Without military experience most loans require at least 3% down.
Without military experience most loans require at least 3% down.
We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.
Due to state regulations, we are not able to accept home loan inquiries for New York properties on this site. If you are interested in a property in another area, you may hit Back and enter a different location.
Due to state restrictions, we do not offer cash-out or debt consolidation refinances in the state of Texas.
By submitting, I acknowledge, consent and agree to the terms listed below.
By submitting, I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.
Maximum cashout amount based on the home value and mortgage balance information you supplied. Not guaranteed until locked in by your Loan Officer.
Paddio has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.
Neighbors Bank has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.
","required": true,"value" : 1,},"down_payment_notice_html" : {"type": "html","content" : "
Without military experience most loans require at least 3% down.
Get More Information
"},"down_payment_notice_nb" : {"type": "hidden","label" : "
Without military experience most loans require at least 3% down.
We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.
Get More Information →
","required": true,"value" : 1,},"down_payment_notice_html_nb" : {"type": "html","content" : "
Without military experience most loans require at least 3% down.
We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.
Get More Information
"},"property_search" : {"label" : "Where are you looking to buy?","description" : "City or Zip Code","type": "text","invalidMsg": "Please enter a valid location.","placeholder" : "City or Zip Code","attr": "autocomplete=\"off\" aria-describedby=\"init_prop_search_instr\" aria-owns=\"prop_search_results\" aria-expanded=\"false\" aria-autocomplete=\"both\" aria-activedescendant=\"\""},"property_zip" : {"type": "hidden"},"property_city" : {"type": "hidden"},"property_state" : {"type" : "hidden","required" : true,"invalidMsg": "Please enter a valid US location."},"property_state_select" : {"label": "Where will you be living?","type" : "select","required" : true,"attr": "autocomplete=\"fmcty_off\"","placeholder" : "Select the property location…","onChange" : "setPropertyState","options" : [[ "AL" , "Alabama" ],[ "AK" , "Alaska" ],[ "AZ" , "Arizona" ],[ "AR" , "Arkansas" ],[ "CA" , "California" ],[ "CO" , "Colorado" ],[ "CT" , "Connecticut" ],[ "DE" , "Delaware" ],[ "DC" , "District of Columbia" ],[ "FL" , "Florida" ],[ "GA" , "Georgia" ],[ "HI" , "Hawaii" ],[ "ID" , "Idaho" ],[ "IL" , "Illinois" ],[ "IN" , "Indiana" ],[ "IA" , "Iowa" ],[ "KS" , "Kansas" ],[ "KY" , "Kentucky" ],[ "LA" , "Louisiana" ],[ "ME" , "Maine" ],[ "MD" , "Maryland" ],[ "MA" , "Massachusetts" ],[ "MI" , "Michigan" ],[ "MN" , "Minnesota" ],[ "MS" , "Mississippi" ],[ "MO" , "Missouri" ],[ "MT" , "Montana" ],[ "NE" , "Nebraska" ],[ "NV" , "Nevada" ],[ "NH" , "New Hampshire" ],[ "NJ" , "New Jersey" ],[ "NM" , "New Mexico" ],[ "NY" , "New York" ],[ "NC" , "North Carolina" ],[ "ND" , "North Dakota" ],[ "OH" , "Ohio" ],[ "OK" , "Oklahoma" ],[ "OR" , "Oregon" ],[ "PA" , "Pennsylvania" ],[ "RI" , "Rhode Island" ],[ "SC" , "South Carolina" ],[ "SD" , "South Dakota" ],[ "TN" , "Tennessee" ],[ "TX" , "Texas" ],[ "UT" , "Utah" ],[ "VT" , "Vermont" ],[ "VA" , "Virginia" ],[ "WA" , "Washington" ],[ "WV" , "West Virginia" ],[ "WI" , "Wisconsin" ],[ "WY" , "Wyoming" ]],"disabledOptions" : false},"state_unavailable_notice" : {"type": "hidden","required": true},"state_unavailable_notice_html" : {"type": "html","content" : "
New York Homebuyers:
Due to state regulations, we are not able to accept home loan inquiries for New York properties on this site. If you are interested in a property in another area, you may hit Back and enter a different location.
"},"when_loan" : {"label": "When are you planning to make your home purchase?","type" : "radio","required" : true,"placeholder" : "Select your timeframe…","options" : [[ "signed purchase agreement" , "Immediately: Signed a Purchase Agreement" ],[ "offer pending" , "ASAP: Found a House/Offer Pending" ],[ "within a month" , "Within 30 Days" ],[ "2 to 3 months" , "2 - 3 Months" ],[ "3 to 6 months" , "3 - 6 Months" ],[ "over 6 months" , "6+ Months" ],[ "no time frame" , "No Time Frame/Still Researching Options" ]]},"preventing_loan" : {"label": "What prevents you from buying your new home today?","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "credit" , "My credit rating is too low" ],[ "income" , "My income is too low" ],[ "under_lease" , "I am locked in a rent/lease" ],[ "new_city" , "I am transferring to a new location" ],[ "still_looking" , "I haven’t found a home yet"],[ "other" , "Other" ]]},"property_value" : {"label": "What is your price range?","description": "(An estimate is fine)","type" : "radio","required" : true,"options" : [[ "700001" , "$700K or more" ],[ "700000" , "$600K - $700K" ],[ "600000" , "$500K - $600K" ],[ "500000" , "$400K - $500K" ],[ "400000" , "$350K - $400K" ],[ "350000" , "$300K - $350K" ],[ "300000" , "$250K - $300K" ],[ "250000" , "$200K - $250K" ],[ "200000" , "$150K - $200K" ],[ "150000" , "$100K - $150K" ],[ "90000", "under $100K" ],[ "150001" , "I don’t know"]],"onChange" : "calculateDownPayment",},"home_value" : {"label": "What is the value of your home?","description": "(An estimate is fine)","type" : "currency","required" : true,"attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid dollar amount.","onChange": "calcRefiLtv",},"down_payment" : {"label": "How much of a down payment would you like to make?","description": "","type" : "radio","required" : true,"options" : [[ "0" , "0%" ],[ "3.5" , "3.5%" ],[ "5" , "5%" ],[ "10" , "10%" ],[ "15" , "15%" ],[ "20" , "20%" ],[ "21" , "More than 20%" ]]},"credit_rating" : {"label": "What is your current credit score?","description" : "","type" : "radio","required" : true,"options" : [["Excellent" , "Excellent (720+)"],["Good" , "Good (680-719)"],["Fair" , "Fair (640-679)"],["Below Average" , "Below Average (620-639)"],["Poor" , "Poor (Below 620)"],["unknown" , "I don’t know"]],},"current_rate" : {"label": "What is your current mortgage interest rate?","type" : "select","required" : true,"placeholder" : "Select your current interest rate…","options" : [[ "2.99" , "under 3%" ],[ "3" , "3%" ],[ "3.125" , "3.125%" ],[ "3.25" , "3.25%" ],[ "3.375" , "3.375%" ],[ "3.5" , "3.5%" ],[ "3.625" , "3.625%" ],[ "3.75" , "3.75%" ],[ "3.875" , "3.875%" ],[ "4" , "4%" ],[ "4.125" , "4.125%" ],[ "4.25" , "4.25%" ],[ "4.375" , "4.375%" ],[ "4.5" , "4.5%" ],[ "4.625" , "4.625%" ],[ "4.75" , "4.75%" ],[ "4.875" , "4.875%" ],[ "5" , "5%" ],[ "5.125" , "5.125%" ],[ "5.25" , "5.25%" ],[ "5.375" , "5.375%" ],[ "5.5" , "5.5%" ],[ "5.625" , "5.625%" ],[ "5.75" , "5.75%" ],[ "5.875" , "5.875%" ],[ "6" , "6%" ],[ "6.125" , "6.125%" ],[ "6.25" , "6.25%" ],[ "6.375" , "6.375%" ],[ "6.5" , "6.5%" ],[ "6.625" , "6.625%" ],[ "6.75" , "6.75%" ],[ "6.875" , "6.875%" ],[ "7" , "7%" ],[ "7.125" , "7.125%" ],[ "7.25" , "7.25%" ],[ "7.375" , "7.375%" ],[ "7.5" , "7.5%" ],[ "7.625" , "7.625%" ],[ "7.75" , "7.75%" ],[ "7.875" , "7.875%" ],[ "8" , "8%" ],[ "8.125" , "8.125%" ],[ "8.25" , "8.25%" ],[ "8.375" , "8.375%" ],[ "8.5" , "8.5%" ],[ "8.625" , "8.625%" ],[ "8.75" , "8.75%" ],[ "8.875" , "8.875%" ],[ "9" , "9%" ],[ "9.125" , "9.125%" ],[ "9.25" , "9.25%" ],[ "9.375" , "9.375%" ],[ "9.5" , "9.5%" ],[ "9.625" , "9.625%" ],[ "9.75" , "9.75%" ],[ "9.875" , "9.875%" ],[ "10" , "10%" ],[ "10.01" , "over 10%" ],[ "5.01" , "I don't know" ]]},"balance" : {"label": "How much do you currently owe on your home mortgage?","type" : "currency","required" : true,"attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid dollar amount.","onChange": "calcRefiLtv",},"refi_ltv" : {"type": "hidden","onChange": "calcRefiTotalLoanAmount"},"refi_total_loan_amount" : {"type": "hidden"},"refi_ltv_message" : {"type": "hidden","label" : "
Based on the information provided, your loan-to-value ratio is too high for a Cash-Out refinance with Veterans United.
Learn more about VA Cash-Out Refinancing
Would you still like to see if we can lower your interest rate?
