data.container.removeClass(‘fmcty-started’);}});form_var.on(‘fmcty:section_complete’, function(e, data){if (data.section.attr(‘data-fmcty-section’) == ’email’){if(Fmcty.v4_lp) {var values = Fmcty.v4_lp.values;$.post(“/v3/marketo_partial.php”, values);}}});var plc = form_var.data(‘fmctyPlc’);if (plc && window.mrcFormConfig && window.mrcFormConfig.inputs && window.mrcFormConfig.inputs.plc) {window.mrcFormConfig.inputs.plc.value = plc;}form_var.on(‘fmcty:ready’,function(e,data) {var autocomplete_click = false;function autoAdvanceSection (section) {var hasAutoAdvance = !(section.data(‘fmcty-auto-advance’) === false);if (hasAutoAdvance) {Fmcty[‘v4_lp’].next();}}form_var.on(‘click’,’.fmcty-autocomplete-result’,function(e) {e.preventDefault();var link= $(this),section = link.closest(‘.fmcty-section’),hint= section.find(‘.fmcty-autocomplete-placeholder’),prop_search = section.find(‘input[name=”property_search”]’),prop_zip= section.find(‘input[name=”property_zip”]’),prop_state= section.find(‘input[name=”property_state”]’),prop_city = section.find(‘input[name=”property_city”]’);prop_zip.val(link.data(‘zip’)).trigger(‘change’);prop_city.val(link.data(‘city’)).trigger(‘change’);prop_state.val(link.data(‘state’)).trigger(‘change’);prop_search.val(link.text());hint.val(link.text());section.find(‘#prop_search_aria_update’).text(hint.val() + ‘ selected’);section.removeClass(‘mrc-zip-complete’);prop_search.attr(‘aria-expanded’, ‘false’);if ( ” == ‘standard’ ) {prop_search.focus().closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);} else {autoAdvanceSection(section);}}).on(‘mousedown’,’.fmcty-autocomplete-result’, function(e) {autocomplete_click = true;});form_var.find(‘[name=”property_search”]’).not(‘[type=”hidden”]’).wrap(”).on(‘focus’,function(e){var link = $(this),section = link.closest(‘.fmcty-section’);link.closest(‘.fmcty-field’).addClass(‘fmcty-field-focused’);if (section.hasClass(‘mrc-zip-complete’)) {prop_search.attr(‘aria-expanded’, ‘true’);}}).on(‘blur’,function(e){var link= $(this),section = link.closest(‘.fmcty-section’),prop_search = section.find(‘input[name=”property_search”]’);if(autocomplete_click) {autocomplete_click = false;form_var.on(‘mouseup’, function() {$(link).closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);prop_search.attr(‘aria-expanded’, ‘false’);$(this).off(‘mouseup’);});} else {$(link).closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);prop_search.attr(‘aria-expanded’, ‘false’);}}).on(‘keydown’,function(e){if(e.which === 13) {e.preventDefault();e.stopImmediatePropagation();}}).on(‘keyup’,function(e) {var input = $(this),section = input.closest(‘.fmcty-section’);hint= section.find(‘.fmcty-autocomplete-placeholder’),prop_field= section.find(‘.field-property_search’),prop_search = section.find(‘input[name=”property_search”]’);var results = $(‘.fmcty-autocomplete-result’);section.find(‘.fmcty-autocomplete-placeholder’).val(”);switch(e.which) {case 9:break;case 13:section.removeClass(‘mrc-zip-complete’);section.find(‘#prop_search_aria_update’).text(hint.val() + ‘ selected’);if ( ” == ‘standard’ ) {prop_search.focus().closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);} else {autoAdvanceSection(section);}break;case 16:case 37:case 38:case 39:case 40:break;default:Fmcty.fn.locationLookup({“event”: e,”input”: input,”value”: input.val()});break;}if (results.length && prop_field.hasClass(‘fmcty-field-focused’) && section.hasClass(‘mrc-zip-complete’) ) {var selected_result = results.filter(‘.hover’);results.removeClass(‘hover’).attr(‘aria-selected’, ‘false’);prop_search.attr(‘aria-activedescendant’, ”);if (e.which === 38 || e.which === 40) {var hint= section.find(‘.fmcty-autocomplete-placeholder’),prop_zip= section.find(‘input[name=”property_zip”]’),prop_state= section.find(‘input[name=”property_state”]’),prop_city = section.find(‘input[name=”property_city”]’);switch(e.which) {case 38:if (selected_result.length && selected_result.parent().prev().children(‘a’).length) {selected_result = selected_result.parent().prev().children(‘a’).addClass(‘hover’).attr(‘aria-selected’, ‘true’);prop_search.attr(‘aria-activedescendant’, selected_result.attr(‘id’));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data(‘zip’)).trigger(‘change’);prop_city.val(selected_result.data(‘city’)).trigger(‘change’);prop_state.val(selected_result.data(‘state’)).trigger(‘change’);} else {prop_search.attr(‘aria-activedescendant’, ”);}break;case 40:if (! selected_result.length) {selected_result = results.first().addClass(‘hover’).attr(‘aria-selected’, ‘true’);} else if (selected_result.parent().next().children(‘a’).length) {selected_result = selected_result.parent().next().children(‘a’).addClass(‘hover’).attr(‘aria-selected’, ‘true’);} else {selected_result = results.last().addClass(‘hover’).attr(‘aria-selected’, ‘true’);}prop_search.attr(‘aria-activedescendant’, selected_result.attr(‘id’));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data(‘zip’)).trigger(‘change’);prop_city.val(selected_result.data(‘city’)).trigger(‘change’);prop_state.val(selected_result.data(‘state’)).trigger(‘change’);break;}}}});});form_var.on(‘fmcty:ready’, function() {function check_ap() {if (typeof window.activeProspectCert !== ‘undefined’) {$(“input[name=’ap_token’]”).val(window.activeProspectCert).trigger(‘change’);} else {if(typeof loadTrustedForm == ‘function’) {loadTrustedForm();setTimeout(check_ap,1000);}}}check_ap();});form_var.on(‘fmcty:ready’, function(e,data){Fmcty.rngFields = [];var allInputs = Fmcty[data.form_id].config.inputs;Fmcty.rngFields.push(‘cookieTimeStamp’);Fmcty.rngFields.push(‘currentField’);Fmcty.rngFields.push(‘refresh’);Fmcty.rngFields.push(‘refreshCount’);Fmcty.rngFields.push(‘sessions’);$.each(allInputs,function(key,value){if((! this.doNotTrack && this.type !== “hidden” && this.type !== “html”) || key === “src” || key === “desc” || key === “cmp” || key === “curi” || key === “first_name” || key === “last_name” || key === “email” || key === “property_zip” || key === “property_state” || key === “property_city”){Fmcty.rngFields.push(key);}});});form_var.on(‘fmcty:section_complete’, function(e,data){Fmcty.fn.saveRngFormValues(data);});form_var.on(‘fmcty:submit’, function(e,data){Fmcty.fn.deleteRngValues();});mrcForm.on(“fmcty:section_complete”, function(e,data) {if(data.section.attr(“data-fmcty-section”) == “current-home”) {if(data.values.living_situation == “rent”) {mrcForm.find(‘[name=”purpose”][value=”P”]’).prop(‘checked’, true).trigger(‘change’);}};if(data.section.attr(“data-fmcty-section”) == “o-current-loan”) {Fmcty.fn.writeValueTo(data, ‘owner_current_loan_type’, ‘current_loan_type’);};if(data.section.attr(“data-fmcty-section”) == “o-military-branch”) {Fmcty.fn.writeValueTo(data, ‘owner_military_branch’, ‘military_branch’);};if(data.section.attr(“data-fmcty-section”) == “o-active-duty”) {Fmcty.fn.writeValueTo(data, ‘owner_military_status’, ‘military_status’);};if(data.section.attr(“data-fmcty-section”) == “o-pcs-orders”) {Fmcty.fn.writeValueTo(data, ‘owner_pcs’, ‘pcs’);};if(data.section.attr(“data-fmcty-section”) == “o-three-percent-down”) {Fmcty.fn.writeValueTo(data, ‘owner_three_percent_down’, ‘three_percent_down’);};if(data.section.attr(“data-fmcty-section”) == “o-down-payment”) {Fmcty.fn.writeValueTo(data, ‘owner_down_payment’, ‘down_payment’);};});};Fmcty.fn.setBindings(mrcForm);populateAddresses = function (result) {var input = $(‘input[name=”property_search_2″]’);var section = input.closest(‘.fmcty-section’);var prop_search = section.find(‘input[name=”property_search_2″]’);var prop_rupid = section.find(‘input[name=”property_rupid”]’);var autocomplete = section.find(‘.fmcty-autocomplete’);var autocomplete_results = autocomplete.find(‘.fmcty-autocomplete-results’);var placeholder = $(‘.fmcty-autocomplete-placeholder’);if (typeof result.content !== ‘undefined’) {autocomplete_results.html(“”);placeholder.html(“”);section.find(“#prop_search_aria_update”).text(result.content.length + ” location results”);section.removeClass(“fmcty-section-waiting mrc-section-waiting”).addClass(“mrc-zip-complete”);section.find(“.fmcty-field-validation”).remove();if (result.content.length > 0) {for (var i = 0; i ‘ + autocomplete_item + ‘‘);}} else {autocomplete_results.append(‘

  • Sorry, no results found
  • ‘);}} else {section.removeClass(“fmcty-section-waiting mrc-section-waiting”).removeClass(“mrc-zip-complete”);prop_search.attr(“aria-expanded”, “false”);section.find(“#prop_search_aria_update”).text(“”);prop_rupid.val(“”).trigger(“change”);section.find(“.fmcty-ajax-result-description”).remove();}$(‘body’).on(‘click’, ‘.fmcty-autocomplete-result’, function (e) {e.preventDefault();var link = $(this);var prop_address = section.find(‘input[name=”address”]’);var prop_rupid = section.find(‘input[name=”property_rupid”]’);prop_rupid.val(link.data(‘rupid’)).trigger(‘change’);prop_address.val(link.data(‘address’)).trigger(‘change’);placeholder.val(”);});$(‘[name=”property_search_2″]’).not(‘[type=”hidden”]’).on(‘keyup’, function (e) {var input = $(this),section = input.closest(‘.fmcty-section’),placeholder = $(‘.fmcty-autocomplete-placeholder’),results = $(‘.fmcty-autocomplete-results a’);if (results.length) {var selected_result = results.filter(‘.hover’);if (e.which === 38 || e.which === 39 || e.which === 40) {var prop_rupid = section.find(‘input[name=”property_rupid”]’),prop_zip = section.find(‘input[name=”zip”]’),prop_state = section.find(‘input[name=”property_state_2″]’),prop_city = section.find(‘input[name=”property_city_2″]’),prop_address = section.find(‘input[name=”address”]’);switch (e.which) {case 38: if (selected_result.length && selected_result.parent().prev().children(‘a’).length) {prop_rupid.val(selected_result.data(‘rupid’)).trigger(‘change’);prop_address.val(selected_result.data(‘address’)).trigger(‘change’);}placeholder.val(”);break;case 39: input.val(result.content[0].full_address.toUpperCase()).trigger(‘change’);prop_zip.val(result.content[0].zip).trigger(‘change’);prop_city.val(result.content[0].city).trigger(‘change’);prop_address.val(result.content[0].street_address).trigger(‘change’);prop_state.val(result.content[0].state).trigger(‘change’);prop_rupid.val(result.content[0].rupid).trigger(‘change’);placeholder.val(”);break;case 40: prop_address.val(selected_result.data(‘address’)).trigger(‘change’);prop_rupid.val(selected_result.data(‘rupid’)).trigger(‘change’);placeholder.val(”);break;}}}});};Fmcty.fn.writeValueTo = function(data,fieldFrom,fieldTo) {var value = data.values[fieldFrom];mrcForm.find(‘[name=”‘+ fieldTo +'”][value=”‘+ value +'”]’).prop(‘checked’, true).trigger(‘change’);};mrcForm.formocity(window.mrcFormConfig);}); ]]>

    The Philly region is one of only four metros where

    Philadelphia is holding on to its reputation as a relatively affordable place to buy a home.

