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Timeline of Events
Steps to Buying a Moenkopi, AZ Home with a VA Loan

STEP 1: Pre-Qualify It’s important to pre-qualify because it helps you know how much of a home you can afford. This is a step that no borrower should skip. It can help you narrow down your search for a home by eliminating the homes you can’t afford, saving you both time and money. Our Moenkopi, Arizona VA mortgage team can help you pre-qualify. We will ask you questions about your credit history and income and can even run a quick credit check (with your permission). We will also help you get together the documents that show that you qualify for a VA loan in Moenkopi, AZ. Pre-qualifying doesn’t guarantee approval, but it gives you a good idea of what you can borrow if you are approved. It can also help you identify potential problems with your application and reduce unpleasant surprises.

STEP 2: GET PREAPPROVED A pre-approval is like pre-qualification, but it takes the process a step further. Pre-approval verifies certain things about your finances. Pay stubs, employment history, tax returns, proof of real estate holdings, and bank and investment statements will be required for this step of the loan process.

  • Bank/investment statements
  • Employment history
  • Pay stubs
  • Proof of real estate holdings
  • Tax returns/W2s

Once all your documentation has been verified, you will receive a pre-approval letter. It will show that you’ve started the process of applying for a Moenkopi, Arizona VA loan and will tell how much of a loan you can afford.

STEP 3: FIND A HOME AND MAKE AN OFFER At this point, it’s time to begin your search for a Moenkopi home. You should work with a realtor to find a property that’s right for you and within your price range. Once you find the home that’s right for you, you’re ready to make an offer and work on negotiating a contract with the seller. It is essential that your real estate agent is familiar with VA loans in Moenkopi, AZ  and can help you with the contract so that it works to your advantage. Once you’re under contract for a home, your loan officer will order an appraisal for the property. The VA assigns an appraiser to complete the job. Homes have to be move-in ready (with any problems fixed) before the loan closes. The VA has strict guidelines about the condition of homes purchased with a VA loan in Moenkopi, AZ.

STEP 4: UNDERWRITING AND CLOSING At this point, the loan underwriter will verify your financial information and make sure that all the paperwork meets the VA’s guidelines for its loans. Once the loan is approved, you’ll set a closing date to sign the necessary paperwork and move in to your new Moenkopi home.

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If you’re looking for a personal Moenkopi VA mortgage experience you’ve come to the right place.  Get the best of both worlds with a designated VA professional plus technology.  What’s even better are the lower rates, no upfront fees and fast closings.  Rates so low the nations largest VA lenders panic when consumers find out about our Moenkopi, Arizona VA Mortgage Rates.

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    The Moenkopi Formation is a geological formation that is spread across the U.S. states of New Mexico, northern Arizona, Nevada, southeastern California, eastern Utah and western Colorado. This unit is considered to be a group in Arizona. Part of the Colorado Plateau and Basin and Range, this red sandstone was laid down in the Lower Triassic[1] and possibly part of the Middle Triassic, around 240 million years ago.[2]

    There is no designated type locality for this formation. It was named for a development at the mouth of Moencopie Wash in the Grand Canyon area by Ward in 1901.[3] In 1917 a ‘substitute’ type locality was located by Gregory in the wall of the Little Colorado Canyon, about 5 miles below Tanner Crossing in Coconino County, Arizona.[4] While in the Great Basin, Bassler and Reeside characterized and named the Rock Canyon Conglomerate, Virgin Limestone, and Shnabkaib Shale members in 1921.[5] Salt Creek (later replaced by Wupatki and Moqui Members) and the Holbrook Member were found and named in the Black Mesa basin by Hager in 1922.[6]