","required": true,"value" : 1},"ny_opq_message" : {"type": "hidden","label" : "
Thank you for coming to Veterans United Home Loans! To continue your home loan request, please continue to our secure, online mortgage preapproval system.
Get Preapproved Online →
","required": true,"value" : 1,},"tx_cashout_message" : {"type": "radio","label" : "
Due to state restrictions, we do not offer cash-out or debt consolidation refinances in the state of Texas.
Would you still like to see if we can lower your interest rate?
","required": true,"class" : "field-stacked","options" : [[ "1" , "Yes, continue" ],],"onChange" : "txCashout"},"currentva" : {"label": "Do you currently have a VA Loan?","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "yes" , "Yes, I currently have a VA loan" ],[ "no" , "No, I do not currently have a VA Loan" ]]},"property_type" : {"label": "What type of property are you buying?","type" : "radio","required" : true,"options" : [[ "single" , "Single-Family Home" ],[ "condominium" , "Condominium" ],[ "townhome" , "Town Home" ],[ "multifamily" , "Multi-Family" ],[ "manufactured" , "Mobile / Manufactured" ],[ "new construction" , "New Construction" ],[ "other" , "Other" ]]},"manufactured_own" : {"label": "Will you own or rent the land your home is on?","description" : "Your lender will use this information to determine what kind of loan is right for you.","type" : "radio","required" : true,"options" : [[ "own" , "Own" ],[ "rent" , "Rent" ]]},"property_use" : {"label": "How will this property be used?","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "primary" , "Primary Residence" ],[ "secondary" , "Secondary / Vacation Home" ],[ "investment" , "Investment Property" ],[ "other" , "Other" ]]},"living_situation" : {"label": "Do you currently own a home?","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "own" , "Yes, I currently own a home" ],[ "rent" , "No, I am currently renting" ],[ "other" , "No, I have other living arrangements" ]]},"email" : {"label" : "What is your email address?","description" : "","type": "email","required": true,"placeholder" : "email@example.com","invalidMsg": "Please enter a valid email address.","doNotTrack": true},"name_label" : {"type": "html","content" : "
What is your name?
"},"first_name" : {"label" : "First Name:","type": "text","required": true,"placeholder" : "First","invalidMsg": "Please enter your first name.","doNotTrack": true},"last_name" : {"label" : "Last Name:","type": "text","required": true,"placeholder" : "Last","invalidMsg": "Please enter your last name.","doNotTrack": true},"address_label" : {"type": "html","content" : "
What is your current street address and ZIP?
"},"address" : {"label" : "Street Address:","description" : "","type": "text","required": true,"placeholder" : "Street Address","invalidMsg": "Please provide your current street address.","doNotTrack": true},"zip" : {"label" : "ZIP Code:","type": "text","required": true,"placeholder" : "ZIP Code","attr": "size=\"5\" maxlength=\"5\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid 5-digit ZIP code."},"time_at_current_address" : {"label": "How long have you lived at this address?","type" : "radio","required" : true,"placeholder" : "Select a timeframe…","class" : "field-stacked","options" : [[ "less than 1 year" , "Less than 1 year" ],[ "1 to 2 years" , "1 - 2 Years" ],[ "2 to 5 years" , "2 - 5 Years" ],[ "over 5 years" , "5+ Years" ]]},"phone_full" : {"label" : "What is your phone number?","description" : "","type": "tel","required": true,"placeholder" : "()-","invalidMsg": "Please enter a valid phone number.","doNotTrack": true},"vuhlagree_preamble" : {"type": "html","content" : "
By submitting, I acknowledge, consent and agree to the terms listed below.
"},"vuhlagree" : {"type": "html","content" : "
By submitting, I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.
"},"vuhlagree_checkbox" : {"type": "checkbox","value" : 1,"required": true,"invalidMsg": "Check the box above to continue online. You may alternatively call us at 1-800-884-5560 to move ahead.","label" : "I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United."},"opq" : {"label": "You’re almost there! How would you like to proceed?","type" : "radio","required" : true,"invalidMsg": "Please tell us how you would like to proceed.","options" : [[ "no" , "Request a Call" ],[ "yes" , "Continue Online" ]]},"secure_label" : {"type" : "html","content" : "SECURE FIELD: Protected by 256-bit SSL Encryption"},"gross_income" : {"label": "What is your household gross (before taxes) annual income?","type" : "radio","required" : true,"placeholder" : "Select your gross household income…","invalidMsg": "Please select the total gross (before taxes) annual income for your household.","options" : [[ '200001', 'Greater than $200,000' ],[ '200000', '$150,000 - $200,000' ],[ '150000', '$100,000 - $150,000' ],[ '100000', '$75,000 - $100,000' ],[ '75000' , '$50,000 - $75,000' ],[ '50000' , '$30,000 - $50,000' ],[ '30000' , 'Less than $30,000' ],]},"bankruptcy" : {"label": "Have you declared bankruptcy in the past 2 years?","type" : "radio","required" : true,"placeholder" : "Select a response…","invalidMsg": "Please select your bankruptcy status.","class" : "field-stacked","options" : [[ 'Never' , 'No' ],[ 'Currently' , 'Yes' ]]},"occupational_status" : {"label": "What is your current employment status?","type" : "radio","required" : true,"placeholder" : "Select your employment status…","invalidMsg": "Please select your current employment status.","class" : "field-stacked","options" : [['Employed', 'Employed'],['Self-Employed' , 'Self-Employed / 1099 Independent Contractor'],['Retired' , 'Retired'],['Not-Employed', 'Not Employed']]},"occupational_industry" : {"label": "In which industry are you employed?","type" : "radio","required" : true,"placeholder" : "Select your employment industry…","invalidMsg": "Please select your current employment industry.","options" : [['Agriculture', 'Agriculture'],['Construction' , 'Construction'],['Education', 'Education' ],['Engineering', 'Engineering' ],['Hospitality', 'Food & Hospitality' ],['Finance', 'Finance' ],['Healthcare' , 'Healthcare' ],['IT' , 'Information Technology' ],['LawEnforcementPublicSafety', 'Law Enforcement / Safety' ],['Transportation', 'Transportation / Logistics' ],['Other', 'Other']]},"marital_status" : {"label": "What is your current marital status?","type" : "radio","required" : true,"placeholder" : "Select your marital status…","invalidMsg": "Please select your current marital status.","options" : [['Married' , 'Married'],['Unmarried' , 'Unmarried'],['Legally Separated' , 'Legally Separated'],['Widowed', 'Widowed'],['Other', 'Other'],['unknown', 'I’d rather not say']]},"has_real_estate_agent" : {"label": "Are you currently working with a real estate agent?","type" : "radio","required" : true,"placeholder" : "Select a response…","invalidMsg": "Please select a response.","class" : "field-stacked","options" : [['no', 'No, I do not have an agent'],['yes' , 'Yes, I have an agent']]},"wants_real_estate_agent" : {"label": "Do you need a real estate agent?","type" : "radio","required" : true,"description" : "Earn up to $1,875* credit at closing when you also work with a Veterans United Realty network agent!","invalidMsg": "Please select a response.","class" : "field-stacked","options" : [['yes' , 'Yes, I need an agent (Recommended)'],['no', 'No, I already have an agent'],['na', 'Skip this question']]},"vur_offer_disclaimer" : {"label": "*Credit amounts vary based on factors including loan amount, restrictions apply.","type" : "hidden"},"cash_out" : {"label" : "Would you like to use your home’s equity to borrow additionalcash?","type": "radio","required": true,"options" : [[ "yes" , "Yes" ],[ "no", "No" ]]},"cash_out_amount" : {"label" : "How much additional cash would you like to take out?","description" : "You may be able to take out as much as $325,000.","type": "number_slider","required": true,"mask": "number","attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","min" : "0","max" : 325000,"step": 500,"value" : "0","onChange": "calcRefiTotalLoanAmount"},"first_time" : {"label" : "Is this your first time buying a home?","type": "radio","required": true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no", "No" ]]},"sell_before_purchase" : {"label" : "Do you plan to sell your current home when purchasing a new one?","type": "radio","required": true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no", "No" ]]},"renting_end_date_label" : {"type": "html","content" : "
When does your lease end?