    Home buyers across the country have been facing high prices and rising mortgage rates, but in the Philadelphia region, the monthly cost of owning a home in March was still slightly cheaper than the cost of renting — one of only a few areas of the country where that was true, according to an analysis by the online real estate brokerage Redfin.

    A median-priced home in the Philadelphia metropolitan area costs roughly 7% — about $130 — less per month to own than to rent. Roughly three in five properties were cheaper to buy, according to Redfin’s analysis of single-family homes, condos, co-ops, and townhouses.

    The region was one of only four major metros where buying was cheaper than renting. In the Detroit area, the typical home was 24% less expensive to own than to rent. In the Cleveland and Houston metros, homes were 4% and 1% less expensive to own, respectively.

    » READ MORE: Renting a house is more affordable than buying one in Philly and across the U.S. (From January)

    These four metro areas are all generally more affordable than other large metros and have lower prices than national averages, said Taylor Marr, deputy chief economist at Redfin. Properties in these areas don’t appreciate as rapidly as those in boom towns such as Austin, Texas.

    And rents don’t fall as much as home prices do, Marr said, so “it’s a little bit easier for it to be a bit more favorable to own.”

    For homes elsewhere in the country to become more affordable to own than to rent, mortgage interest rates would have to fall, according to Redfin’s analysis, since elevated rates inflate monthly mortgage payments.

    » READ MORE: Tips for home buyers worried about higher mortgage rates

    “It was almost surprising there were any places” where buying was cheaper than renting, Marr said. “Higher interest rates really changes the equation with owning and renting.”

    In the 50 U.S. metros with the highest populations, a median-priced home cost about 25% — $670 — more per month to own than to rent. The monthly mortgage payment for a typical home was $3,385, compared to a rent of $2,715.

    Redfin’s analysis assumed a 5% down payment. Having enough money for this up-front cost is often a barrier for first-time buyers who can’t use profits from a home sale. Higher home prices mean higher down payments.

    » READ MORE: Philly’s first-time home buyers will get more help from the city when its grant program returns

    If households can afford a down payment and monthly mortgage, buying a home can make financial sense because they’re building equity. But buying doesn’t make sense for everyone, including households that move a lot and wouldn’t be in their home long enough to build equity.

    Redfin’s analysis also is based on its estimates of home values in March and a 6.5% mortgage interest rate, which was the average rate in March.

    Rates are continuing to trend up after some dips and are about where they were in mid-March. The average 30-year fixed mortgage rate was 6.57% as of May 25, according to government-backed mortgage buyer Freddie Mac.

    An unrelated study of home sales from January through November 2022 by Attom, a national real estate data company, found that renting a home was more affordable than buying in the country’s largest counties, including Philadelphia. Although rents had risen faster than home prices, the city was one of the most affordable large counties for renters.

    There Are Only Four Major U

    • Buying is more affordable than renting in Detroit, Philadelphia, Cleveland and Houston.
    • The largest homeownership premium is in the Bay Area, where it’s twice as expensive to buy than rent.
    • Nationwide, the typical home costs an estimated 25% more per month to own than rent. 
    • A drop in mortgage rates would cause the homeownership premium to shrink. If rates fell to 5%, buying the typical home would only cost an estimated 10% more than renting it.

    There are just four major U.S. metropolitan areas where it would be cheaper to buy than rent the typical home—that is, the typical home has an estimated monthly mortgage cost lower than its estimated monthly rental cost.

    In Detroit, the typical home is 24% less expensive to buy than rent—the largest discount in percentage terms among the 50 most populous metros. The median estimated monthly mortgage payment for homebuyers is $1,296, compared with a median estimated monthly rent of $1,697. Next comes Philadelphia (7% ownership discount), followed by Cleveland (4% discount) and Houston (1% discount).

    Nationwide, the typical home costs 25% more to buy than rent.

    That’s according to a Redfin analysis of U.S. single-family homes, condos/co-ops and townhouses in the 50 most populous U.S. metros. We estimated what a homebuyer’s monthly housing payment would be on those properties using the Redfin Estimate of the homes’ value in March and a 6.5% mortgage interest rate—the average rate in March. We estimated what the monthly rent would be on those same homes using the Redfin Rental Estimate. When estimating monthly housing payments, we assumed a 5% down payment, homeowner’s insurance rate equal to 0.5% of the purchase price, and 1.25% annual property-tax rate if no tax records were available. This analysis includes homes that were for sale and rent in March, as well as those that were off the market. Historical Redfin data is not available at this time.

    “Buying a home often makes more financial sense than renting if you can afford a down payment and monthly mortgage because you’re building equity. When you own your home, your home pays you; when you rent, you and your home pay your landlord,” said Redfin Deputy Chief Economist Taylor Marr. “But buying isn’t a feasible option for everyone. Some people move around a lot, so renting might make more sense because they won’t be in their home long enough to build equity. Many others simply don’t have the money for a down payment—a situation that has become increasingly common due to rising mortgage rates and elevated home prices.”

    In Detroit, Philadelphia, Cleveland and Houston, it’s cheaper to buy a house than rent one because home values in those areas have stagnated relative to the country as a whole. When house hunters can’t build a lot of equity, they have less of an incentive to pay a premium to own, Marr said.

    It’s a double-edged sword, though; home values in Cleveland and Detroit are stagnant compared to pandemic boomtowns like Phoenix and Miami, so they don’t experience huge booms, but that also means they don’t experience the huge busts that are currently underway in much of the U.S. When more people can afford to buy homes—even if they’re not building a ton of equity—there is also more wealth equality, Marr added.

    In Detroit, 80% of properties are cheaper to buy than rent—the highest share in the U.S. Next comes Philadelphia (59%), followed by Cleveland (57%) and Houston (52%). That compares with a nationwide share of 19%.

    Mortgage Rates Would Have to Fall Significantly for Owning to Become Cheaper Than Renting Across the U.S.

    Detroit, Philadelphia, Cleveland and Houston are outliers. For homebuying to become cheaper than renting in other parts of the country, mortgage rates would need to fall substantially.

    If the 30-year-fixed mortgage rate dropped to 5%, the median estimated monthly mortgage payment for homebuyers would be $2,993, or 10% higher than the $2,716 median estimated monthly rent. That’s significantly lower than today’s 25% homeownership premium, with an estimated monthly mortgage payment of $3,385 and an estimated rent of $2,715.

    If rates dipped to 4%, the estimated premium would shrink to 1%. And if they fell back down to 3%, it would actually be 7% cheaper to rent. Please note that these calculations use estimated home values from March and prices and rents could change significantly if mortgage rates fall.

    Mortgage rates will likely fall below 6% by the end of the year as the Federal Reserve makes progress in its fight against inflation, but they’re unlikely to return to 3% levels anytime soon, Marr said. A national survey by Fannie Mae found that 22% of consumers surveyed in April think mortgage rates will fall, up from 12% the prior month.

    “I wouldn’t encourage people to squeeze their budgets in order to buy a home when prices are falling and we’re teetering on a recession,” Marr said. “In the years leading up to the pandemic, it made sense for some homebuyers to break the rule that says not to spend more than 30% of your income on monthly housing costs, but these times are more risky, so it makes sense to be a little more conservative.”

    While renters don’t build home equity, they do avoid the high costs that come with maintaining and selling a home. Some renters may also choose to invest the money they’re not putting toward homeownership into other lucrative asset classes.

    In the Bay Area, Buying a Home Is More Than Twice as Costly as Renting

    In San Jose, CA the typical home is 165% more expensive to buy than rent—the largest premium in percentage terms among the 50 most populous metros. The median estimated monthly mortgage payment for homebuyers is $11,049, compared with a median estimated monthly rent of $4,176.

    Next comes San Francisco (139% ownership premium), Oakland, CA (99% premium), Anaheim, CA (91% premium) and Seattle (88% premium).

    In the aforementioned metros, 0% of homes are cheaper to buy than rent.

    Homebuying is more expensive than renting in most of the country because it comes with perks: wealth building opportunities, fixed monthly costs and tax benefits, to name a few. The premium is highest on the West Coast because that’s where homebuyers expect the wealth building potential to be largest based on historical evidence, Marr explained.

    The rise in mortgage rates over the last year has increased the homeownership premium to the highest level since the 2006 housing bubble and widened the gap between buyers and renters by pushing homeownership further out of reach for many people. Nowhere is the housing affordability crisis more severe than in pricey coastal markets like the Bay Area and Seattle, where a jump in mortgage rates can mean a homebuyer’s monthly payment goes up by thousands of dollars.

    The upside is that because those markets have become so prohibitively expensive—partly due to rising mortgage rates and partly due to the surge in home prices during the pandemic—they’re now seeing home prices come down faster than nearly anywhere else in the U.S. Median sale prices in San Jose and Oakland dropped roughly 10% year over year in March, triple the nationwide decline. Rents have also been falling in some pricey coastal markets, but at a slower pace than home prices.

    In Pandemic Boomtowns, Virtually No Homes Are Cheaper to Buy Than Rent

    It probably doesn’t come as a surprise that there are virtually no homes in the Bay Area that are cheaper to buy than rent. But that’s now also the case in Sacramento, CA, Las Vegas, Phoenix and Austin, TX—metros that not long ago were fairly affordable. They exploded in popularity—and price—when scores of remote workers moved in during the pandemic.

    In Sacramento and Las Vegas, less than 1% of homes are cheaper to buy than rent. In Phoenix, the share is 1%, and in Austin, it’s 5%. All four metropolitan areas ranked on Redfin’s list of most popular migration destinations during the pandemic.

    “Housing affordability is an issue in Las Vegas. During the pandemic homebuying boom, we had a lot of people moving in from high-priced coastal areas. That caused home prices to soar faster than wages, creating a disadvantage for locals looking to buy,” said local Redfin Premier real estate agent Shay Stein. “The good news is that because the market has slowed, sellers are willing to accept offers from buyers who use FHA loans and down-payment assistance programs, and some are even throwing in money to help with mortgage-rate buydowns. All of that was unheard of during the 2021 homebuying frenzy.”

