Real Estate Made Easy for Veterans & Military
The Paul Kaplan Group proudly salutes veterans and active military personnel! We understand the unique challenges you face when buying or selling a home. Our team of experienced agents, some of whom are Military Relocation Specialists, can guide you through the real estate process with expertise and respect. Whether you're a seasoned veteran or an active duty service member, we're here to help you achieve your real estate goals. Contact us today to explore VA loan options, navigate PCS moves, or find your dream desert oasis in Palm Springs
At the Paul Kaplan Group, Inc, we understand the unique challenges and opportunities veterans and active military personnel face when buying or selling a home. Our team is comprised of experienced real estate agents who are also Military Relocation Specialists (MRS) certified by the National Association of Realtors (NAR). This designation signifies not only our expertise in the real estate market, but also our in-depth knowledge of the complexities of PCS moves, VA loans, and the specific needs of our military community
Whether you're a seasoned veteran or an active-duty service member facing relocation, we're dedicated to guiding you through the real estate process with respect, efficiency, and a clear understanding of your circumstances.
- Results are estimates and actual loan amounts may vary based on individual circumstances.
- Consider a free consultation with our team of VA Loan experts to discuss affordability in more detail.
Understanding VA Loans
The VA Loan program, offered by the Department of Veterans Affairs (VA), is a fantastic option for veterans and active military personnel to purchase or refinance a home. It provides several benefits, making homeownership more accessible and affordable
Eligibility:
- Generally: Veterans who have served at least 90 days during wartime or 181 days during peacetime are eligible. Service members with at least two years of active duty (or one year if discharged due to service-connected disability) may also qualify. Specific eligibility requirements can vary depending on service history, so we recommend using the VA's Loan Eligibility tool: https://www.va.gov/housing-assistance/home-loans/eligibility/
- Additional factors: Your character of service discharge status and minimum credit score may also be considered.
Benefits of a VA Loan:
- Zero Down Payment: This is one of the most significant advantages of a VA loan. Unlike conventional loans, you may not need to provide any down payment upfront, making homeownership a more realistic possibility.
- Competitive Interest Rates: VA loans typically offer lower interest rates compared to conventional loans, saving you money over the life of the loan.
- Funding Fee: While there is a funding fee associated with VA loans, it can be financed into the loan amount, minimizing the upfront cost.
- Flexible Qualifying Ratios: Compared to conventional loans, VA loans may have more flexible debt-to-income (DTI) ratio requirements, making it easier to qualify.
- No Private Mortgage Insurance (PMI): Unlike conventional loans with a down payment less than 20%, VA loans typically don't require PMI, saving on monthly payments
The VA Loan Process
- Pre-Qualification: We recommend getting pre-qualified before house hunting. This will give you a clearer picture of your borrowing power and make you a more competitive buyer.
- Certificate of Eligibility (COE): You will need a COE from the VA to verify your eligibility for the loan program.
- House Hunting & Offer: Once pre-qualified and with your COE, you can start searching for your dream home and make offers.
- Loan Application & Approval: We'll guide you through the loan application process and handle the communication with the lender.
- Underwriting & Appraisal: The lender will underwrite your loan and order an appraisal of the property.
- Closing: Once everything is finalized, you'll attend a closing session to finalize the loan and become a homeowner!
Here at The Paul Kaplan Group, we can refer you to VA Loan experts who can help you navigate every step of the process. Contact us today and get started on your path to homeownership
Military Relocation Services
Permanent Change of Station (PCS) moves are a hallmark of military life, but they can also be incredibly stressful. Between tight timelines, unfamiliar housing markets, and the logistics of coordinating everything across vast distances, PCS moves can feel overwhelming. That's where we come in!
At The Paul Kaplan Group, Inc., we understand the unique challenges of military relocations. Our team of experienced real estate agents, many of whom are Military Relocation Specialists (MRS) certified by the National Association of Realtors (NAR), possess the knowledge and expertise to streamline your PCS move.
We'll guide you through every step of the process, from understanding the local housing market near your new duty station to finding the perfect home for your family's needs. We can help you navigate
Market Insights
We'll provide valuable data and insights into the local housing market, including rental options if needed.
Temporary Housing
If you require temporary housing before finding your permanent home, we can assist with locating suitable options.
Selling Your Current Home
Facing a tight timeline to sell your current home? Let us leverage our marketing expertise and knowledge of the market to get you top dollar quickly. If you're selling your home in another area, we have a vast network of experienced real estate agents that we can refer you throughout the United States.
Rental Assistance
If you choose to rent upon arrival at your new duty station, we'll guide you through the process and connect you with reputable rental properties.
Understanding Local Resources
We'll connect you with resources specific to the area, such as schools, childcare options, and community information, making the transition smoother for your entire family.
By partnering with us, you can minimize the stress of your PCS move and focus on what matters most – settling into your new home and community. Contact us today to discuss your PCS needs and let us help make your transition seamless!
Tailored Solutions for Your PCS Move
Here at The Paul Kaplan Group, Inc, we understand that a successful PCS move goes beyond just finding a house. It's about finding a home that meets your family's needs and integrates you seamlessly into your new community. This is especially true for relocations to areas around military bases like the Marine Corps Air Ground Combat Center (MCAGCC) Twentynine Palms.
The High Desert Expertise You Need
The high desert surrounding Twentynine Palms offers a unique living experience. Our team boasts extensive experience working with military families relocating to this area. We have a deep understanding of:
- Desert Living: From navigating the specific climate considerations to recommending neighborhoods with the amenities you desire (pools, community centers), we'll guide you towards a home that suits your desert lifestyle.