"},"renting_end_date_month" : {"label" : "Month:","type": "select","required": true,"placeholder" : "Month","invalidMsg": "Please select a month.","options" : [[ "01" , "01 - January" ],[ "02" , "02 - February" ],[ "03" , "03 - March" ],[ "04" , "04 - April" ],[ "05" , "05 - May" ],[ "06" , "06 - June" ],[ "07" , "07 - July" ],[ "08" , "08 - August" ],[ "09" , "09 - September" ],[ "10" , "10 - October" ],[ "11" , "11 - November" ],[ "12" , "12 - December" ],[ "99" , "Other / No End Date" ]]},"renting_end_date_year" : {"label" : "Year:","type": "select","required": true,"placeholder" : "Year","invalidMsg": "Please select a valid date in the future.","options" : [[ "2023" , "2023" ],[ "2024" , "2024" ],[ "2025" , "2025" ],[ "2026" , "2026" ],[ "2027" , "2027" ],[ "2028" , "2028+" ],[ "9999" , "Other / No End Date" ]]},"current_rent_amount" : {"label": "What is your current monthly rent payment?","type" : "currency","placeholder" : "","required" : true,"attr": "size=\"9\" maxlength=\"9\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid dollar amount.",},"desired_payment" : {"label" : "What is your desired monthly payment?","description" : "Enter a monthly payment, including taxes and insurance, that feels comfortable in your budget. An estimate is fine.","type": "currency","required": true,"placeholder" : "","invalidMsg": "Please enter a valid dollar amount.","attr": "size=\"9\" maxlength=\"9\" pattern=\"[0-9]*\"",},"twilio_phone" : {"label" : "What is your phone number?","type": "tel","required": true,"placeholder" : "()-","invalidMsg": "Please enter a valid phone number.","doNotTrack": true,},"phone_resend_label" : {"type": "html","content" : "Didn't get a code?"},"phone_resend_text" : {"label" : "","type": "radio","class" : "inline-link","required": false,"options" : [[ "text" , "Resend code" ],],"onChange": "resendCodeText",},"phone_resend_call" : {"label" : "","type": "radio","class" : "inline-link","required": false,"options" : [[ "call" , "Call me with a code" ],],"onChange": "resendCodeCall",},"phone_verify_code" : {"label" : "Verification Code","description" : "Please enter the 4-digit code that was sent to you.","type": "text","attr": "inputmode=\"numeric\" autocomplete=\"one-time-code\" maxlength=\"4\" pattern=\"[0-9]*\"","required": true,"placeholder" : '0000',"invalidMsg": "Please enter the code sent.",},"previous_customer" : {"label" : "Have you closed a loan with Veterans United before?","type": "radio","required": true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no" , "No" ],]},"vu_referrer" : {"label" : "How did you hear about VeteransUnited?","type": "radio","required": true,"options" : [[ "friend or family" , "Friend or Family Member" ],[ "real estate agent" , "Real Estate Agent" ],[ "builder" , "My Builder" ],[ "internet search" , "Internet Search" ],[ "online ad" , "Online Advertisement" ],[ "tv or radio" , "TV or Radio Ad" ],[ "direct mail" , "Direct Mail" ],[ "other" , "Other" ]]},"disability_rating" : {"label": "Do you have a disability rating of 10% or higher from theVA?","description" : "Your disability rating may exempt you from the VA Funding Fee, a governmental fee applied to every VA purchase and refinance loan. This fee goes directly to the Department of Veterans Affairs.","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no" , "No" ],[ "unknown" , "I’d rather not say" ]]},"disability_income" : {"label": "Are you currently receiving VADisability Income?","description" : "Your receipt of VAdisability income may help us determine other benefits of your VAloan.","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no" , "No" ],[ "unknown" , "I’d rather not say" ]]},"current_loan_type" : {"label" : "What type of loan is your current mortgage?","type" : "radio","required" : true,"options" : [["Conventional" , "Conventional"],["VA" , "VA"],["FHA" , "FHA"],["USDA" , "USDA"],["none" , "No current mortgage"],["unknown" , "I don’t know"]]},"previous_va_loan" : {"label" : "Have you ever used a VA Loan before?","type" : "radio","required" : true,"class" : "field-stacked","options" : [["yes" , "Yes"],["no" , "No"]]},"paddio" : {"label" : "\u0020\u0020\u0020\u0020\u003Cdiv\u0020id\u003D\u0022paddio\u0022\u0020class\u003D\u0022handoff\u002Dmsg\u0022\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cdiv\u0020class\u003D\u0022logo\u0022\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cimg\u0020src\u003D\u0022https\u003A\/\/www.veteransunited.com\/assets\/v4\/images\/logos\/Paddio.png\u0022\u0020alt\u003D\u0022Paddio\u0022\/\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003C\/div\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cspan\u003E\n\t\t\tWe\u0020created\u0020Paddio\u0020to\u0020better\u0020serve\u0020civilian\u0020homebuyers.\n\t\t\u003C\/span\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cspan\u0020class\u003D\u0022fmcty\u002Dfield\u002Ddescription\u0022\u003E\n\t\t\tVeterans\u0020United\u0020is\u0020dedicated\u0020to\u0020serving\u0020Veterans\u0020and\u0020military\u0020families.\u0020We\u0020took\u0020our\u0020friendly,\u0020top\u002Drated\u0020homebuying\u0020experience\u0020and\u0020built\u0020Paddio\u0020\u2014\u0020so\u0020we\u0020could\u0020serve\u0020homebuyers\u0020like\u0020yourself.\n\t\t\u003C\/span\u003E\n\u0020\u0020\u0020\u0020\u003C\/div\u003E\n","type" : "radio","value" : 1,"required" : true,"options" : [["1", "Continue"]],},"neighbors" : {"label" : "\u0020\u0020\u0020\u0020\u003Cdiv\u0020id\u003D\u0022neighbors\u0022\u0020class\u003D\u0022handoff\u002Dmsg\u0022\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cdiv\u0020class\u003D\u0022logo\u0022\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cimg\u0020src\u003D\u0022https\u003A\/\/www.veteransunited.com\/assets\/v4\/images\/logos\/neighborsBank.jpg\u0022\u0020alt\u003D\u0022Neighbors\u0020Bank\u0022\/\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003C\/div\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cspan\u003E\n\t\t\tWe\u2019ve\u0020partnered\u0020with\u0020Neighbors\u0020Bank\u0020to\u0020better\u0020serve\u0020civilian\u0020homebuyers.\n\t\t\u003C\/span\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cspan\u0020class\u003D\u0022fmcty\u002Dfield\u002Ddescription\u0022\u003E\n\t\t\tVeterans\u0020United\u0020is\u0020dedicated\u0020to\u0020serving\u0020Veterans\u0020and\u0020military\u0020families.\u0020Neighbors\u0020Bank\u0020is\u0020a\u0020proud\u0020member\u0020of\u0020the\u0020Veterans\u0020United\u0020family\u0020of\u0020companies\u0020and\u0020provides\u0020personalized\u0020financing\u0020solutions\u0020and\u0020top\u002Drated\u0020customer\u0020service\u0020for\u0020homebuyers\u0020like\u0020yourself.\n\t\t\u003C\/span\u003E\n\u0020\u0020\u0020\u0020\u003C\/div\u003E\n","type" : "radio","value" : 1,"required" : true,"options" : [["1", "Continue"]],},"start_html" : {"type": "html","content" : "
"},"prompt_forward" : {"type": "hidden","value" : "1"},"house_html" : {"type": "html","content" : "
"},"calc_annual_income_label" : { "type" : "html", "content" : "See How Much Home You Can Afford in 2023" },'calc_annual_income' : {"label": "Annual Household Income Before Taxes:","description" : "","type" : "number_slider","min" : 10000,"max" : 500000,"value" : "70000","mask" : "number","attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","step" :[[0, 1000],[100000 , 10000]],"invalidMsg": "Please enter a dollar amount.","onChange" : "animate_house", },"result_html" : {"type": "html","content" : "
Your Home Affordability Estimate:
$
View assumptions »
"},},"order": [{"title" : "start-calc","inputs" :["src","curi","wuri","adg","cmp","desc","gclid","dclid","dnt_flag","fbclid","msclkid","utm_source","utm_medium","utm_campaign","utm_term","utm_content","val_exp","val_cmp","val_lead","fbp","host_name","form_id","frn","ap_token","opq_guid","opq_worthy","opq_version","opq_treatment","lead_partner_lead_id","adid","plc","ss_test_variation","ss_opq_test_variation","json","google_client_id","start_time","refi_ltv","refi_total_loan_amount","vu_agreestovuprivacypolicy","vu_agreestovutermsandconditions","vu_consentstovutcpa","vu_agreestovuautodial","vu_agreestovutexting","vu_agreestovusharingwithaffiliates","vu_agreestotransactioncommunications","vu_agreestolendingpartners","vu_agreestohbcpartneroffers","matchtype","mbsy_source","campaignid","mbsy","vu_agreestoedelivery","mrc_agreestohomeservices","twilio_version","lead_intent","purpose","property_value","house_html","calc_annual_income_label","calc_annual_income" ],"nextText" : "Start Calculating"},{"title" : "property-location","inputs" : ["property_search","property_zip","property_state","property_city"]},{"title" : "continue-online","inputs" : ["ny_opq_message"]},{"title" : "property-state","inputs" : ["property_state_select"]},{"title" : "texas-cashout","inputs" : ["tx_cashout_message"]},{"title" : "result-slide","inputs" :["result_html","prompt_forward"],"nextText" : "Continue"},{"title" : "refi-goals","inputs" : ["refi_reason"]},{"title" : "military-branch","inputs" : ["military_branch"]},{"title" : "military-type","inputs" : ["military_type"]},{"title" : "active-duty","inputs" : ["military_status"]},{"title" : "active-overseas","inputs" : ["currently_overseas"]},{"title" : "pcs-orders","inputs" : ["pcs"]},{"title" : "property-state","inputs" : ["civilian_property_state_select"]},{"title" : "three-percent-down","inputs" : ["three_percent_down"]},{"title" : "down-payment","inputs" : ["down_payment"]},{"title" : "down-payment-notice","inputs" : ["down_payment_notice",],},{"title" : "down-payment-notice-nb","inputs" : ["down_payment_notice_nb",],},{"title" : "property-type","inputs" : ["property_type"]},{"title" : "manufactured-property","inputs" : ["manufactured_own"]},{"title" : "property-use","inputs" : ["property_use"]},{"title" : "timeframe","inputs" : ["when_loan"]},{"title" : "timeframe-reason","inputs" : ["preventing_loan"]},{"title" : "current-home","inputs" : ["living_situation"]},{"title" : "first-time","inputs" : ["first_time"]},{"title" : "sell-home","inputs" : ["sell_before_purchase"]},{"title" : "mortgage-balance","inputs" : ["balance"]},{"title" : "interest-rate","inputs" : ["current_rate"]},{"title" : "refi-continue","inputs" : ["refi_ltv_message"],"nextText" : "Yes, continue"},{"title" : "cash-out-amount","inputs": ["cash_out_amount"],"after" : "
Maximum cashout amount based on the home value and mortgage balance information you supplied. Not guaranteed until locked in by your Loan Officer.