    ​​Metro-Level Summary: March 2023, 50 Most Populous U.S. Metros

    U.S. Metro Area Estimated Median Monthly Mortgage Cost Estimated Median Monthly Rent  Premium (%) of Estimated Monthly Mortgage Cost to Rent Premium ($) of Estimated Monthly Mortgage Cost to Rent Share of Properties With Estimated Monthly Mortgage Cost Lower Than Rent
    Anaheim, CA $7,892 $4,122 91.5% $3,771 0.0%
    Atlanta, GA $2,826 $2,463 14.7% $363 18.9%
    Austin, TX $3,801 $2,951 28.8% $850 5.1%
    Baltimore, MD $2,820 $2,397 17.6% $423 24.5%
    Boston, MA $4,916 $3,344 47.0% $1,573 0.8%
    Charlotte, NC $2,808 $2,161 29.9% $646 6.4%
    Chicago, IL $2,436 $2,307 5.6% $129 39.4%
    Cincinnati, OH $2,030 $1,910 6.2% $119 39.6%
    Cleveland, OH $1,730 $1,800 -3.9% -$71 56.8%
    Columbus, OH $2,327 $2,061 12.9% $266 28.3%
    Dallas, TX $3,076 $2,682 14.7% $394 21.2%
    Denver, CO $4,505 $2,843 58.5% $1,663 0.1%
    Detroit, MI $1,296 $1,697 -23.6% -$401 79.9%
    Fort Lauderdale, FL $3,321 $3,169 4.8% $152 38.5%
    Fort Worth, TX $2,542 $2,400 5.9% $142 32.0%
    Houston, TX $2,343 $2,371 -1.2% -$28 52.4%
    Indianapolis, IN $2,134 $1,861 14.7% $273 24.7%
    Jacksonville, FL $2,761 $2,378 16.1% $383 18.8%
    Kansas City, MO $2,188 $1,996 9.6% $192 32.2%
    Las Vegas, NV $3,134 $2,318 35.2% $816 0.6%
    Los Angeles, CA $6,454 $3,612 78.7% $2,842 0.0%
    Miami, FL $3,931 $3,291 19.4% $640 11.6%
    Milwaukee, WI $2,332 $1,870 24.6% $461 22.2%
    Minneapolis, MN $2,852 $2,381 19.8% $471 10.0%
    Montgomery County, PA $3,601 $2,954 21.9% $647 9.7%
    Nashville, TN $3,398 $2,423 40.2% $975 0.7%
    Nassau County, NY $5,112 $4,272 19.6% $839 11.7%
    New Brunswick, NJ $3,968 $3,338 18.9% $630 19.8%
    New York, NY $5,304 $3,867 37.2% $1,438 9.0%
    Newark, NJ $3,972 $3,286 20.9% $686 16.1%
    Oakland, CA $7,376 $3,700 99.4% $3,676 0.0%
    Orlando, FL $2,966 $2,566 15.6% $400 12.5%
    Philadelphia, PA $1,869 $2,000 -6.6% -$131 59.3%
    Phoenix, AZ $3,464 $2,765 25.3% $699 1.4%
    Pittsburgh, PA $1,648 $1,619 1.8% $29 47.6%
    Portland, OR $4,107 $2,672 53.7% $1,435 0.1%
    Providence, RI $3,321 $2,674 24.2% $647 8.6%
    Riverside, CA $4,320 $2,992 44.4% $1,329 2.4%
    Sacramento, CA $4,137 $2,695 53.5% $1,442 0.0%
    San Antonio, TX $2,188 $2,086 4.9% $102 38.0%
    San Diego, CA $6,704 $3,940 70.2% $2,764 0.1%
    San Francisco, CA $10,892 $4,552 139.3% $6,340 0.0%
    San Jose, CA $11,049 $4,176 164.6% $6,873 0.0%
    Seattle, WA $6,040 $3,208 88.3% $2,832 0.0%
    St. Louis, MO $2,044 $1,880 8.7% $164 37.9%
    Tampa, FL $2,915 $2,569 13.5% $346 21.7%
    Virginia Beach, VA $2,561 $2,107 21.5% $453 11.3%
    Warren, MI $2,333 $2,177 7.2% $156 37.2%
    Washington, D.C. $4,234 $2,858 48.2% $1,376 2.1%
    West Palm Beach, FL $3,838 $3,771 1.8% $68 46.0%
    National—U.S.A. $3,385 $2,715 24.7% $670 19.0%

     

    PHOTOS: $36M massive home in Memorial area is big-time luxe;

    HOUSTON – The mansion at 100 Carnarvon in the Memorial area is on the market for $36 million.

    It went the market around 100 days ago, and we’ve now been granted access to the photos to share with you on KPRC 2.

    Our eyes popped the first time we saw Carnarvon. The eight bedroom, eight bathroom estate with four half baths is the epitome of the word lavish. Built in 2002, the home has 26,401 square feet of interior space and sits on a 2.32-acre grounds. And not just any interior and grounds…

    “The interior design contributed by the renowned David Easton with the notion of creating a modern neoclassical property with impressionistic French design that would evoke classic, timeless elegance for all who visit,” the listing reads. “Enter the pillared grand archway to be surrounded by historical architecture, a rotunda of hand selected marble tiles with a romantic ornate floral chandelier along with the hand painted domed tall ceiling. Swaths of marble, soaring ceilings and towering columns run along artisanal millwork with surrounding warm fireplaces and hand-painted details.”

    The listing notes the home is designed to accommodate lavish galas and peaceful escapes with equal ease in an array of salons, grand galleries, and ballroom-like halls perfect for sumptuous celebrations and milestone events.

    Accommodations include a sprawling owner’s wing with a terrace and spa bathroom. Outside, the 2.32-acre grounds are filled with gardens, terraces and a Parisian-styled pool.

    The home is listed by Douglas Elliman Realty licensed associates Gigi Huang, Konrad Molski, and Dustan Gawthorp.

    100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)100 Carnarvon Drive (Steve Chenn)

    What do you think of this home? Let us know in the comments. Also — be sure to check out other amazing homes in the Houston area below.

    MORE:

    Looking for more posh Texas properties? Go to our real estate page or subscribe to our free weekly newsletter, House 2 Home.

    Copyright 2023 by KPRC Click2Houston – All rights reserved.

    VA Home Loans for Veterans and Military

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    New York Homebuyers:

    Due to state regulations, we are not able to accept home loan inquiries for New York properties on this site. If you are interested in a property in another area, you may hit Back and enter a different location.

    “},”when_loan” : {“label”: “When are you planning to make your home purchase?”,”type” : “radio”,”required” : true,”placeholder” : “Select your timeframe…”,”options” : [[ “signed purchase agreement” , “Immediately: Signed a Purchase Agreement” ],[ “offer pending” , “ASAP: Found a House/Offer Pending” ],[ “within a month” , “Within 30 Days” ],[ “2 to 3 months” , “2 – 3 Months” ],[ “3 to 6 months” , “3 – 6 Months” ],[ “over 6 months” , “6+ Months” ],[ “no time frame” , “No Time Frame/Still Researching Options” ]]},”preventing_loan” : {“label”: “What prevents you from buying your new home today?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “credit” , “My credit rating is too low” ],[ “income” , “My income is too low” ],[ “under_lease” , “I am locked in a rent/lease” ],[ “new_city” , “I am transferring to a new location” ],[ “still_looking” , “I haven’t found a home yet”],[ “other” , “Other” ]]},”property_value” : {“label”: “What is your price range?”,”description”: “(An estimate is fine)”,”type” : “radio”,”required” : true,”options” : [[ “700001” , “$700K or more” ],[ “700000” , “$600K – $700K” ],[ “600000” , “$500K – $600K” ],[ “500000” , “$400K – $500K” ],[ “400000” , “$350K – $400K” ],[ “350000” , “$300K – $350K” ],[ “300000” , “$250K – $300K” ],[ “250000” , “$200K – $250K” ],[ “200000” , “$150K – $200K” ],[ “150000” , “$100K – $150K” ],[ “90000”, “under $100K” ],[ “150001” , “I don’t know”]],”onChange” : “calculateDownPayment”,},”home_value” : {“label”: “What is the value of your home?”,”description”: “(An estimate is fine)”,”type” : “currency”,”required” : true,”attr”: “size=”11″ maxlength=”11″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid dollar amount.”,”onChange”: “calcRefiLtv”,},”down_payment” : {“label”: “How much of a down payment would you like to make?”,”description”: “”,”type” : “radio”,”required” : true,”options” : [[ “0” , “0%” ],[ “3.5” , “3.5%” ],[ “5” , “5%” ],[ “10” , “10%” ],[ “15” , “15%” ],[ “20” , “20%” ],[ “21” , “More than 20%” ]]},”credit_rating” : {“label”: “What is your current credit score?”,”description” : “”,”type” : “radio”,”required” : true,”options” : [[“Excellent” , “Excellent (720+)”],[“Good” , “Good (680-719)”],[“Fair” , “Fair (640-679)”],[“Below Average” , “Below Average (620-639)”],[“Poor” , “Poor (Below 620)”],[“unknown” , “I don’t know”]],},”current_rate” : {“label”: “What is your current mortgage interest rate?”,”type” : “select”,”required” : true,”placeholder” : “Select your current interest rate…”,”options” : [[ “2.99” , “under 3%” ],[ “3” , “3%” ],[ “3.125” , “3.125%” ],[ “3.25” , “3.25%” ],[ “3.375” , “3.375%” ],[ “3.5” , “3.5%” ],[ “3.625” , “3.625%” ],[ “3.75” , “3.75%” ],[ “3.875” , “3.875%” ],[ “4” , “4%” ],[ “4.125” , “4.125%” ],[ “4.25” , “4.25%” ],[ “4.375” , “4.375%” ],[ “4.5” , “4.5%” ],[ “4.625” , “4.625%” ],[ “4.75” , “4.75%” ],[ “4.875” , “4.875%” ],[ “5” , “5%” ],[ “5.125” , “5.125%” ],[ “5.25” , “5.25%” ],[ “5.375” , “5.375%” ],[ “5.5” , “5.5%” ],[ “5.625” , “5.625%” ],[ “5.75” , “5.75%” ],[ “5.875” , “5.875%” ],[ “6” , “6%” ],[ “6.125” , “6.125%” ],[ “6.25” , “6.25%” ],[ “6.375” , “6.375%” ],[ “6.5” , “6.5%” ],[ “6.625” , “6.625%” ],[ “6.75” , “6.75%” ],[ “6.875” , “6.875%” ],[ “7” , “7%” ],[ “7.125” , “7.125%” ],[ “7.25” , “7.25%” ],[ “7.375” , “7.375%” ],[ “7.5” , “7.5%” ],[ “7.625” , “7.625%” ],[ “7.75” , “7.75%” ],[ “7.875” , “7.875%” ],[ “8” , “8%” ],[ “8.125” , “8.125%” ],[ “8.25” , “8.25%” ],[ “8.375” , “8.375%” ],[ “8.5” , “8.5%” ],[ “8.625” , “8.625%” ],[ “8.75” , “8.75%” ],[ “8.875” , “8.875%” ],[ “9” , “9%” ],[ “9.125” , “9.125%” ],[ “9.25” , “9.25%” ],[ “9.375” , “9.375%” ],[ “9.5” , “9.5%” ],[ “9.625” , “9.625%” ],[ “9.75” , “9.75%” ],[ “9.875” , “9.875%” ],[ “10” , “10%” ],[ “10.01” , “over 10%” ],[ “5.01” , “I don’t know” ]]},”balance” : {“label”: “How much do you currently owe on your home mortgage?”,”type” : “currency”,”required” : true,”attr”: “size=”11″ maxlength=”11″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid dollar amount.”,”onChange”: “calcRefiLtv”,},”refi_ltv” : {“type”: “hidden”,”onChange”: “calcRefiTotalLoanAmount”},”refi_total_loan_amount” : {“type”: “hidden”},”refi_ltv_message” : {“type”: “hidden”,”label” : “

    Based on the information provided, your loan-to-value ratio is too high for a Cash-Out refinance with Veterans United.
    Learn more about VA Cash-Out Refinancing

    Would you still like to see if we can lower your interest rate?

