Timeline of Events
Steps to Buying a Sawmill, 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 Sawmill, 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 Sawmill, 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 Sawmill, 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 Sawmill 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 Sawmill, 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 Sawmill, 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 Sawmill home.

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If you’re looking for a personal Sawmill 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 Sawmill, Arizona VA Mortgage Rates.

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    A sawmill (saw mill, saw-mill) or lumber mill is a facility where logs are cut into lumber. Modern sawmills use a motorized saw to cut logs lengthwise to make long pieces, and crosswise to length depending on standard or custom sizes (dimensional lumber). The “portable” sawmill is of simple operation. The log lies flat on a steel bed, and the motorized saw cuts the log horizontally along the length of the bed, by the operator manually pushing the saw. The most basic kind of sawmill consists of a chainsaw and a customized jig (“Alaskan sawmill”), with similar horizontal operation.

    Before the invention of the sawmill, boards were made in various manual ways, either rived (split) and planed, hewn, or more often hand sawn by two men with a whipsaw, one above and another in a saw pit below. The earliest known mechanical mill is the Hierapolis sawmill, a Roman water-powered stone mill at Hierapolis, Asia Minor dating back to the 3rd century AD. Other water-powered mills followed and by the 11th century they were widespread in Spain and North Africa, the Middle East and Central Asia, and in the next few centuries, spread across Europe. The circular motion of the wheel was converted to a reciprocating motion at the saw blade. Generally, only the saw was powered, and the logs had to be loaded and moved by hand. An early improvement was the development of a movable carriage, also water powered, to move the log steadily through the saw blade.