"},{"title" : "current-va-loan","inputs" : ["currentva"]},{"title" : "credit-rating","inputs" : ["credit_rating"]},{"title" : "employment","inputs" : ["occupational_status"]},{"title" : "marital_status","inputs" : ["marital_status"]},{"title" : "income","inputs" : ["gross_income"]},{"title" : "current-loan","inputs" : ["current_loan_type"]},{"title" : "previous-va","inputs" : ["previous_va_loan"]},{"title" : "disability-income","inputs" : ["disability_income"]},{"title" : "disability-rating","inputs" : ["disability_rating"]},{"title" : "bankruptcy","inputs" : ["bankruptcy"]},{"title" : "previously_closed_borrower","inputs" : ["previous_customer"]},{"title" : "referrer","inputs" : ["vu_referrer"]},{"title" : "paddio","inputs" : ["paddio",],"after" : "
Paddio has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.
"},{"title" : "neighbors-bank","inputs" : ["neighbors",],"after" : "
Neighbors Bank has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.
"},{"title" : "email","inputs" : ["email","secure_label","next","vu_agreestoemails",]},{"title" : "name","inputs" : ["name_label","first_name","last_name","secure_label"]},{"title" : "current-address","inputs" : ["address_label","address","zip","secure_label"]},{"title" : "time-at-current-address","inputs" : ["time_at_current_address"]},{"title" : "phone","inputs" : ["phone_full","secure_label","submit","vuhlagree",]},{"title" : "phone-verify","inputs" : ["twilio_phone","secure_label","next","vuhlagree",],},{"title" : "phone-verify-code","inputs" : ["phone_verify_code","phone_resend_label","phone_resend_text","phone_resend_call",],autoAdvance : false,},],"logic" : {"conditions" : {"is_purchase" : {"target" : "purpose","operator" : "=","value" : "P"},"is_refinance" : {"target" : "purpose","operator" : "=","value" : "R"},"is_civilian" : {"target" : "military_branch","operator" : "=","value" : "Civilian"},"is_spouse" : {"target" : "military_branch","operator" : "=","value" : "Spouse"},"is_other_va_eligible" : {"target" : "military_branch","operator" : "=","value" : "Other"},"is_active_duty" : {"target" : "military_status","operator" : "=","value" : "active"},"property_state_is_MA" : {"target" : "property_state","operator" : "=","value" : "MA"},"property_state_is_TN" : {"target" : "property_state","operator" : "=","value" : "TN"},"property_state_is_TX" : {"target" : "property_state","operator" : "=","value" : "TX"},"property_state_is_NY" : {"target" : "property_state","operator" : "=","value" : "NY"},"property_area_is_Clarksville" : {"target" : "property_zip","operator" : "inArray","value" : ["37010", "37015", "37040", "37042", "37043", "37050", "37146", "37172", "37191", "42223", "42240", "42262"]},"zip_is_Clarksville" : {"target" : "zip","operator" : "inArray","value" : ["37010", "37015", "37040", "37042", "37043", "37050", "37146", "37172", "37191", "42223", "42240", "42262"]},"property_state_lookup_failed" : {"target" : "property_state","operator" : "=","value": "fail"},"property_value_less_than_100k" : {"target" : "property_value","operator" : "<","value" : "100000"},"home_value_less_than_100k" : {"target" : "home_value","operator" : "<","value" : "100000"},"home_value_less_than_balance" : {"target" : "home_value","operator" : "<","inputValue" : "balance"},"balance_less_than_100k" : {"target" : "balance","operator" : "<","value" : "100000"},"balance_less_than_80k" : {"target" : "balance","operator" : "<","value" : "80000"},"current_rate_not_irrrl_worthy" : {"target": "current_rate","operator": "<","value" : "3.5"},"current_rate_not_cashout_worthy" : {"target": "current_rate","operator": "<","value" : "3.25"},"is_refi_cashout" : {"target": "refi_reason","operator": "=","value" : "cashout"},"is_refi_consolidation" : {"target": "refi_reason","operator": "=","value" : "consolidation"},"refi_ltv_greater_than_85" : {"target" : "refi_ltv","operator" : ">","value" : "85"},"refi_ltv_greater_than_95" : {"target" : "refi_ltv","operator" : ">","value" : "95"},"refi_amount_greater_than_15000" : {"target" : "refi_total_loan_amount","operator" : ">","value" : "15000"},"has_bankruptcy" : {"target": "bankruptcy","operator": "!=","value" : "Never"},"is_current_homeowner" : {"target": "living_situation","operator": "=","value" : "own"},"is_first_time_homebuyer" : {"target": "first_time","operator": "=","value" : "yes"},"current_loan_type_is_va" : {"target": "current_loan_type","operator": "=","value" : "VA"},"currentva_is_true" : {"target": "currentva","operator": "=","value" : "yes"},"had_previous_va_loan" : {"target": "previous_va_loan","operator": "=","value" : "yes"},"is_renting" : {"target": "living_situation","operator": "=","value" : "rent"},"is_manufactured_home" : {"target" : "property_type","operator" : "=","value" : "manufactured"},"over_6_months" : {"target" : "when_loan","operator" : "=","value" : "over 6 months"},"has_disability_income" : {"target": "disability_income","operator": "=","value" : "yes"},"has_agent" : {"target": "has_real_estate_agent","operator": "=","value" : "yes"},"random_under_80" : {"target" : "frn","operator" : "<=","value" : "80"},"random_under_90" : {"target" : "frn","operator" : "<=","value" : "90"},"property_in_territory" : {"target" : "property_state","operator": "inArray","value": ["GU", "PR", "VI"]},"is_previous_customer" : {"target" : "previous_customer","operator" : "=","value" : "yes"},"is_employed" : {"target" : "occupational_status","operator" : "inArray","value" : ["Employed", "Self-Employed"]},"prop_value_over_150k" : {"target" : "property_value","operator" : ">","value": "150000"},"credit_rating_good_or_excellent" : {"target" : "credit_rating","operator" : "inArray","value": ["Good","Excellent"]},"prop_state_is_neighbors" : {"target" : "civilian_property_state_select","operator": "inArray","value": ["NV", "NY", "NJ", "UT"]},"prop_state_is_MA" : {"target" : "property_state","operator": "=","value": "MA"},"civilian_prop_state_is_MA" : {"target" : "civilian_property_state_select","operator": "=","value": "MA"},"three_percent_down" : {"target" : "three_percent_down","operator": "=","value": "yes"},"twilio_on_for_all" : {"target" : "twilio_version","operator" : "=","value" : "1"},"queue_override_set": {"target": "queue_override","operator": "!=","value": ""},"down_payment_is_zero" : {"target" : "down_payment","operator": "=","value": "0"},},"rules" : {"toggle_three_percent_down" : {"condition" : "is_purchase && is_civilian","target" : "three_percent_down","action" : "show","else" : "hide",},"toggle_down_payment_notice" : {"condition" : "is_purchase && is_civilian && ( ! three_percent_down || down_payment_is_zero ) && ! prop_state_is_neighbors && ! civilian_prop_state_is_MA","target" : "down_payment_notice","action" : "show","else" : "hide",},"toggle_down_payment_notice_html" : {"condition" : "is_purchase && is_civilian && ( ! three_percent_down || down_payment_is_zero ) && ! prop_state_is_neighbors && ! civilian_prop_state_is_MA","target" : "down_payment_notice_html","action" : "show","else" : "hide",},"toggle_down_payment_notice_nb" : {"condition" : "is_purchase && is_civilian && ( ! three_percent_down || down_payment_is_zero ) && prop_state_is_neighbors && ! civilian_prop_state_is_MA","target" : "down_payment_notice_nb","action" : "show","else" : "hide",},"toggle_down_payment_notice_html_nb" : {"condition" : "is_purchase && is_civilian && ( ! three_percent_down || down_payment_is_zero ) && ! prop_state_is_neighbors && ! civilian_prop_state_is_MA","target" : "down_payment_notice_html_nb","action" : "show","else" : "hide",},"toggle_civilian_property_state" : {"condition" : "is_purchase && is_civilian","target" : "civilian_property_state_select","action" : "show","else" : "hide",},"toggle_down_payment" : {"condition" : "is_purchase && is_civilian && three_percent_down","target" : "down_payment","action" : "show","else" : "hide"},"toggle_neighbors_bank" : {"condition" : "is_purchase && is_civilian && ! is_manufactured_home && prop_state_is_neighbors && ! prop_state_is_MA && ! queue_override_set","target" : "neighbors","action" : "show","else" : "hide"},"toggle_paddio" : {"condition" : "is_purchase && is_civilian && ! is_manufactured_home && ! prop_state_is_neighbors && ! prop_state_is_MA && ! queue_override_set","target" : "paddio","action" : "show","else" : "hide"},"toggle_phone" : {"condition" : "( is_civilian || twilio_on_for_all )","target" : "phone_full","action" : "hide","else" : "show"},"toggle_twilio_verification" : {"condition" : "( is_civilian || twilio_on_for_all )","target" : "twilio_phone","action" : "show","else" : "hide"},"toggle_twilio_verification_resend_label" : {"condition" : "( is_civilian || twilio_on_for_all )","target" : "phone_resend_label","action" : "show","else" : "hide"},"toggle_twilio_verification_resend_text" : {"condition" : "( is_civilian || twilio_on_for_all )","target" : "phone_resend_text","action" : "show","else" : "hide"},"toggle_twilio_verification_resend_call" : {"condition" : "( is_civilian || twilio_on_for_all )","target" : "phone_resend_call","action" : "show","else" : "hide"},"toggle_twilio_verification_code" : {"condition" : "( is_civilian || twilio_on_for_all )","target" : "phone_verify_code","action" : "show","else" : "hide"},"toggle_property_search_label": {"condition": "is_refinance","target": "property_search","action": {"label" : "Where is your home located?"