Paul Keck
NMLS#2569869
VA & FHA Loans
for Military Families & First-Time Buyers
Serving those who served. As your dedicated VA & FHA loan specialist in the Tri-Valley, I help military families and first-time homebuyers secure the financing they deserve with minimal down payments and competitive rates.
VA & FHA Loan Benefits Comparison
Both loan programs offer unique advantages. Let me help you determine which option is best for your situation.
VA Loans
Zero Down Payment
100% financing available for eligible veterans and active military
No Private Mortgage Insurance
Save hundreds monthly compared to conventional loans
Competitive Interest Rates
Often lower than conventional mortgage rates
Flexible Credit Requirements
More lenient credit score requirements
Reusable Benefit
Can be used multiple times throughout your lifetime
FHA Loans
Low Down Payment
As little as 3.5% down for qualified buyers
Flexible Credit Scores
Accept credit scores as low as 580 with 3.5% down
Gift Funds Allowed
Down payment can come from family gifts
Debt-to-Income Flexibility
Higher debt ratios accepted with compensating factors
Assumable Loans
Future buyers can assume your FHA loan
Eligibility Requirements
Understanding the requirements helps ensure a smooth application process.
VA Loan Eligibility
Service Requirements:
90 days active duty during wartime
181 days active duty during peacetime
6 years in National Guard or Reserves
Surviving spouses of service members
Credit & Down Payment:
Valid Certificate of Eligibility (COE)
Sufficient income to make payments
Intent to occupy as primary residence
Property must meet VA standards
FHA Loan Eligibility
Credit & Down Payment:
580+ credit score for 3.5% down
500-579 credit score for 10% down
Down payment from savings or gifts
2-year employment history
Credit & Down Payment:
Debt-to-income ratio typically under 57%
Primary residence only
Property must meet FHA standards
Mortgage insurance required
Tri-Valley Market Expertise
Born and raised in the Tri-Valley, I understand the unique challenges military families and first-time buyers face in our competitive market.
Local Market Knowledge
Deep understanding of Livermore, Pleasanton, Dublin, San Ramon, and Danville markets
Agent Relationships
Strong connections with local real estate agents who understand VA and FHA transactions
Property Insights
Knowledge of which properties meet VA/FHA standards in each Tri-Valley community
Simple Steps to Your Perfect Mortgage
My streamlined process makes securing your mortgage straightforward and stress-free
Initial Consultation
We'll discuss your goals and analyze your financial situation
Custom Loan Research
I'll shop my network of 40+ lenders to find your best options
Application & Approval
We'll handle the paperwork and guide you through underwriting
Closing & Beyond
Clear communication through closing and ongoing support after
Success Stories
Get Expert Mortgage Guidance Tailored to Your
Needs
Get Expert Mortgage Guidance Tailored to Your Needs
Paul Keck
Mortgage Loan Originator
NMLS#2569869
Connect with me
This website is for informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.