    “,”required”: true,”value” : 1},”ny_opq_message” : {“type”: “hidden”,”label” : “

    Thank you for coming to Veterans United Home Loans! To continue your home loan request, please continue to our secure, online mortgage preapproval system.

    Get Preapproved Online →“,”required”: true,”value” : 1,},”tx_cashout_message” : {“type”: “radio”,”label” : “

    Due to state restrictions, we do not offer cash-out or debt consolidation refinances in the state of Texas.

    Would you still like to see if we can lower your interest rate?

    “,”required”: true,”class” : “field-stacked”,”options” : [[ “1” , “Yes, continue” ],],”onChange” : “txCashout”},”currentva” : {“label”: “Do you currently have a VA Loan?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes, I currently have a VA loan” ],[ “no” , “No, I do not currently have a VA Loan” ]]},”property_type” : {“label”: “What type of property are you buying?”,”type” : “radio”,”required” : true,”options” : [[ “single” , “Single-Family Home” ],[ “condominium” , “Condominium” ],[ “townhome” , “Town Home” ],[ “multifamily” , “Multi-Family” ],[ “manufactured” , “Mobile / Manufactured” ],[ “new construction” , “New Construction” ],[ “other” , “Other” ]]},”manufactured_own” : {“label”: “Will you own or rent the land your home is on?”,”description” : “Your lender will use this information to determine what kind of loan is right for you.”,”type” : “radio”,”required” : true,”options” : [[ “own” , “Own” ],[ “rent” , “Rent” ]]},”property_use” : {“label”: “How will this property be used?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “primary” , “Primary Residence” ],[ “secondary” , “Secondary / Vacation Home” ],[ “investment” , “Investment Property” ],[ “other” , “Other” ]]},”living_situation” : {“label”: “Do you currently own a home?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “own” , “Yes, I currently own a home” ],[ “rent” , “No, I am currently renting” ],[ “other” , “No, I have other living arrangements” ]]},”email” : {“label” : “What is your email address?”,”description” : “”,”type”: “email”,”required”: true,”placeholder” : “email@example.com”,”invalidMsg”: “Please enter a valid email address.”,”doNotTrack”: true},”name_label” : {“type”: “html”,”content” : “

    What is your name?

    “},”first_name” : {“label” : “First Name:”,”type”: “text”,”required”: true,”placeholder” : “First”,”invalidMsg”: “Please enter your first name.”,”doNotTrack”: true},”last_name” : {“label” : “Last Name:”,”type”: “text”,”required”: true,”placeholder” : “Last”,”invalidMsg”: “Please enter your last name.”,”doNotTrack”: true},”address_label” : {“type”: “html”,”content” : “

    What is your current street address and ZIP?

    “},”address” : {“label” : “Street Address:”,”description” : “”,”type”: “text”,”required”: true,”placeholder” : “Street Address”,”invalidMsg”: “Please provide your current street address.”,”doNotTrack”: true},”zip” : {“label” : “ZIP Code:”,”type”: “text”,”required”: true,”placeholder” : “ZIP Code”,”attr”: “size=”5″ maxlength=”5″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid 5-digit ZIP code.”},”time_at_current_address” : {“label”: “How long have you lived at this address?”,”type” : “radio”,”required” : true,”placeholder” : “Select a timeframe…”,”class” : “field-stacked”,”options” : [[ “less than 1 year” , “Less than 1 year” ],[ “1 to 2 years” , “1 – 2 Years” ],[ “2 to 5 years” , “2 – 5 Years” ],[ “over 5 years” , “5+ Years” ]]},”phone_full” : {“label” : “What is your phone number?”,”description” : “”,”type”: “tel”,”required”: true,”placeholder” : “(    )     -“,”invalidMsg”: “Please enter a valid phone number.”,”doNotTrack”: true},”vuhlagree_preamble” : {“type”: “html”,”content” : “

    By submitting, I acknowledge, consent and agree to the terms listed below.

    “},”vuhlagree” : {“type”: “html”,”content” : “By submitting, I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.”},”vuhlagree_checkbox” : {“type”: “checkbox”,”value” : 1,”required”: true,”invalidMsg”: “Check the box above to continue online. You may alternatively call us at 1-800-884-5560 to move ahead.”,”label” : “I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.”},”opq” : {“label”: “You’re almost there! 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    When does your lease end?

    “},”renting_end_date_month” : {“label” : “Month:”,”type”: “select”,”required”: true,”placeholder” : “Month”,”invalidMsg”: “Please select a month.”,”options” : [[ “01” , “01 – January” ],[ “02” , “02 – February” ],[ “03” , “03 – March” ],[ “04” , “04 – April” ],[ “05” , “05 – May” ],[ “06” , “06 – June” ],[ “07” , “07 – July” ],[ “08” , “08 – August” ],[ “09” , “09 – September” ],[ “10” , “10 – October” ],[ “11” , “11 – November” ],[ “12” , “12 – December” ],[ “99” , “Other / No End Date” ]]},”renting_end_date_year” : {“label” : “Year:”,”type”: “select”,”required”: true,”placeholder” : “Year”,”invalidMsg”: “Please select a valid date in the future.”,”options” : [[ “2023” , “2023” ],[ “2024” , “2024” ],[ “2025” , “2025” ],[ “2026” , “2026” ],[ “2027” , “2027” ],[ “2028” , “2028+” ],[ “9999” , “Other / No End Date” ]]},”current_rent_amount” : {“label”: “What is your current monthly rent payment?”,”type” : “currency”,”placeholder” : “”,”required” : true,”attr”: “size=”9″ maxlength=”9″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid dollar amount.”,},”desired_payment” : {“label” : “What is your desired monthly payment?”,”description” : “Enter a monthly payment, including taxes and insurance, that feels comfortable in your budget. An estimate is fine.”,”type”: “currency”,”required”: true,”placeholder” : “”,”invalidMsg”: “Please enter a valid dollar amount.”,”attr”: “size=”9″ maxlength=”9″ pattern=”[0-9]*””,},”twilio_phone” : {“label” : “What is your phone number?”,”type”: “tel”,”required”: true,”placeholder” : “(    )     -“,”invalidMsg”: “Please enter a valid phone number.”,”doNotTrack”: true,},”phone_resend_label” : {“type”: “html”,”content” : “Didn’t get a code?”},”phone_resend_text” : {“label” : “”,”type”: “radio”,”class” : “inline-link”,”required”: false,”options” : [[ “text” , “Resend code” ],],”onChange”: “resendCodeText”,},”phone_resend_call” : {“label” : “”,”type”: “radio”,”class” : “inline-link”,”required”: false,”options” : [[ “call” , “Call me with a code” ],],”onChange”: “resendCodeCall”,},”phone_verify_code” : {“label” : “Verification Code”,”description” : “Please enter the 4-digit code that was sent to you.”,”type”: “text”,”attr”: “inputmode=”numeric” autocomplete=”one-time-code” maxlength=”4″ pattern=”[0-9]*””,”required”: true,”placeholder” : ‘0000’,”invalidMsg”: “Please enter the code sent.”,},”previous_customer” : {“label” : “Have you closed a loan with Veterans United before?”,”type”: “radio”,”required”: true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes” ],[ “no” , “No” ],]},”vu_referrer” : {“label” : “How did you hear about Veterans United?”,”type”: “radio”,”required”: true,”options” : [[ “friend or family” , “Friend or Family Member” ],[ “real estate agent” , “Real Estate Agent” ],[ “builder” , “My Builder” ],[ “internet search” , “Internet Search” ],[ “online ad” , “Online Advertisement” ],[ “tv or radio” , “TV or Radio Ad” ],[ “direct mail” , “Direct Mail” ],[ “other” , “Other” ]]},”disability_rating” : {“label”: “Do you have a disability rating of 10% or higher from the VA?”,”description” : “Your disability rating may exempt you from the VA Funding Fee, a governmental fee applied to every VA purchase and refinance loan. This fee goes directly to the Department of Veterans Affairs.“,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes” ],[ “no” , “No” ],[ “unknown” , “I’d rather not say” ]]},”disability_income” : {“label”: “Are you currently receiving VA Disability Income?”,”description” : “Your receipt of VA disability income may help us determine other benefits of your VA loan.”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes” ],[ “no” , “No” ],[ “unknown” , “I’d rather not say” ]]},”current_loan_type” : {“label” : “What type of loan is your current mortgage?”,”type” : “radio”,”required” : true,”options” : [[“Conventional” , “Conventional”],[“VA” , “VA”],[“FHA” , “FHA”],[“USDA” , “USDA”],[“none” , “No current mortgage”],[“unknown” , “I don’t know”]]},”previous_va_loan” : {“label” : “Have you ever used a VA Loan before?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[“yes” , “Yes”],[“no” , 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    Maximum cashout amount based on the home value and mortgage balance information you supplied. Not guaranteed until locked in by your Loan Officer.