},"else": {"label" : "Where will your new home be located?"}},"toggle_property_state_select": {"condition": "property_state_lookup_failed","target": "property_state_select","action": "show","else": "hide"},"toggle_property_state_select_label": {"condition": "is_refinance","target": "property_state_select","action": {"label" : "In what state is your home located?"},"else": {"label" : "In what state will your new home be located?"}},"toggle_vu_referrer" : {"condition" : "is_previous_customer","target" : "vu_referrer","action": "hide","else" : "show"},"toggle_desired_payment" : {"condition" : "is_purchase","target" : "desired_payment","action" : "show","else" : "hide"},"toggle_property_value": {"condition": "is_purchase","target": "property_value","action": "show","else": "hide"},"toggle_home_value": {"condition": "is_refinance","target": "home_value","action": "show","else": "hide"},"toggle_current_rate": {"condition": "is_refinance","target": "current_rate","action": "show","else": "hide"},"toggle_balance": {"condition": "is_refinance","target": "balance","action": "show","else": "hide"},"toggle_refi_reason": {"condition" : "is_refinance","target" : "refi_reason","action" : "show","else" : "hide"},"toggle_tx_cashout_message": {"condition" : "is_refinance && property_state_is_TX && ( is_refi_cashout || is_refi_consolidation )","target" : "tx_cashout_message","action" : "show","else" : "hide"},"toggle_refi_ltv_message" : {"condition" : "is_refinance && ( is_refi_cashout || is_refi_consolidation ) && refi_ltv_greater_than_85","target" : "refi_ltv_message","action" : "show","else" : "hide"},"toggle_cash_out_amount": {"condition" : "is_refinance && ! is_civilian && ! property_state_is_TX && ( is_refi_cashout || is_refi_consolidation ) && ! refi_ltv_greater_than_85","target" : "cash_out_amount","action" : "show","else" : "hide"},"set_cash_out_amount_max": {"condition" : "! refi_ltv_greater_than_85","target" : "cash_out_amount","action": {"max" : "#var{cashOutMax}"}},"toggle_currentva" : {"condition" : "is_refinance && home_value_less_than_balance","target" : "currentva","action" : "show","else" : "hide"},"toggle_manufactured_own" : {"condition" : "is_manufactured_home","target" : "manufactured_own","action" : "show","else" : "hide"},"toggle_property_type_label" : {"condition" : "is_purchase","target" : "property_type","action" : {"label" : "What type of property are you buying?"},"else" : {"label" : "What type of property is your home?"},},"toggle_property_use_label" : {"condition" : "is_purchase","target" : "property_use","action" : {"label" : "How will you use your new home?"},"else" : {"label" : "How are you using this home?"},},"toggle_credit_score" : {"condition" : "property_state_is_MA","target" : "credit_rating","action" : "hide","else" : "show"},"toggle_occupational_status" : {"condition" : "! is_active_duty","target" : "occupational_status","action" : "show","else" : "hide"},"toggle_occupational_industry" : {"condition" : "is_employed && ! is_active_duty","target" : "occupational_industry","action" : "show","else" : "hide"},"toggle_when_loan" : {"condition" : "is_purchase","target" : "when_loan","action" : "show","else" : "hide"},"toggle_preventing_loan" : {"condition" : "is_purchase && over_6_months","target" : "preventing_loan","action" : "show","else" : "hide"},"toggle_first_time" : {"condition" : "is_purchase && ! is_current_homeowner","target" : "first_time","action" : "show","else" : "hide"},"toggle_current_loan_type" : {"condition" : "( is_refinance || is_current_homeowner ) && ! currentva_is_true","target" : "current_loan_type","action" : "show","else" : "hide"},"toggle_current_loan_type_none" : {"condition" : "is_refinance","target" : "current_loan_type","action": {"disabledOptions" : ["none"]},"else": {"disabledOptions" : []}},"toggle_previous_va_loan" : {"condition" : "! is_civilian && ! is_first_time_homebuyer && ! current_loan_type_is_va && ! currentva_is_true","target" : "previous_va_loan","action" : "show","else" : "hide"},"toggle_previous_va_customer" : {"condition" : "is_civilian || is_first_time_homebuyer || ! had_previous_va_loan","target" : "previous_customer","action" : "hide","else" : "show"},"toggle_sell_before_purchase" : {"condition" : "is_purchase && is_current_homeowner","target" : "sell_before_purchase","action" : "show","else" : "hide"},"toggle_disability_income": {"condition": "! is_civilian","target": "disability_income","action": "show","else": "hide"},"toggle_disability_rating": {"condition": "! is_civilian && has_disability_income","target": "disability_rating","action": "show","else": "hide"},"toggle_military_status" : {"condition" : "! is_civilian && ! is_spouse && ! is_other_va_eligible","target" : "military_status","action": "show","else": "hide"},"toggle_currently_overseas" : {"condition" : "is_active_duty && ! is_civilian && ! is_spouse && ! is_other_va_eligible","target" : "currently_overseas","action": "show","else": "hide"},"toggle_pcs" : {"condition" : "is_purchase && is_active_duty && ! is_civilian && ! is_spouse && ! is_other_va_eligible","target" : "pcs","action": "show","else": "hide"},"toggle_military_type" : {"condition" : "! is_civilian && ! is_spouse && ! is_other_va_eligible","target" : "military_type","action": "show","else": "hide"},"toggle_property_type_construction" : {"condition" : "is_refinance","target" : "property_type","action": {"disabledOptions" : ["new construction"]},"else": {"disabledOptions" : ["other"]}},"toggle_living_situation" : {"condition" : "is_purchase","target" : "living_situation","action" : "show","else" : "hide"},"toggle_opq_version" : {"condition" : "random_under_80","target" : "opq_version","action" : {"value" : "manual"},"else" : {"value" : "auto"},},"toggle_opq_worthy" : {"condition" : "! property_in_territory && ! ( is_refinance && ( has_bankruptcy || is_manufactured_home || ! refi_amount_greater_than_15000 || ( property_state_is_TX && ( is_refi_cashout || is_refi_consolidation ) ) ) )","target" : "opq_worthy","action" : {"value" : "1"},"else" : {"value" : "0"}},"toggle_ny_opq_message" : {"condition" : "property_state_is_NY","target": "ny_opq_message","action": "show","else": "hide"},},"validation" : {"zip" : {"operator" : "regex","value" : "^\\d{5}$"},"phone_full" : {"operator" : "regex","value" : "^[23456789]\\d{9}$"},"renting_end_date_year" : {"operator" : "fn","value" : "validateRentingEndDate"},"twilio_phone" : {"operator" : "ajax","value" : "validatePhone"},"phone_verify_code" : {"operator" : "ajax","value" : "validateCode"},}},"nextText" : "Continue","submitText" : "Get\u0020My\u0020Quote\u0021","submitUrl" : "https://www.veteransunited.com/backend.php","submitFn" : "submitFn","autoFocus" : true,"dataLayer" : {'change': true,'ready' : true,'prev': true,},};if (window.calcInlineAffordConfig !== undefined) {window.calcInlineAffordConfig.inputs.purpose = {"type" : "hidden","value" : "P"};window.calcInlineAffordConfig.inputs.property_value = {"type" : "hidden","value" : ""};}$(document).ready(function(){var calc_inline_afford = $('#calc_inline_afford');Fmcty.fn.launchWindow = function(url,opts) {var width = 600,height = 400;if (opts && opts.width) {width = opts.width;}if (opts && opts.height) {height = opts.height;}var left = (screen.width / 2) - (width / 2),top = (screen.height / 2) - (height / 2);if (opts && opts.top) {top = opts.top;}if (opts && opts.left) {left = opts.left;}var fmctyNewWindow = window.open(url, '', 'menubar=no,toolbar=no,resizable=yes,scrollbars=yes,height=' + height + ',width=' + width + ',top=' + top + ',left=' + left);if (window.focus) {fmctyNewWindow.focus()}return false;};calc_inline_afford.on('fmcty:ready',function(data){$(this).addClass('fmcty-ready');});Fmcty.fn.hideField = function(Fmcty,input,values,result) {$(Fmcty.input).closest('.fmcty-field').addClass('fmcty-field-hidden');};Fmcty.fn.calculateDownPayment = function(data){var values=data.values;$('input[name="down_payment"] + label').each(function () {var label = $(this),input = $('#' + label.attr('for')),percent = input.val();if (percent > 0 && percent < 21 && ! isNaN(percent)) {if (values.hasOwnProperty("property_value")) {if(values.property_value>=700001) {var range1 = Math.round(700000 * percent / 100);range1 = range1.toString().replace(/\B(?=(\d{3})+(?!\d))/g, ",");var range = " ($" + range1 + " + )";} else if(values.property_value != 150001) {var range1 = Math.round(parseInt(values.property_value) * percent / 100);var range2 = Math.round((parseInt(values.property_value) + 50000) * percent / 100);range1 = range1.toString().replace(/\B(?=(\d{3})+(?!\d))/g, ",");range2 = range2.toString().replace(/\B(?=(\d{3})+(?!