- Proximity to Base: Whether you prioritize a short commute or a quieter location further out, we know the intricacies of the surrounding areas and can help you find a home that balances your needs.
- School Districts: Military families often prioritize high-performing schools. We'll provide insights into the local school districts and connect you with information on schools near your preferred neighborhoods.
- Military-Friendly Communities: Many areas surrounding Twentynine Palms cater specifically to military families. We can recommend neighborhoods with strong support systems and a sense of community.
Beyond the Basics
Our knowledge extends beyond just housing. We can also connect you with valuable resources to ease your transition, including:
- Rental Options: If you need temporary housing before finding your permanent home, we can assist with locating suitable rentals.
- Local Businesses: From finding reliable contractors to exploring family-friendly activities, we have a network of local resources at your fingertips.
- Base Information: Navigating a new base can be overwhelming. We can provide helpful information and connect you with base support systems.
Partnering for a Smooth Transition:
By leveraging our local expertise and understanding of military relocations, we'll ensure your PCS move to the Twentynine Palms area is as smooth and stress-free as possible. Let us take the burden off your shoulders so you can focus on what matters most – settling into your new desert home and creating lasting memories with your family.
Contact us today to discuss your specific needs and let us guide you through a successful PCS move!
Your Questions Answered!
Am I eligible for a VA Loan?
The VA offers a Loan Eligibility tool to help you determine your eligibility: https://www.va.gov/housing-assistance/home-loans/eligibility/
Generally, veterans with at least 90 days of wartime service or 181 days of peacetime service are eligible. Active-duty service members with at least two years (or one year for service-connected disability discharge) may also qualify. Factors like character of service discharge status and minimum credit score can also play a role
Do I need to be a first-time homebuyer to use a VA Loan?
No! VA Loans can be used for purchasing a first home, refinancing an existing mortgage, or even building a new home.
Do I really need zero down payment with a VA Loan?
While a zero down payment is a significant benefit, it's not mandatory. You can choose to put some money down if you prefer. However, keep in mind that a larger down payment can reduce your monthly mortgage payment and improve your chances of loan approval.
What are the closing costs associated with a VA Loan?
There are closing costs associated with any home purchase, including VA Loans. These typically include origination fees, appraisal fees, title insurance, and escrow fees. Our lenders can help you understand and estimate the closing costs associated with your specific situation.
Is there a VA funding fee?
Yes, there is a VA funding fee that helps offset the program's costs. The amount varies depending on factors like your service history, loan amount, and whether you're putting any money down. The good news is that you can often finance the funding fee into your loan amount, minimizing the upfront cost.
What documents do I need to apply for a VA Loan?
The specific documents required will vary depending on your situation. Generally, you'll need a Certificate of Eligibility (COE) from the VA, proof of income and employment, military service records, and bank statements. Our lenders will guide you through the entire process and help you gather the necessary documentation.
How long does it take to get a VA Loan?
The VA loan process can typically be completed in 30-45 days, depending on the complexity of your situation and lender processing times.
Can I use a VA Loan to buy a condo?
Yes, VA Loans can be used to purchase certain types of condos that meet VA approval standards. Our lenders help you determine if a specific condo complex qualifies.
What if I have bad credit?
VA Loans typically have more flexible qualifying ratios compared to conventional loans. This means a less-than-perfect credit score might not be an automatic disqualification. Our lenders can help you understand your credit situation and explore options.
Ready to Get Started?
These are just some of the most frequently asked questions about VA Loans. For personalized guidance and to discuss your eligibility and options, contact our team and we will refer you to our VA Loan experts today!
Work with us!
Meet Andrew Shouse, a passionate real estate professional who is driven by helping people achieve their homeownership dreams and build wealth through smart real estate investment.
As a resident of the Coachella Valley since 1995, Andrew has an intimate knowledge of the region's diverse communities, making him an invaluable resource for anyone looking to buy or sell property in the area. . Andrew also served as a law enforcement officer in the Coachella Valley for over 22 years, giving him a deep appreciation for the importance of building safe communities and strong relationships. He brings this same level of dedication and service to his real estate clients, going above and beyond to ensure their needs are met and their expectations exceeded.
In addition to his years in law enforcement, Andrew earned an MBA from UCLA Anderson School of Management. Andrew’s blend of practical experience and formal education provides him with a unique perspective on the financial and business aspects of real estate. He leverages this knowledge to help his clients make smart, informed decisions that will create long-term value and build lasting wealth.
As a military veteran and Ironman triathlete, Andrew knows what it takes to persevere through challenges and achieve success. He deploys this discipline and commitment to his real estate business, working tirelessly to help his clients navigate the complex real estate market and achieve their goals.
Andrew's love for the Coachella Valley and its unique lifestyle shines through in everything he does, and he is dedicated to helping others experience the same joy and satisfaction that he has found here.
Whether you are a first-time buyer, a seasoned investor, or somewhere in between, Andrew has the expertise and dedication to help you achieve your real estate goals.
Andrew Shouse
REALTOR® | DRE#02209036
760-272-4620
Start here
Ready to take the first step towards your real estate goals? Fill out the form below and a member of our friendly team will be in touch shortly! We'll discuss your needs, answer any questions you have, and get you started on your path to a successful move, whether you're buying, selling, or exploring VA loan options. Let's turn your real estate dreams into reality!