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function(data){var form_id = data.form_id,codeValue = data.value,phoneValue= Fmcty[form_id].verifiedPhone,carrierType = Fmcty[form_id].verifiedCarrierType;if(carrierType == “mobile”) {var ajaxUrl = “/ajax/twilio_check_verify.php?verify_method=sms&code=” + codeValue + “&phone=” + phoneValue;} else if(carrierType == “landline”) {var ajaxUrl = “/ajax/twilio_check_verify.php?verify_method=call&code=” + codeValue + “&phone=” + phoneValue;}$.ajax({url: ajaxUrl,dataType: ‘json’,success: function(res){if (res.success) {data.input.valid();Fmcty[form_id].submit(false);} else {data.input.validationText = “Incorrect Verification Code”;data.input.invalid();}},error: function (res){}});setTimeout(function() {data.input.valid();data.input.closest(‘.fmcty-section’).removeClass(‘fmcty-section-waiting’);},1);};Fmcty.fn.sendVerification = function(data){var form_id = data.form_id,carrierType = Fmcty[form_id].verifiedCarrierType,phoneValue = Fmcty[form_id].verifiedPhone,currentSlide = $(‘#’+form_id+’ .fmcty-section-active’).data(‘fmcty-section’);if(Fmcty[form_id].hasOwnProperty(‘verifiedPhone’) && currentSlide != “phone-verify”) {var resendType = data.value;if (carrierType === ‘mobile’ && resendType === ‘text’){var ajaxUrl = “/ajax/twilio_verify_send_code.php?verify_method=sms&phone=” + phoneValue;} else if (carrierType === ‘landline’ || resendType === ‘call’){var ajaxUrl = “/ajax/twilio_verify_send_code.php?verify_method=call&phone=” + phoneValue;};$.ajax({url: ajaxUrl,dataType: ‘json’,success: function(res){},error: function(res){data.input.invalid();},});} else {if (carrierType === ‘mobile’){var ajaxUrl = “/ajax/twilio_verify_send_code.php?verify_method=sms&phone=” + phoneValue;} else if (carrierType === ‘landline’){var ajaxUrl = “/ajax/twilio_verify_send_code.php?verify_method=call&phone=” + phoneValue;};$.ajax({url: ajaxUrl,dataType: ‘json’,success: function(res){data.input.valid();Fmcty[form_id].next(false);},error: function(res){data.input.invalid();},});};};Fmcty.fn.validatePhone = function(data) {var rx = new RegExp(‘^\d{10}$’),form_id = data.form_id,phoneValue = data.value;if (Fmcty[form_id].hasOwnProperty(‘verifiedPhone’) && Fmcty[form_id].verifiedPhone == phoneValue){setTimeout(function(){$(‘#’+form_id+’ .fmcty-section[data-fmcty-section=”phone-verify-code”]’).removeClass(‘fmcty-section-waiting’);},1);Fmcty[form_id].next(false);} else {if(rx.test(phoneValue) && ! Fmcty[form_id].phoneCheckInProgress){Fmcty[form_id].phoneCheckInProgress = true;$.ajax({url: “/ajax/twilio_phone_lookup.php?phone=” + phoneValue,dataType: ‘json’,success: function(res){if(res.carrier_type != ‘invalid’){Fmcty[form_id].verifiedCarrierType = res.carrier_type;Fmcty[form_id].verifiedPhone = phoneValue;data.form.find(‘input[name=”phone_full”]’).val(data.values.twilio_phone).trigger(‘change’);Fmcty.fn.sendVerification(data);} else {data.input.invalid();}data.input.closest(‘.fmcty-section’).removeClass(‘fmcty-section-waiting’);Fmcty[form_id].phoneCheckInProgress = false;},error: function(res){data.input.closest(‘.fmcty-section’).removeClass(‘fmcty-section-waiting’);data.input.invalid();}});} else {setTimeout(function() {data.input.closest(‘.fmcty-section’).removeClass(‘fmcty-section-waiting’);data.input.invalid();},1);}};};Fmcty.fn.resendCodeText = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.resendCodeCall = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.showOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest(‘.fmcty-form’).find(‘.fmcty-section[data-fmcty-section=”phone”] .fmcty-submit’).html(‘Continue’);return false;};Fmcty.fn.hideOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest(‘.fmcty-form’).find(‘.fmcty-section[data-fmcty-section=”phone”] .fmcty-submit’).html(‘Getu0020Myu0020Quote’);return false;};Fmcty.fn.validateRentingEndDate = function(data) {var isValid = true,currMonth = 05,currYear= 2023;if (data.values) {if ( parseInt(data.values.renting_end_date_month) ‘).appendTo(prop_search.parent());}if ( ! autocomplete.length ) {autocomplete = $(‘

    When autocomplete results are available use up and down arrows to review and enter to select.