\d))/g, ",");var range = " ($" + range1 + " – $" + range2 + ")";} else {var range = '';};percent = percent + "%";label.html(percent + " " + range + "");} else {label.text(percent + "%");}}});};Fmcty.fn.validateCode = function(data){var form_id = data.form_id,codeValue = data.value,phoneValue= Fmcty[form_id].verifiedPhone,carrierType = Fmcty[form_id].verifiedCarrierType;if(carrierType == "mobile") {var ajaxUrl = "/ajax/twilio_check_verify.php?verify_method=sms&code=" + codeValue + "&phone=" + phoneValue;} else if(carrierType == "landline") {var ajaxUrl = "/ajax/twilio_check_verify.php?verify_method=call&code=" + codeValue + "&phone=" + phoneValue;}$.ajax({url: ajaxUrl,dataType: 'json',success: function(res){if (res.status == 'approved') {data.input.valid();Fmcty[form_id].submit(false);} else {data.input.validationText = "Incorrect Verification Code";data.input.invalid();}},error: function (res){}});setTimeout(function() {data.input.valid();data.input.closest('.fmcty-section').removeClass('fmcty-section-waiting');},1);};Fmcty.fn.sendVerification = function(data){var form_id = data.form_id,carrierType = Fmcty[form_id].verifiedCarrierType,phoneValue = Fmcty[form_id].verifiedPhone,currentSlide = $('#'+form_id+' .fmcty-section-active').data('fmcty-section');if(Fmcty[form_id].hasOwnProperty('verifiedPhone') && currentSlide != "phone-verify") {var resendType = data.value;if (carrierType === 'mobile' && resendType === 'text'){var ajaxUrl = "/ajax/twilio_verify_send_code.php?verify_method=sms&phone=" + phoneValue;} else if (carrierType === 'landline' || resendType === 'call'){var ajaxUrl = "/ajax/twilio_verify_send_code.php?verify_method=call&phone=" + phoneValue;};$.ajax({url: ajaxUrl,dataType: 'json',success: function(res){},error: function(res){data.input.invalid();},});} else {if (carrierType === 'mobile'){var ajaxUrl = "/ajax/twilio_verify_send_code.php?verify_method=sms&phone=" + phoneValue;} else if (carrierType === 'landline'){var ajaxUrl = "/ajax/twilio_verify_send_code.php?verify_method=call&phone=" + phoneValue;};$.ajax({url: ajaxUrl,dataType: 'json',success: function(res){data.input.valid();Fmcty[form_id].next(false);},error: function(res){data.input.invalid();},});};};Fmcty.fn.validatePhone = function(data) {var rx = new RegExp('^\\d{10}$'),form_id = data.form_id,phoneValue = data.value;if (Fmcty[form_id].hasOwnProperty('verifiedPhone') && Fmcty[form_id].verifiedPhone == phoneValue){setTimeout(function(){$('#'+form_id+' .fmcty-section[data-fmcty-section="phone-verify-code"]').removeClass('fmcty-section-waiting');},1);Fmcty[form_id].next(false);} else {if(rx.test(phoneValue) && ! Fmcty[form_id].phoneCheckInProgress){Fmcty[form_id].phoneCheckInProgress = true;$.ajax({url: "/ajax/twilio_phone_lookup.php?phone=" + phoneValue,dataType: 'json',success: function(res){if(res.carrier_type != 'invalid'){Fmcty[form_id].verifiedCarrierType = res.carrier_type;Fmcty[form_id].verifiedPhone = phoneValue;data.form.find('input[name="phone_full"]').val(data.values.twilio_phone).trigger('change');Fmcty.fn.sendVerification(data);} else {data.input.invalid();}data.input.closest('.fmcty-section').removeClass('fmcty-section-waiting');Fmcty[form_id].phoneCheckInProgress = false;},error: function(res){data.input.closest('.fmcty-section').removeClass('fmcty-section-waiting');data.input.invalid();}});} else {setTimeout(function() {data.input.closest('.fmcty-section').removeClass('fmcty-section-waiting');data.input.invalid();},1);}};};Fmcty.fn.resendCodeText = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.resendCodeCall = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.showOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest('.fmcty-form').find('.fmcty-section[data-fmcty-section="phone"] .fmcty-submit').html('Continue');return false;};Fmcty.fn.hideOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest('.fmcty-form').find('.fmcty-section[data-fmcty-section="phone"] .fmcty-submit').html('Get\u0020My\u0020Quote\u0021');return false;};Fmcty.fn.validateRentingEndDate = function(data) {var isValid = true,currMonth = 06,currYear= 2023;if (data.values) {if ( parseInt(data.values.renting_end_date_month) < parseInt(currMonth) && parseInt(data.values.renting_end_date_year) <= parseInt(currYear) ) {isValid = false;}}return isValid;};var fmctyXhr = null;Fmcty.fn.callLocationLookupService = function(query,successCallback,errorCallback) {if (fmctyXhr && fmctyXhr.readyState != 4) {fmctyXhr.abort();}fmctyXhr = $.ajax({url: "https://www.mortgageresearchcenter.com/ajax/location.php?not_state=PR,VI,AE,AS,GU,MH,FM,MP,PW,AP&input=" + query,cache: true,dataType: "json",type: "GET",crossDomain: true,success: function(response) {successCallback(response);},error: function(response) {errorCallback(response);}});};Fmcty.fn.locationLookup = function(data) {var input = data.input,value = data.value,values = data.values,event = data.event;var section = input.closest('.fmcty-section'),prop_search = section.find('input[name="property_search"]'),prop_zip= section.find('input[name="property_zip"]'),prop_state= section.find('input[name="property_state"]'),prop_city = section.find('input[name="property_city"]'),result_display= section.find('.fmcty-autocomplete-placeholder'),autocomplete= section.find('.fmcty-autocomplete'),location,location_display;if ( ! result_display.length ) {result_display = $('').appendTo(prop_search.parent());}if ( ! autocomplete.length ) {autocomplete = $('
').insertAfter(prop_search.parent().parent());}var autocomplete_results = autocomplete.find('.fmcty-autocomplete-results');if (value.length < 2) {prop_zip.val('').trigger('change');prop_city.val('').trigger('change');prop_state.val('').trigger('change');result_display.val('');section.removeClass('mrc-zip-complete').find('.fmcty-ajax-result-description').remove();prop_search.attr('aria-expanded', 'false');return;}section.addClass('fmcty-section-waiting mrc-section-waiting');Fmcty.fn.callLocationLookupService(value,function(result) {if (typeof result.data !== 'undefined') {autocomplete_results.html('');for (var i = 0; i < result.data.length; i++) {if (result.data[i].PLACENAME) {var autocomplete_item = "",autocomplete_id = "";if (result.data[i].type === 'zip') {autocomplete_item = result.data[i].ZIPCODE+", ";autocomplete_id = result.data[i].ZIPCODE;} else {autocomplete_id = result.data[i].CityStateKey;}if (result.data[i].PLACENAME) {autocomplete_item += result.data[i].PLACENAME+', ';}if (result.data[i].STATEABBV) {autocomplete_item += result.data[i].STATEABBV;}autocomplete_results.append('
');}}location = result.data[0];section.find('#prop_search_aria_update').text(result.data.length + ' location results');section.removeClass('fmcty-section-waiting mrc-section-waiting').addClass('mrc-zip-complete');prop_search.closest('.fmcty-field').addClass('fmcty-field-focused');prop_search.attr('aria-expanded', 'true');section.find('.fmcty-field-validation').remove();location_display = "";if (location.PLACENAME) {location_display += location.PLACENAME+", ";prop_city.val(location.PLACENAME).trigger('change');} else {prop_city.val('').trigger('change');}if (location.STATEABBV) {location_display += location.STATEABBV;prop_state.val(location.STATEABBV).trigger('change');} else {prop_state.val('').trigger('change');}if (location.ZIPCODE) {prop_zip.val(location.ZIPCODE).trigger('change');} else {prop_zip.val('').trigger('change');}if (location.type === "zip") {location_display = location.ZIPCODE+", " + location_display;}var location_display_partial = location_display.slice(0, value.length),value_regex = new RegExp(value.replace(/[\.\-\d\w\s]+/g, '$&'), 'i'),location_regex = new RegExp(location_display_partial.replace(/[\.\-\d\w\s]+/g, '$&'), 'i'),location_result = location_regex.test(value_regex);if (location_result) {location_display = value + location_display.slice(value.length);} else {location_display = "";}result_display.val(location_display);} else {section.removeClass('fmcty-section-waiting mrc-section-waiting').removeClass('mrc-zip-complete');prop_search.attr('aria-expanded', 'false');section.find('#prop_search_aria_update').text('');prop_zip.val('').trigger('change');prop_city.val('').trigger('change');prop_state.val('').trigger('change');result_display.val('');section.find('.fmcty-ajax-result-description').remove();}},function(result) {if (result.statusText && result.statusText === "error") {section.removeClass('fmcty-section-waiting mrc-section-waiting').removeClass('mrc-zip-complete');prop_search.attr('aria-expanded', 'false');prop_state.val('fail').trigger('change');section.find('.fmcty-ajax-result-description').remove();} else {prop_zip.val('').trigger('change');prop_city.val('').trigger('change');prop_state.val('').trigger('change');result_display.val('');}});};Fmcty.fn.setPropertyState = function(Fmcty,input,value,values,event) {var form;if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */form= Fmcty.form;value = Fmcty.value;} else {form = input.closest('.fmcty-form');}form.find('input[name="property_state"]').val(value).trigger('change');form.find('input[name="property_city"]').val('').trigger('change');};if (Fmcty.values) {var prop_search_val = "";if (Fmcty.values.property_zip) {prop_search_val = Fmcty.values.property_zip;if (Fmcty.values.property_city) {prop_search_val += ", ";}}if (Fmcty.values.property_city) {prop_search_val += Fmcty.values.property_city;if (Fmcty.values.property_state) {prop_search_val += ", " + Fmcty.values.property_state;}}Fmcty.values.property_search = prop_search_val;}Fmcty.fn.calcRefiLtv = function(data){Fmcty.fn.calcRefiTotalLoanAmount(data);if (!data.values.home_value || !data.values.balance || data.values.home_value == 0) {return;}var homeVal = parseInt(data.values.home_value),balance = parseInt(data.values.balance),ltv = Math.round(balance / homeVal * 100),cashOutMax = Math.round((homeVal * .9 ) - balance);if (cashOutMax > 325000){cashOutMax = 325000;} else if (cashOutMax < 0){cashOutMax = 0;}Fmcty.var.cashOutMax = cashOutMax;if (data.values.cash_out_amount > cashOutMax) {data.form.find('[name="cash_out_amount"]').val(cashOutMax).trigger('change');}data.form.find('[name="refi_ltv"]').val(ltv).trigger('change');data.form.find('.fmcty_max_cash_out').text(String(cashOutMax).replace(/(.)