A Veteran using a VA loan with 100% financing can typically reach break-even in about 2–3 years,
even when the VA funding fee is financed into the loan. Using a $400,000 purchase price and a 4% annual appreciation rate, equity is built mostly through home price appreciation rather than early principal pay-down.  Veterans who are exempt from the funding fee break even even faster, while subsequent-use Veterans with a 3.3% funding fee break even slightly later. VA loans require eligibility, a Certificate of Eligibility (COE), and meeting VA underwriting standards.  If you are Veteran or active duty service member and want to get started today on a VA Home Loan, give VA Loan Officer John Thomas a call at 302-703-0727 or APPLY ONLINE. Keep Reading...