    ‘).insertAfter(prop_search.parent().parent());}var autocomplete_results = autocomplete.find(‘.fmcty-autocomplete-results’);if (value.length ‘+autocomplete_item+’‘);}}location = result.data[0];section.find(‘#prop_search_aria_update’).text(result.data.length + ‘ location results’);section.removeClass(‘fmcty-section-waiting mrc-section-waiting’).addClass(‘mrc-zip-complete’);prop_search.closest(‘.fmcty-field’).addClass(‘fmcty-field-focused’);prop_search.attr(‘aria-expanded’, ‘true’);section.find(‘.fmcty-field-validation’).remove();location_display = “”;if (location.PLACENAME) {location_display += location.PLACENAME+”, “;prop_city.val(location.PLACENAME).trigger(‘change’);} else {prop_city.val(”).trigger(‘change’);}if (location.STATEABBV) {location_display += location.STATEABBV;prop_state.val(location.STATEABBV).trigger(‘change’);} else {prop_state.val(”).trigger(‘change’);}if (location.ZIPCODE) {prop_zip.val(location.ZIPCODE).trigger(‘change’);} else {prop_zip.val(”).trigger(‘change’);}if (location.type === “zip”) {location_display = location.ZIPCODE+”, ” + location_display;}var location_display_partial = location_display.slice(0, value.length),value_regex = new RegExp(value.replace(/[.-dws]+/g, ‘$&’), ‘i’),location_regex = new RegExp(location_display_partial.replace(/[.-dws]+/g, ‘$&’), ‘i’),location_result = location_regex.test(value_regex);if (location_result) {location_display = value + location_display.slice(value.length);} else {location_display = “”;}result_display.val(location_display);} else {section.removeClass(‘fmcty-section-waiting mrc-section-waiting’).removeClass(‘mrc-zip-complete’);prop_search.attr(‘aria-expanded’, ‘false’);section.find(‘#prop_search_aria_update’).text(”);prop_zip.val(”).trigger(‘change’);prop_city.val(”).trigger(‘change’);prop_state.val(”).trigger(‘change’);result_display.val(”);section.find(‘.fmcty-ajax-result-description’).remove();}},function(result) {if (result.statusText && result.statusText === “error”) {section.removeClass(‘fmcty-section-waiting mrc-section-waiting’).removeClass(‘mrc-zip-complete’);prop_search.attr(‘aria-expanded’, ‘false’);prop_state.val(‘fail’).trigger(‘change’);section.find(‘.fmcty-ajax-result-description’).remove();} else {prop_zip.val(”).trigger(‘change’);prop_city.val(”).trigger(‘change’);prop_state.val(”).trigger(‘change’);result_display.val(”);}});};Fmcty.fn.setPropertyState = function(Fmcty,input,value,values,event) {var form;if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */form= Fmcty.form;value = Fmcty.value;} else {form = input.closest(‘.fmcty-form’);}form.find(‘input[name=”property_state”]’).val(value).trigger(‘change’);form.find(‘input[name=”property_city”]’).val(”).trigger(‘change’);};if (Fmcty.values) {var prop_search_val = “”;if (Fmcty.values.property_zip) {prop_search_val = Fmcty.values.property_zip;if (Fmcty.values.property_city) {prop_search_val += “, “;}}if (Fmcty.values.property_city) {prop_search_val += Fmcty.values.property_city;if (Fmcty.values.property_state) {prop_search_val += “, ” + Fmcty.values.property_state;}}Fmcty.values.property_search = prop_search_val;}Fmcty.fn.calcRefiLtv = function(data){Fmcty.fn.calcRefiTotalLoanAmount(data);if (!data.values.home_value || !data.values.balance || data.values.home_value == 0) {return;}var homeVal = parseInt(data.values.home_value),balance = parseInt(data.values.balance),ltv = Math.round(balance / homeVal * 100),cashOutMax = Math.round((homeVal * .9 ) – balance);if (cashOutMax > 325000){cashOutMax = 325000;} else if (cashOutMax cashOutMax) {data.form.find(‘[name=”cash_out_amount”]’).val(cashOutMax).trigger(‘change’);}data.form.find(‘[name=”refi_ltv”]’).val(ltv).trigger(‘change’);data.form.find(‘.fmcty_max_cash_out’).text(String(cashOutMax).replace(/(.)(?=(d{3})+$)/g,’$1,’));};Fmcty.fn.calcRefiTotalLoanAmount = function(data){var balance = parseInt(data.values.balance) || 0,cashout = parseInt(data.values.cash_out_amount) || 0;data.form.find(‘[name=”refi_total_loan_amount”]’).val(balance + cashout).trigger(‘change’);};Fmcty.fn.txCashout = function(data){data.form.find(‘input[name=”refi_reason”]’).prop(‘checked’,false).trigger(‘change’).filter(‘[value=”rate”]’).prop(‘checked’,true).trigger(‘change’);};Fmcty.fn.submitFn = function(data){var response = data;if (data.response) {response = data.response; /* Fmcty 2.0 conversion */}if (data.values) {Fmcty.fn.recordLeadFeed(data.values);}if (response && response.return_url) {window.location = response.return_url;}};Fmcty.fn.recordLeadFeed = function(values){if (values && values.first_name && values.property_city){var badNames = [“test”,”fuck”,”fucker”,”shit”,”bitch”,”nigger”,”no”,”none”];if(jQuery.inArray(values.first_name.toLowerCase(), badNames) === -1) {$.ajax({type: “POST”,url: “https://webhook.proofapi.com/cw/s8PWk6DsvxQ1kIlMHomPRJK4BRE2/-M78Glw6aeb1hgoWfTvm”,dataType: “json”,data: {“type” : “custom”,”first_name” : values.first_name,”email” : values.first_name+values.zip+Math.floor((Math.random() * 1000) + 1)+”@example.com”,”city”: values.property_city,”state”: values.property_state,”country”: “United States”,},success: function(response) {},error: function(response) {},});}}};Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRngCookie = function(data){var cookieName = “rngFormData”;var lifetime =30;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRngFormValues = function(data){var values = data.values;var cookie = Fmcty.fn.checkRngCookie(‘rngFormData’);var rngData = {};rngData.cookieTimeStamp = new Date();rngData.currentField = $(data.section).attr(‘data-fmcty-section’);var session = Fmcty.fn.newSession(values);rngData.progress = [];if (typeof cookie !== ‘undefined’) {rngData.refreshCount = cookie.refreshCount;if(typeof cookie.progress !== ‘undefined’) {rngData.progress = cookie.progress;}} else {rngData.refreshCount = 0;}if(window.sessionStorage.isNewSession != ‘false’ || typeof window.sessionStorage.inNewSession === ‘undefined’) {rngData.progress.push(JSON.parse(session));}$.each(values,function(key,value){if ($.inArray(key,Fmcty.rngFields) !== -1){rngData[key] = value;}});Fmcty.fn.createRngCookie(rngData);};Fmcty.fn.deleteRngValues = function() {var cookieName = “rngFormData”;Fmcty.fn.createCookie(cookieName,””,-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = “; expires=”+date.toGMTString();}else var expires = “”;document.cookie = name+”=”+value+expires+”; path=/”;};Fmcty.fn.checkRngCookie = function(name) {const value = `; ${document.cookie}`;const parts = value.split(`; ${name}=`);if (parts.length === 2) return $.parseJSON(atob(parts.pop().split(‘;’).shift()));};Fmcty.fn.newSession = function(data) {window.sessionStorage.isNewSession = false; var date = new Date();var nextSection = Fmcty.fn.findNextSection(Object.keys(data));return ‘{“timestamp”:”‘+date.toLocaleString().replace(/[^ -~]/g,”)+'”, “nextSection”:”‘+nextSection+'”, “src”:”‘+data.src+'”, “cmp”:”‘+data.cmp+'”}’;};Fmcty.fn.findNextSection = function(prefilledFields) {var form = $(‘#mapPropGroupStart’);var fieldClasses = prefilledFields.map(function(field) {return ‘.field-‘ + field;});fieldClasses.push(‘.fmcty-field-hidden, .fmcty-field-hidden-input:not(.field-ny_opq_message), .fmcty-field-html, .fmcty-field-submit, .fmcty-field-next, .fmcty-field-prev’);var nextSection = form.find(‘.fmcty-field’).not(fieldClasses.join(‘, ‘)).first().closest(‘.fmcty-section’);return nextSection.parent().children().index(nextSection) + 1;};addEventListener(‘beforeunload’, (event) => {var data = Fmcty.fn.checkRngCookie(‘rngFormData’);if(!data) {} else {data.refreshCount++;Fmcty.fn.createRngCookie(data);}});Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRldCookie = function(data){var cookieName = “rldFormData”;var lifetime =1;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRldFormValues = function(data){var values = data.values;var rldData = {};rldData.cookieTimeStamp = new Date();rldData.currentField = $(data.section).attr(‘data-fmcty-section’);$.each(values,function(key,value){if ($.inArray(key,Fmcty.rldFields) !== -1){rldData[key] = value;}});Fmcty.fn.createRldCookie(rldData);};Fmcty.fn.deleteRldValues = function() {var cookieName = “rldFormData”;Fmcty.fn.createCookie(cookieName,””,-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = “; expires=”+date.toGMTString();}else var expires = “”;document.cookie = name+”=”+value+expires+”; path=/”;};Fmcty.fn.setBindings = function(form_var){form_var.on(“fmcty:next fmcty:prev”,function(e,data){var scrollTop = $(document).scrollTop(),formTop = $(‘#mapPropGroupStart’).offset().top;if ( scrollTop > formTop ) {$(“html, body”).animate({scrollTop:formTop},500)}});form_var.on(“fmcty:next”,function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== ‘undefined’) {ga(‘vuhlga.send’, {hitType: ‘event’,eventCategory: ‘Formocity: #mapPropGroupStart’,eventAction: ‘Advance To Section’,eventLabel: $(elem).data(‘fmctySection’)});}});form_var.on(“fmcty:prev”,function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== ‘undefined’) {ga(‘vuhlga.send’, {hitType: ‘event’,eventCategory: ‘Formocity: #mapPropGroupStart’,eventAction: ‘Back To Section’,eventLabel: $(elem).data(‘fmctySection’)});}});form_var.on(“fmcty:change”,function(e,data){if (window.dataLayer && data && data.input_name && ( data.input_name === “property_value” || data.input_name === “home_value” ) ) {var adValue = parseInt(data.value) / 1000;window.dataLayer.push({event : “adValue”,adValue : adValue});}});form_var.on(“fmcty:submit”,function(e,data){var values;if (data.values) {values = data.values;} else {values = data;}if (typeof ga !== ‘undefined’) {ga(‘vuhlga.send’, {hitType: ‘event’,eventCategory: ‘Formocity: #mapPropGroupStart’,eventAction: ‘Submit’,eventLabel: values.plc + ‘ ~ ‘ + values.purpose});}if (window.dataLayer) {if ( ! ( parseInt(values.property_value) ‘).prependTo(‘#mapPropGroupStart’);progWrapper = progBar.wrap(”).parent();progText = $(”).appendTo(progWrapper);});form_var.on(‘fmcty:progress_updated’,function(e,data){var progress = data;if (data.progress) {progress = data.progress; /* Fmcty 2.0 conversion */}if (progBar && progBar.length){var progressPct = (progress.currentStep)/progress.activeSteps*100;if (isNaN(progressPct) || progressPct 100) {progressPct = 100;}progBar.css(‘transform’, ‘translateX(-‘ + (100-progressPct) + ‘%)’);if (progress.currentStep > 1) {progWrapper.addClass(‘fmcty-progress-bar-active’);} else {progWrapper.removeClass(‘fmcty-progress-bar-active’);}}});form_var.on(“fmcty:progress_updated”,function(e,data){if (data.progress.currentStep > 1) {$(‘body’).addClass(‘form-started form-engaged’);data.container.addClass(‘fmcty-started fmcty-engaged’);} else {$(‘body’).removeClass(‘form-started’);data.container.removeClass(‘fmcty-started’);}});form_var.on(‘fmcty:section_complete’, function(e, data){if (data.section.attr(‘data-fmcty-section’) == ’email’){if(Fmcty.mapPropGroupStart) {var values = Fmcty.mapPropGroupStart.values;$.post(“/v3/marketo_partial.php”, values);}}});var plc = form_var.data(‘fmctyPlc’);if (plc && mapHeroForm && mapHeroForm.inputs && mapHeroForm.inputs.plc) {mapHeroForm.inputs.plc.value = plc;}form_var.on(‘fmcty:ready’,function(e,data) {var autocomplete_click = false;function autoAdvanceSection (section) {var hasAutoAdvance = !(section.data(‘fmcty-auto-advance’) === false);if (hasAutoAdvance) {Fmcty[‘mapPropGroupStart’].next();}}form_var.on(‘click’,’.fmcty-autocomplete-result’,function(e) {e.preventDefault();var link= $(this),section = link.closest(‘.fmcty-section’),hint= section.find(‘.fmcty-autocomplete-placeholder’),prop_search = section.find(‘input[name=”property_search”]’),prop_zip= section.find(‘input[name=”property_zip”]’),prop_state= section.find(‘input[name=”property_state”]’),prop_city = section.find(‘input[name=”property_city”]’);prop_zip.val(link.data(‘zip’)).trigger(‘change’);prop_city.val(link.data(‘city’)).trigger(‘change’);prop_state.val(link.data(‘state’)).trigger(‘change’);prop_search.val(link.text());hint.val(link.text());section.find(‘#prop_search_aria_update’).text(hint.val() + ‘ selected’);section.removeClass(‘mrc-zip-complete’);prop_search.attr(‘aria-expanded’, ‘false’);if ( ” == ‘standard’ ) {prop_search.focus().closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);} else {autoAdvanceSection(section);}}).on(‘mousedown’,’.fmcty-autocomplete-result’, function(e) {autocomplete_click = true;});form_var.find(‘[name=”property_search”]’).not(‘[type=”hidden”]’).wrap(”).on(‘focus’,function(e){var link = $(this),section = link.closest(‘.fmcty-section’);link.closest(‘.fmcty-field’).addClass(‘fmcty-field-focused’);if (section.hasClass(‘mrc-zip-complete’)) {prop_search.attr(‘aria-expanded’, ‘true’);}}).on(‘blur’,function(e){var link= $(this),section = link.closest(‘.fmcty-section’),prop_search = section.find(‘input[name=”property_search”]’);if(autocomplete_click) {autocomplete_click = false;form_var.on(‘mouseup’, function() {$(link).closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);prop_search.attr(‘aria-expanded’, ‘false’);$(this).off(‘mouseup’);});} else {$(link).closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);prop_search.attr(‘aria-expanded’, ‘false’);}}).on(‘keydown’,function(e){if(e.which === 13) {e.preventDefault();e.stopImmediatePropagation();}}).on(‘keyup’,function(e) {var input = $(this),section = input.closest(‘.fmcty-section’);hint= section.find(‘.fmcty-autocomplete-placeholder’),prop_field= section.find(‘.field-property_search’),prop_search = section.find(‘input[name=”property_search”]’);var results = $(‘.fmcty-autocomplete-result’);section.find(‘.fmcty-autocomplete-placeholder’).val(”);switch(e.which) {case 9:break;case 13:section.removeClass(‘mrc-zip-complete’);section.find(‘#prop_search_aria_update’).text(hint.val() + ‘ selected’);if ( ” == ‘standard’ ) {prop_search.focus().closest(‘.fmcty-field’).removeClass(‘fmcty-field-focused’);} else {autoAdvanceSection(section);}break;case 16:case 37:case 38:case 39:case 40:break;default:Fmcty.fn.locationLookup({“event”: e,”input”: input,”value”: input.val()});break;}if (results.length && prop_field.hasClass(‘fmcty-field-focused’) && section.hasClass(‘mrc-zip-complete’) ) {var selected_result = results.filter(‘.hover’);results.removeClass(‘hover’).attr(‘aria-selected’, ‘false’);prop_search.attr(‘aria-activedescendant’, ”);if (e.which === 38 || e.which === 40) {var hint= section.find(‘.fmcty-autocomplete-placeholder’),prop_zip= section.find(‘input[name=”property_zip”]’),prop_state= section.find(‘input[name=”property_state”]’),prop_city = section.find(‘input[name=”property_city”]’);switch(e.which) {case 38:if (selected_result.length && selected_result.parent().prev().children(‘a’).length) {selected_result = selected_result.parent().prev().children(‘a’).addClass(‘hover’).attr(‘aria-selected’, ‘true’);prop_search.attr(‘aria-activedescendant’, selected_result.attr(‘id’));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data(‘zip’)).trigger(‘change’);prop_city.val(selected_result.data(‘city’)).trigger(‘change’);prop_state.val(selected_result.data(‘state’)).trigger(‘change’);} else {prop_search.attr(‘aria-activedescendant’, ”);}break;case 40:if (! selected_result.length) {selected_result = results.first().addClass(‘hover’).attr(‘aria-selected’, ‘true’);} else if (selected_result.parent().next().children(‘a’).length) {selected_result = selected_result.parent().next().children(‘a’).addClass(‘hover’).attr(‘aria-selected’, ‘true’);} else {selected_result = results.last().addClass(‘hover’).attr(‘aria-selected’, ‘true’);}prop_search.attr(‘aria-activedescendant’, selected_result.attr(‘id’));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data(‘zip’)).trigger(‘change’);prop_city.val(selected_result.data(‘city’)).trigger(‘change’);prop_state.val(selected_result.data(‘state’)).trigger(‘change’);break;}}}});});form_var.on(‘fmcty:ready’, function(){$(‘[name=”ss_test_variation”]’).val(‘ss_version_map’).trigger(‘change’);});form_var.on(‘fmcty:ready’, function() {function check_ap() {if (typeof window.activeProspectCert !== ‘undefined’) {$(“input[name=’ap_token’]”).val(window.activeProspectCert).trigger(‘change’);} else {if(typeof loadTrustedForm == ‘function’) {loadTrustedForm();setTimeout(check_ap,1000);}}}check_ap();});form_var.on(‘fmcty:ready’, function(e,data){Fmcty.rngFields = [];var allInputs = Fmcty[data.form_id].config.inputs;Fmcty.rngFields.push(‘cookieTimeStamp’);Fmcty.rngFields.push(‘currentField’);Fmcty.rngFields.push(‘refresh’);Fmcty.rngFields.push(‘refreshCount’);Fmcty.rngFields.push(‘sessions’);$.each(allInputs,function(key,value){if((! this.doNotTrack && this.type !== “hidden” && this.type !== “html”) || key === “src” || key === “desc” || key === “cmp” || key === “curi” || key === “first_name” || key === “last_name” || key === “email” || key === “property_zip” || key === “property_state” || key === “property_city”){Fmcty.rngFields.push(key);}});});form_var.on(‘fmcty:section_complete’, function(e,data){Fmcty.fn.saveRngFormValues(data);});form_var.on(‘fmcty:submit’, function(e,data){Fmcty.fn.deleteRngValues();});};Fmcty.fn.setBindings(mrcForm);populateAddresses = function (result) {var input = $(‘input[name=”property_search_2″]’);var section = input.closest(‘.fmcty-section’);var prop_search = section.find(‘input[name=”property_search_2″]’);var prop_rupid = section.find(‘input[name=”property_rupid”]’);var autocomplete = section.find(‘.fmcty-autocomplete’);var autocomplete_results = autocomplete.find(‘.fmcty-autocomplete-results’);var placeholder = $(‘.fmcty-autocomplete-placeholder’);if (typeof result.content !== ‘undefined’) {autocomplete_results.html(“”);placeholder.html(“”);section.find(“#prop_search_aria_update”).text(result.content.length + ” location results”);section.removeClass(“fmcty-section-waiting mrc-section-waiting”).addClass(“mrc-zip-complete”);section.find(“.fmcty-field-validation”).remove();if (result.content.length > 0) {for (var i = 0; i ‘ + autocomplete_item + ‘‘);}} else {autocomplete_results.append(‘