(?=(\d{3})+$)/g,'$1,'));};Fmcty.fn.calcRefiTotalLoanAmount = function(data){var balance = parseInt(data.values.balance) || 0,cashout = parseInt(data.values.cash_out_amount) || 0;data.form.find('[name="refi_total_loan_amount"]').val(balance + cashout).trigger('change');};Fmcty.fn.txCashout = function(data){data.form.find('input[name="refi_reason"]').prop('checked',false).trigger('change').filter('[value="rate"]').prop('checked',true).trigger('change');};Fmcty.fn.submitFn = function(data){var response = data;if (data.response) {response = data.response; /* Fmcty 2.0 conversion */}if (data.values) {Fmcty.fn.recordLeadFeed(data.values);}if (response && response.return_url) {window.location = response.return_url;}};Fmcty.fn.recordLeadFeed = function(values){if (values && values.first_name && values.property_city){var badNames = ["test","fuck","fucker","shit","bitch","nigger","no","none"];if(jQuery.inArray(values.first_name.toLowerCase(), badNames) === -1) {$.ajax({type: "POST",url: "https://webhook.proofapi.com/cw/s8PWk6DsvxQ1kIlMHomPRJK4BRE2/-M78Glw6aeb1hgoWfTvm",dataType: "json",data: {"type" : "custom","first_name" : values.first_name,"email" : values.first_name+values.zip+Math.floor((Math.random() * 1000) + 1)+"@example.com","city": values.property_city,"state": values.property_state,"country": "United States",},success: function(response) {},error: function(response) {},});}}};Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRngCookie = function(data){var cookieName = "rngFormData";var lifetime =30;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRngFormValues = function(data){var values = data.values;var cookie = Fmcty.fn.checkRngCookie('rngFormData');var rngData = {};rngData.cookieTimeStamp = new Date();rngData.currentField = $(data.section).attr('data-fmcty-section');var session = Fmcty.fn.newSession(values);rngData.progress = [];if (typeof cookie !== 'undefined') {rngData.refreshCount = cookie.refreshCount;if(typeof cookie.progress !== 'undefined') {rngData.progress = cookie.progress;}} else {rngData.refreshCount = 0;}if(window.sessionStorage.isNewSession != 'false' || typeof window.sessionStorage.inNewSession === 'undefined') {rngData.progress.push(JSON.parse(session));}$.each(values,function(key,value){if ($.inArray(key,Fmcty.rngFields) !== -1){rngData[key] = value;}});Fmcty.fn.createRngCookie(rngData);};Fmcty.fn.deleteRngValues = function() {var cookieName = "rngFormData";Fmcty.fn.createCookie(cookieName,"",-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = "; expires="+date.toGMTString();}else var expires = "";document.cookie = name+"="+value+expires+"; path=/";};Fmcty.fn.checkRngCookie = function(name) {const value = `; ${document.cookie}`;const parts = value.split(`; ${name}=`);if (parts.length === 2) return $.parseJSON(atob(parts.pop().split(';').shift()));};Fmcty.fn.newSession = function(data) {window.sessionStorage.isNewSession = false; var date = new Date();var nextSection = Fmcty.fn.findNextSection(Object.keys(data));return '{"timestamp":"'+date.toLocaleString().replace(/[^ -~]/g,'')+'", "nextSection":"'+nextSection+'", "src":"'+data.src+'", "cmp":"'+data.cmp+'"}';};Fmcty.fn.findNextSection = function(prefilledFields) {var form = $('#calc_inline_afford');var fieldClasses = prefilledFields.map(function(field) {return '.field-' + field;});fieldClasses.push('.fmcty-field-hidden, .fmcty-field-hidden-input:not(.field-ny_opq_message), .fmcty-field-html, .fmcty-field-submit, .fmcty-field-next, .fmcty-field-prev');var nextSection = form.find('.fmcty-field').not(fieldClasses.join(', ')).first().closest('.fmcty-section');return nextSection.parent().children().index(nextSection) + 1;};addEventListener('beforeunload', (event) => {var data = Fmcty.fn.checkRngCookie('rngFormData');if(!data) {} else {data.refreshCount++;Fmcty.fn.createRngCookie(data);}});Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRldCookie = function(data){var cookieName = "rldFormData";var lifetime =1;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRldFormValues = function(data){var values = data.values;var rldData = {};rldData.cookieTimeStamp = new Date();rldData.currentField = $(data.section).attr('data-fmcty-section');$.each(values,function(key,value){if ($.inArray(key,Fmcty.rldFields) !== -1){rldData[key] = value;}});Fmcty.fn.createRldCookie(rldData);};Fmcty.fn.deleteRldValues = function() {var cookieName = "rldFormData";Fmcty.fn.createCookie(cookieName,"",-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = "; expires="+date.toGMTString();}else var expires = "";document.cookie = name+"="+value+expires+"; path=/";};Fmcty.fn.setBindings = function(form_var){form_var.on("fmcty:next fmcty:prev",function(e,data){var scrollTop = $(document).scrollTop(),formTop = $('#calc_inline_afford').offset().top;if ( scrollTop > formTop ) {$("html, body").animate({scrollTop:formTop},500)}});form_var.on("fmcty:next",function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== 'undefined') {ga('vuhlga.send', {hitType: 'event',eventCategory: 'Formocity: #calc_inline_afford',eventAction: 'Advance To Section',eventLabel: $(elem).data('fmctySection')});}});form_var.on("fmcty:prev",function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== 'undefined') {ga('vuhlga.send', {hitType: 'event',eventCategory: 'Formocity: #calc_inline_afford',eventAction: 'Back To Section',eventLabel: $(elem).data('fmctySection')});}});form_var.on("fmcty:change",function(e,data){if (window.dataLayer && data && data.input_name && ( data.input_name === "property_value" || data.input_name === "home_value" ) ) {var adValue = parseInt(data.value) / 1000;window.dataLayer.push({event : "adValue",adValue : adValue});}});form_var.on("fmcty:submit",function(e,data){var values;if (data.values) {values = data.values;} else {values = data;}if (typeof ga !== 'undefined') {ga('vuhlga.send', {hitType: 'event',eventCategory: 'Formocity: #calc_inline_afford',eventAction: 'Submit',eventLabel: values.plc + ' ~ ' + values.purpose});}if (window.dataLayer) {if ( ! ( parseInt(values.property_value) < 100000 || parseInt(values.home_value) < 100000 ) && values.credit_rating !== "Poor" && values.credit_rating !== "unknown" ) {window.dataLayer.push({event : "pkTrueSubmit"});}}});Fmcty.fn.setFrn = function(data){var frnEl;if (data.form){frnEl = $(data.form).find("input[name='frn']");} else {frnEl = $("input[name='frn']");}var frnVal = frnEl.val();if ( !frnVal ){frnEl.val((Math.random() * 100).toFixed(2)).trigger('change');}};form_var.on('fmcty:ready', Fmcty.fn.setFrn);form_var.on('fmcty:ready',function(){function check_ga() {if (typeof ga === 'function') {ga(function() {var tracker = ga.getByName('vuhlga');var client_id = tracker.get('clientId');$("input[name='google_client_id']").val(client_id).trigger('change');});} else {setTimeout(check_ga,500);}}check_ga();});var progBar, progWrapper, progText;form_var.on('fmcty:ready',function(){progBar = $('
').prependTo('#calc_inline_afford');progWrapper = progBar.wrap('
').parent();progText = $('