  • Sorry, no results found
  • ‘);}} else {section.removeClass(“fmcty-section-waiting mrc-section-waiting”).removeClass(“mrc-zip-complete”);prop_search.attr(“aria-expanded”, “false”);section.find(“#prop_search_aria_update”).text(“”);prop_rupid.val(“”).trigger(“change”);section.find(“.fmcty-ajax-result-description”).remove();}$(‘body’).on(‘click’, ‘.fmcty-autocomplete-result’, function (e) {e.preventDefault();var link = $(this);var prop_address = section.find(‘input[name=”address”]’);var prop_rupid = section.find(‘input[name=”property_rupid”]’);prop_rupid.val(link.data(‘rupid’)).trigger(‘change’);prop_address.val(link.data(‘address’)).trigger(‘change’);placeholder.val(”);});$(‘[name=”property_search_2″]’).not(‘[type=”hidden”]’).on(‘keyup’, function (e) {var input = $(this),section = input.closest(‘.fmcty-section’),placeholder = $(‘.fmcty-autocomplete-placeholder’),results = $(‘.fmcty-autocomplete-results a’);if (results.length) {var selected_result = results.filter(‘.hover’);if (e.which === 38 || e.which === 39 || e.which === 40) {var prop_rupid = section.find(‘input[name=”property_rupid”]’),prop_zip = section.find(‘input[name=”zip”]’),prop_state = section.find(‘input[name=”property_state_2″]’),prop_city = section.find(‘input[name=”property_city_2″]’),prop_address = section.find(‘input[name=”address”]’);switch (e.which) {case 38: if (selected_result.length && selected_result.parent().prev().children(‘a’).length) {prop_rupid.val(selected_result.data(‘rupid’)).trigger(‘change’);prop_address.val(selected_result.data(‘address’)).trigger(‘change’);}placeholder.val(”);break;case 39: input.val(result.content[0].full_address.toUpperCase()).trigger(‘change’);prop_zip.val(result.content[0].zip).trigger(‘change’);prop_city.val(result.content[0].city).trigger(‘change’);prop_address.val(result.content[0].street_address).trigger(‘change’);prop_state.val(result.content[0].state).trigger(‘change’);prop_rupid.val(result.content[0].rupid).trigger(‘change’);placeholder.val(”);break;case 40: prop_address.val(selected_result.data(‘address’)).trigger(‘change’);prop_rupid.val(selected_result.data(‘rupid’)).trigger(‘change’);placeholder.val(”);break;}}}});};mrcForm.on(‘fmcty:ready’,function() {$(“path, circle”).click(function(e) {var state = this.dataset.state;$(‘select[name=”map_state_select”]’).val(state).change();});});Fmcty.fn.setMapState = function(data) {$(‘#us-map path,#us-map circle’).attr(‘class’, ”);$(‘#us-map path[data-state=’+data.value+’],#us-map circle[data-state=’+data.value+’]’).attr(‘class’, ‘selected’);};mrcForm.formocity(mapHeroForm);}); Without military experience most loans require at least 3% down.Get More Information →”,”required”: true,”value” : 1,},”down_payment_notice_html” : {“type”: “html”,”content” : “

    Without military experience most loans require at least 3% down.Get More Information”},”down_payment_notice_nb” : {“type”: “hidden”,”label” : “

    Without military experience most loans require at least 3% down.Neighbors Bank

    We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.Get More Information →”,”required”: true,”value” : 1,},”down_payment_notice_html_nb” : {“type”: “html”,”content” : “

    Without military experience most loans require at least 3% down.

    We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.Get More Information”},”property_search” : {“label” : “Where are you looking to buy?”,”description” : “City or Zip Code”,”type”: “text”,”invalidMsg”: “Please enter a valid location.”,”placeholder” : “City or Zip Code”,”attr”: “autocomplete=”off” aria-describedby=”init_prop_search_instr” aria-owns=”prop_search_results” aria-expanded=”false” aria-autocomplete=”both” aria-activedescendant=”””},”property_zip” : {“type”: “hidden”},”property_city” : {“type”: “hidden”},”property_state” : {“type” : “hidden”,”required” : true,”invalidMsg”: “Please enter a valid US location.”},”property_state_select” : {“label”: “Where will you be living?”,”type” : “select”,”required” : true,”attr”: “autocomplete=”fmcty_off””,”placeholder” : “Select the property location…”,”onChange” : “setPropertyState”,”options” : [[ “AL” , “Alabama” ],[ “AK” , “Alaska” ],[ “AZ” , “Arizona” ],[ “AR” , “Arkansas” ],[ “CA” , “California” ],[ “CO” , “Colorado” ],[ “CT” , “Connecticut” ],[ “DE” , “Delaware” ],[ “DC” , “District of Columbia” ],[ “FL” , “Florida” ],[ “GA” , “Georgia” ],[ “HI” , “Hawaii” ],[ “ID” , “Idaho” ],[ “IL” , “Illinois” ],[ “IN” , “Indiana” ],[ “IA” , “Iowa” ],[ “KS” , “Kansas” ],[ “KY” , “Kentucky” ],[ “LA” , “Louisiana” ],[ “ME” , “Maine” ],[ “MD” , “Maryland” ],[ “MA” , “Massachusetts” ],[ “MI” , “Michigan” ],[ “MN” , “Minnesota” ],[ “MS” , “Mississippi” ],[ “MO” , “Missouri” ],[ “MT” , “Montana” ],[ “NE” , “Nebraska” ],[ “NV” , “Nevada” ],[ “NH” , “New Hampshire” ],[ “NJ” , “New Jersey” ],[ “NM” , “New Mexico” ],[ “NY” , “New York” ],[ “NC” , “North Carolina” ],[ “ND” , “North Dakota” ],[ “OH” , “Ohio” ],[ “OK” , “Oklahoma” ],[ “OR” , “Oregon” ],[ “PA” , “Pennsylvania” ],[ “RI” , “Rhode Island” ],[ “SC” , “South Carolina” ],[ “SD” , “South Dakota” ],[ “TN” , “Tennessee” ],[ “TX” , “Texas” ],[ “UT” , “Utah” ],[ “VT” , “Vermont” ],[ “VA” , “Virginia” ],[ “WA” , “Washington” ],[ “WV” , “West Virginia” ],[ “WI” , “Wisconsin” ],[ “WY” , “Wyoming” ]],”disabledOptions” : false},”state_unavailable_notice” : {“type”: “hidden”,”required”: true},”state_unavailable_notice_html” : {“type”: “html”,”content” : “New York Homebuyers:

    Due to state regulations, we are not able to accept home loan inquiries for New York properties on this site. If you are interested in a property in another area, you may hit Back and enter a different location.”},”when_loan” : {“label”: “When are you planning to make your home purchase?”,”type” : “radio”,”required” : true,”placeholder” : “Select your timeframe…”,”options” : [[ “signed purchase agreement” , “Immediately: Signed a Purchase Agreement” ],[ “offer pending” , “ASAP: Found a House/Offer Pending” ],[ “within a month” , “Within 30 Days” ],[ “2 to 3 months” , “2 – 3 Months” ],[ “3 to 6 months” , “3 – 6 Months” ],[ “over 6 months” , “6+ Months” ],[ “no time frame” , “No Time Frame/Still Researching Options” ]]},”preventing_loan” : {“label”: “What prevents you from buying your new home today?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “credit” , “My credit rating is too low” ],[ “income” , “My income is too low” ],[ “under_lease” , “I am locked in a rent/lease” ],[ “new_city” , “I am transferring to a new location” ],[ “still_looking” , “I haven’t found a home yet”],[ “other” , “Other” ]]},”property_value” : {“label”: “What is your price range?”,”description”: “(An estimate is fine)”,”type” : “radio”,”required” : true,”options” : [[ “700001” , “$700K or more” ],[ “700000” , “$600K – $700K” ],[ “600000” , “$500K – $600K” ],[ “500000” , “$400K – $500K” ],[ “400000” , “$350K – $400K” ],[ “350000” , “$300K – $350K” ],[ “300000” , “$250K – $300K” ],[ “250000” , “$200K – $250K” ],[ “200000” , “$150K – $200K” ],[ “150000” , “$100K – $150K” ],[ “90000”, “under $100K” ],[ “150001” , “I don’t know”]],”onChange” : “calculateDownPayment”,},”home_value” : {“label”: “What is the value of your home?”,”description”: “(An estimate is fine)”,”type” : “currency”,”required” : true,”attr”: “size=”11″ maxlength=”11″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid dollar amount.”,”onChange”: “calcRefiLtv”,},”down_payment” : {“label”: “How much of a down payment would you like to make?”,”description”: “”,”type” : “radio”,”required” : true,”options” : [[ “0” , “0%” ],[ “3.5” , “3.5%” ],[ “5” , “5%” ],[ “10” , “10%” ],[ “15” , “15%” ],[ “20” , “20%” ],[ “21” , “More than 20%” ]]},”credit_rating” : {“label”: “What is your current credit score?”,”description” : “”,”type” : “radio”,”required” : true,”options” : [[“Excellent” , “Excellent (720+)”],[“Good” , “Good (680-719)”],[“Fair” , “Fair (640-679)”],[“Below Average” , “Below Average (620-639)”],[“Poor” , “Poor (Below 620)”],[“unknown” , “I don’t know”]],},”current_rate” : {“label”: “What is your current mortgage interest rate?”,”type” : “select”,”required” : true,”placeholder” : “Select your current interest rate…”,”options” : [[ “2.99” , “under 3%” ],[ “3” , “3%” ],[ “3.125” , “3.125%” ],[ “3.25” , “3.25%” ],[ “3.375” , “3.375%” ],[ “3.5” , “3.5%” ],[ “3.625” , “3.625%” ],[ “3.75” , “3.75%” ],[ “3.875” , “3.875%” ],[ “4” , “4%” ],[ “4.125” , “4.125%” ],[ “4.25” , “4.25%” ],[ “4.375” , “4.375%” ],[ “4.5” , “4.5%” ],[ “4.625” , “4.625%” ],[ “4.75” , “4.75%” ],[ “4.875” , “4.875%” ],[ “5” , “5%” ],[ “5.125” , “5.125%” ],[ “5.25” , “5.25%” ],[ “5.375” , “5.375%” ],[ “5.5” , “5.5%” ],[ “5.625” , “5.625%” ],[ “5.75” , “5.75%” ],[ “5.875” , “5.875%” ],[ “6” , “6%” ],[ “6.125” , “6.125%” ],[ “6.25” , “6.25%” ],[ “6.375” , “6.375%” ],[ “6.5” , “6.5%” ],[ “6.625” , “6.625%” ],[ “6.75” , “6.75%” ],[ “6.875” , “6.875%” ],[ “7” , “7%” ],[ “7.125” , “7.125%” ],[ “7.25” , “7.25%” ],[ “7.375” , “7.375%” ],[ “7.5” , “7.5%” ],[ “7.625” , “7.625%” ],[ “7.75” , “7.75%” ],[ “7.875” , “7.875%” ],[ “8” , “8%” ],[ “8.125” , “8.125%” ],[ “8.25” , “8.25%” ],[ “8.375” , “8.375%” ],[ “8.5” , “8.5%” ],[ “8.625” , “8.625%” ],[ “8.75” , “8.75%” ],[ “8.875” , “8.875%” ],[ “9” , “9%” ],[ “9.125” , “9.125%” ],[ “9.25” , “9.25%” ],[ “9.375” , “9.375%” ],[ “9.5” , “9.5%” ],[ “9.625” , “9.625%” ],[ “9.75” , “9.75%” ],[ “9.875” , “9.875%” ],[ “10” , “10%” ],[ “10.01” , “over 10%” ],[ “5.01” , “I don’t know” ]]},”balance” : {“label”: “How much do you currently owe on your home mortgage?”,”type” : “currency”,”required” : true,”attr”: “size=”11″ maxlength=”11″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid dollar amount.”,”onChange”: “calcRefiLtv”,},”refi_ltv” : {“type”: “hidden”,”onChange”: “calcRefiTotalLoanAmount”},”refi_total_loan_amount” : {“type”: “hidden”},”refi_ltv_message” : {“type”: “hidden”,”label” : “

    Based on the information provided, your loan-to-value ratio is too high for a Cash-Out refinance with Veterans United.
    Learn more about VA Cash-Out Refinancing

    Would you still like to see if we can lower your interest rate?”,”required”: true,”value” : 1},”ny_opq_message” : {“type”: “hidden”,”label” : “

    Thank you for coming to Veterans United Home Loans! To continue your home loan request, please continue to our secure, online mortgage preapproval system.Get Preapproved Online →”,”required”: true,”value” : 1,},”tx_cashout_message” : {“type”: “radio”,”label” : “

    Due to state restrictions, we do not offer cash-out or debt consolidation refinances in the state of Texas.

    Would you still like to see if we can lower your interest rate?”,”required”: true,”class” : “field-stacked”,”options” : [[ “1” , “Yes, continue” ],],”onChange” : “txCashout”},”currentva” : {“label”: “Do you currently have a VA Loan?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “yes” , “Yes, I currently have a VA loan” ],[ “no” , “No, I do not currently have a VA Loan” ]]},”property_type” : {“label”: “What type of property are you buying?”,”type” : “radio”,”required” : true,”options” : [[ “single” , “Single-Family Home” ],[ “condominium” , “Condominium” ],[ “townhome” , “Town Home” ],[ “multifamily” , “Multi-Family” ],[ “manufactured” , “Mobile / Manufactured” ],[ “new construction” , “New Construction” ],[ “other” , “Other” ]]},”manufactured_own” : {“label”: “Will you own or rent the land your home is on?”,”description” : “Your lender will use this information to determine what kind of loan is right for you.”,”type” : “radio”,”required” : true,”options” : [[ “own” , “Own” ],[ “rent” , “Rent” ]]},”property_use” : {“label”: “How will this property be used?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “primary” , “Primary Residence” ],[ “secondary” , “Secondary / Vacation Home” ],[ “investment” , “Investment Property” ],[ “other” , “Other” ]]},”living_situation” : {“label”: “Do you currently own a home?”,”type” : “radio”,”required” : true,”class” : “field-stacked”,”options” : [[ “own” , “Yes, I currently own a home” ],[ “rent” , “No, I am currently renting” ],[ “other” , “No, I have other living arrangements” ]]},”email” : {“label” : “What is your email address?”,”description” : “”,”type”: “email”,”required”: true,”placeholder” : “email@example.com”,”invalidMsg”: “Please enter a valid email address.”,”doNotTrack”: true},”name_label” : {“type”: “html”,”content” : “What is your name?”},”first_name” : {“label” : “First Name:”,”type”: “text”,”required”: true,”placeholder” : “First”,”invalidMsg”: “Please enter your first name.”,”doNotTrack”: true},”last_name” : {“label” : “Last Name:”,”type”: “text”,”required”: true,”placeholder” : “Last”,”invalidMsg”: “Please enter your last name.”,”doNotTrack”: true},”address_label” : {“type”: “html”,”content” : “What is your current street address and ZIP?”},”address” : {“label” : “Street Address:”,”description” : “”,”type”: “text”,”required”: true,”placeholder” : “Street Address”,”invalidMsg”: “Please provide your current street address.”,”doNotTrack”: true},”zip” : {“label” : “ZIP Code:”,”type”: “text”,”required”: true,”placeholder” : “ZIP Code”,”attr”: “size=”5″ maxlength=”5″ pattern=”[0-9]*””,”invalidMsg”: “Please enter a valid 5-digit ZIP code.”},”time_at_current_address” : {“label”: “How long have you lived at this address?”,”type” : “radio”,”required” : true,”placeholder” : “Select a timeframe…”,”class” : “field-stacked”,”options” : [[ “less than 1 year” , “Less than 1 year” ],[ “1 to 2 years” , “1 – 2 Years” ],[ “2 to 5 years” , “2 – 5 Years” ],[ “over 5 years” , “5+ Years” ]]},”phone_full” : {“label” : “What is your phone number?”,”description” : “”,”type”: “tel”,”required”: true,”placeholder” : “(    )     -“,”invalidMsg”: “Please enter a valid phone number.”,”doNotTrack”: true},”vuhlagree_preamble” : {“type”: “html”,”content” : “By submitting, I acknowledge, consent and agree to the terms listed below.”},”vuhlagree” : {“type”: “html”,”content” : “By submitting, I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.”},”vuhlagree_checkbox” : {“type”: “checkbox”,”value” : 1,”required”: true,”invalidMsg”: “Check the box above to continue online. You may alternatively call us at 1-800-884-5560 to move ahead.”,”label” : “I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.”},”opq” : {“label”: “You’re almost there! How would you like to proceed?”,”type” : “radio”,”required” : true,”invalidMsg”: “Please tell us how you would like to proceed.”,”options” : [[ “no” , “Request a Call” ],[ “yes” , “Continue Online” ]]},”secure_label” : {“type” : “html”,”content” : “SECURE FIELD: Protected by 256-bit SSL Encryption”},”gross_income” : {“label”: “What is your household gross (before taxes) annual income?”,”type” : “radio”,”required” : true,”placeholder” : “Select your gross household income…”,”invalidMsg”: “Please select the total gross (before taxes) annual income for your household.”,”options” : [[ ‘200001’, ‘Greater than $200,000’ ],[ ‘200000’, ‘$150,000 – $200,000’ ],[ ‘150000’, ‘$100,000 – $150,000’ ],[ ‘100000’, ‘$75,000 – $100,000’ ],[ ‘75000’ , ‘$50,000 – $75,000’ ],[ ‘50000’ , ‘$30,000 – $50,000’ ],[ ‘30000’ , ‘Less than $30,000’ ],]},”bankruptcy” : {“label”: “Have you declared bankruptcy in the past 2 years?”,”type” : “radio”,”required” : true,”placeholder” : “Select a response…”,”invalidMsg”: “Please select your bankruptcy status.”,”class” : “field-stacked”,”options” : [[ ‘Never’ , ‘No’ ],[ ‘Currently’ , ‘Yes’ ]]},”occupational_status” : {“label”: “What is your current employment status?”,”type” : “radio”,”required” : true,”placeholder” : “Select your employment status…”,”invalidMsg”: “Please select your current employment status.”,”class” : “field-stacked”,”options” : [[‘Employed’, ‘Employed’],[‘Self-Employed’ , ‘Self-Employed / 1099 Independent Contractor’],[‘Retired’ , ‘Retired’],[‘Not-Employed’, ‘Not Employed’]]},”occupational_industry” : {“label”: “In which industry are you employed?”,”type” : “radio”,”required” : true,”placeholder” : “Select your employment industry…”,”invalidMsg”: “Please select your current employment industry.”,”options” : [[‘Agriculture’, ‘Agriculture’],[‘Construction’ , ‘Construction’],[‘Education’, ‘Education’ ],[‘Engineering’, ‘Engineering’ ],[‘Hospitality’, ‘Food & Hospitality’ ],[‘Finance’, ‘Finance’ ],[‘Healthcare’ , ‘Healthcare’ ],[‘IT’ , ‘Information Technology’ ],[‘LawEnforcementPublicSafety’, ‘Law Enforcement / Safety’ ],[‘Transportation’, ‘Transportation / Logistics’ ],[‘Other’, ‘Other’]]},”marital_status” : {“label”: “What is your current marital status?”,”type” : “radio”,”required” : true,”placeholder” : “Select your marital status…”,”invalidMsg”: “Please select your current marital status.”,”options” : [[‘Married’ , ‘Married’],[‘Unmarried’ , ‘Unmarried’],[‘Legally Separated’ , ‘Legally Separated’],[‘Widowed’, ‘Widowed’],[‘Other’, ‘Other’],[‘unknown’, ‘I’d rather not say’]]},”has_real_estate_agent” : {“label”: “Are you currently working with a real estate agent?”,”type” : “radio”,”required” : true,”placeholder” : “Select a response…”,”invalidMsg”: “Please select a response.”,”class” : “field-stacked”,”options” : [[‘no’, ‘No, I do not have an agent’],[‘yes’ , ‘Yes, I have an agent’]]},”wants_real_estate_agent” : {“label”: “Do you need a real estate agent?”,”type” : “radio”,”required” : true,”description” : “Earn up 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