').appendTo(progWrapper);});form_var.on('fmcty:progress_updated',function(e,data){if (progBar && progBar.length) {var activeSections = form_var.find('.fmcty-field').not('.fmcty-field-hidden, .fmcty-field-html, .fmcty-field-submit, .fmcty-field-next, .fmcty-field-prev').closest('.fmcty-section'),currentStep = activeSections.index(form_var.find('.fmcty-section-active')) + 1,activeSteps = activeSections.length;var progressPct = (currentStep/activeSteps)*100;if (isNaN(progressPct) || progressPct < 0) {progressPct = 0;} else if (progressPct > 100) {progressPct = 100;}progBar.css('transform', 'translateX(-' + (100-progressPct) + '%)');if (form_var.find('.fmcty-section-complete').length > 0) {progWrapper.addClass('fmcty-progress-bar-active');}}});form_var.on("fmcty:progress_updated",function(e,data){if (data.progress.currentStep > 1) {$('body').addClass('form-started form-engaged');data.container.addClass('fmcty-started fmcty-engaged');} else {$('body').removeClass('form-started');data.container.removeClass('fmcty-started');}});form_var.on('fmcty:section_complete', function(e, data){if (data.section.attr('data-fmcty-section') == 'email'){if(Fmcty.calc_inline_afford) {var values = Fmcty.calc_inline_afford.values;$.post("/v3/marketo_partial.php", values);}}});var plc = form_var.data('fmctyPlc');if (plc && window.calcInlineAffordConfig && window.calcInlineAffordConfig.inputs && window.calcInlineAffordConfig.inputs.plc) {window.calcInlineAffordConfig.inputs.plc.value = plc;}form_var.on('fmcty:ready',function(e,data) {var autocomplete_click = false;function autoAdvanceSection (section) {var hasAutoAdvance = !(section.data('fmcty-auto-advance') === false);if (hasAutoAdvance) {Fmcty['calc_inline_afford'].next();}}form_var.on('click','.fmcty-autocomplete-result',function(e) {e.preventDefault();var link= $(this),section = link.closest('.fmcty-section'),hint= section.find('.fmcty-autocomplete-placeholder'),prop_search = section.find('input[name="property_search"]'),prop_zip= section.find('input[name="property_zip"]'),prop_state= section.find('input[name="property_state"]'),prop_city = section.find('input[name="property_city"]');prop_zip.val(link.data('zip')).trigger('change');prop_city.val(link.data('city')).trigger('change');prop_state.val(link.data('state')).trigger('change');prop_search.val(link.text());hint.val(link.text());section.find('#prop_search_aria_update').text(hint.val() + ' selected');section.removeClass('mrc-zip-complete');prop_search.attr('aria-expanded', 'false');if ( '' == 'standard' ) {prop_search.focus().closest('.fmcty-field').removeClass('fmcty-field-focused');} else {autoAdvanceSection(section);}}).on('mousedown','.fmcty-autocomplete-result', function(e) {autocomplete_click = true;});form_var.find('[name="property_search"]').not('[type="hidden"]').wrap('
').on('focus',function(e){var link = $(this),section = link.closest('.fmcty-section');link.closest('.fmcty-field').addClass('fmcty-field-focused');if (section.hasClass('mrc-zip-complete')) {prop_search.attr('aria-expanded', 'true');}}).on('blur',function(e){var link= $(this),section = link.closest('.fmcty-section'),prop_search = section.find('input[name="property_search"]');if(autocomplete_click) {autocomplete_click = false;form_var.on('mouseup', function() {$(link).closest('.fmcty-field').removeClass('fmcty-field-focused');prop_search.attr('aria-expanded', 'false');$(this).off('mouseup');});} else {$(link).closest('.fmcty-field').removeClass('fmcty-field-focused');prop_search.attr('aria-expanded', 'false');}}).on('keydown',function(e){if(e.which === 13) {e.preventDefault();e.stopImmediatePropagation();}}).on('keyup',function(e) {var input = $(this),section = input.closest('.fmcty-section');hint= section.find('.fmcty-autocomplete-placeholder'),prop_field= section.find('.field-property_search'),prop_search = section.find('input[name="property_search"]');var results = $('.fmcty-autocomplete-result');section.find('.fmcty-autocomplete-placeholder').val('');switch(e.which) {case 9:break;case 13:section.removeClass('mrc-zip-complete');section.find('#prop_search_aria_update').text(hint.val() + ' selected');if ( '' == 'standard' ) {prop_search.focus().closest('.fmcty-field').removeClass('fmcty-field-focused');} else {autoAdvanceSection(section);}break;case 16:case 37:case 38:case 39:case 40:break;default:Fmcty.fn.locationLookup({"event": e,"input": input,"value": input.val()});break;}if (results.length && prop_field.hasClass('fmcty-field-focused') && section.hasClass('mrc-zip-complete') ) {var selected_result = results.filter('.hover');results.removeClass('hover').attr('aria-selected', 'false');prop_search.attr('aria-activedescendant', '');if (e.which === 38 || e.which === 40) {var hint= section.find('.fmcty-autocomplete-placeholder'),prop_zip= section.find('input[name="property_zip"]'),prop_state= section.find('input[name="property_state"]'),prop_city = section.find('input[name="property_city"]');switch(e.which) {case 38:if (selected_result.length && selected_result.parent().prev().children('a').length) {selected_result = selected_result.parent().prev().children('a').addClass('hover').attr('aria-selected', 'true');prop_search.attr('aria-activedescendant', selected_result.attr('id'));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data('zip')).trigger('change');prop_city.val(selected_result.data('city')).trigger('change');prop_state.val(selected_result.data('state')).trigger('change');} else {prop_search.attr('aria-activedescendant', '');}break;case 40:if (! selected_result.length) {selected_result = results.first().addClass('hover').attr('aria-selected', 'true');} else if (selected_result.parent().next().children('a').length) {selected_result = selected_result.parent().next().children('a').addClass('hover').attr('aria-selected', 'true');} else {selected_result = results.last().addClass('hover').attr('aria-selected', 'true');}prop_search.attr('aria-activedescendant', selected_result.attr('id'));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data('zip')).trigger('change');prop_city.val(selected_result.data('city')).trigger('change');prop_state.val(selected_result.data('state')).trigger('change');break;}}}});});form_var.on('fmcty:ready', function(){$('[name="ss_test_variation"]').val('ss_Q2SweepsBooTest1_1').trigger('change');});form_var.on('fmcty:ready', function() {function check_ap() {if (typeof window.activeProspectCert !== 'undefined') {$("input[name='ap_token']").val(window.activeProspectCert).trigger('change');} else {if(typeof loadTrustedForm == 'function') {loadTrustedForm();setTimeout(check_ap,1000);}}}check_ap();});};Fmcty.fn.setBindings(calc_inline_afford);populateAddresses = function (result) {var input = $('input[name="property_search_2"]');var section = input.closest('.fmcty-section');var prop_search = section.find('input[name="property_search_2"]');var prop_rupid = section.find('input[name="property_rupid"]');var autocomplete = section.find('.fmcty-autocomplete');var autocomplete_results = autocomplete.find('.fmcty-autocomplete-results');var placeholder = $('.fmcty-autocomplete-placeholder');if (typeof result.content !== 'undefined') {autocomplete_results.html("");placeholder.html("");section.find("#prop_search_aria_update").text(result.content.length + " location results");section.removeClass("fmcty-section-waiting mrc-section-waiting").addClass("mrc-zip-complete");section.find(".fmcty-field-validation").remove();if (result.content.length > 0) {for (var i = 0; i < result.content.length; i++) {var autocomplete_item = result.content[i].full_address,autocomplete_id = "";autocomplete_results.append('
');}} else {autocomplete_results.append('
');}} else {section.removeClass("fmcty-section-waiting mrc-section-waiting").removeClass("mrc-zip-complete");prop_search.attr("aria-expanded", "false");section.find("#prop_search_aria_update").text("");prop_rupid.val("").trigger("change");section.find(".fmcty-ajax-result-description").remove();}$('body').on('click', '.fmcty-autocomplete-result', function (e) {e.preventDefault();var link = $(this);var prop_address = section.find('input[name="address"]');var prop_rupid = section.find('input[name="property_rupid"]');prop_rupid.val(link.data('rupid')).trigger('change');prop_address.val(link.data('address')).trigger('change');placeholder.val('');});$('[name="property_search_2"]').not('[type="hidden"]').on('keyup', function (e) {var input = $(this),section = input.closest('.fmcty-section'),placeholder = $('.fmcty-autocomplete-placeholder'),results = $('.fmcty-autocomplete-results a');if (results.length) {var selected_result = results.filter('.hover');if (e.which === 38 || e.which === 39 || e.which === 40) {var prop_rupid = section.find('input[name="property_rupid"]'),prop_zip = section.find('input[name="zip"]'),prop_state = section.find('input[name="property_state_2"]'),prop_city = section.find('input[name="property_city_2"]'),prop_address = section.find('input[name="address"]');switch (e.which) {case 38: if (selected_result.length && selected_result.parent().prev().children('a').length) {prop_rupid.val(selected_result.data('rupid')).trigger('change');prop_address.val(selected_result.data('address')).trigger('change');}placeholder.val('');break;case 39: input.val(result.content[0].full_address.toUpperCase()).trigger('change');prop_zip.val(result.content[0].zip).trigger('change');prop_city.val(result.content[0].city).trigger('change');prop_address.val(result.content[0].street_address).trigger('change');prop_state.val(result.content[0].state).trigger('change');prop_rupid.val(result.content[0].rupid).trigger('change');placeholder.val('');break;case 40: prop_address.val(selected_result.data('address')).trigger('change');prop_rupid.val(selected_result.data('rupid')).trigger('change');placeholder.val('');break;}}}});};var VU_Var = {current_house:1};var VU_House = {house_posY: [0,-181,-362,-543,-724],roof_origin: ['25% 100%','75% 100%'],roof_rotate: [-10,10],INIT: function(){this.ANIMATE_CLOUD('#cloud_1', -4);this.ANIMATE_CLOUD('#cloud_2', 0);this.ANIMATE_CLOUD('#cloud_3', 4);},ANIMATE_CLOUD: function(id,_delay){var pos_y = this.RANDOM(-45,45),speed = this.RANDOM(10,12);/* gsap.fromTo(id, speed, {y:pos_y, x:299},{delay:_delay, x:-131, ease:'none', onComplete: function(){VU_House.ANIMATE_CLOUD(id, 0);}}); */gsap.fromTo(id, speed, {y:pos_y, x:558},{delay:_delay, x:-390, ease:'none', onComplete: function(){VU_House.ANIMATE_CLOUD(id, 0);}});},SWAP_HOUSE: function(n) {gsap.fromTo('#house', 1, {z: 0.1,backgroundPositionY: this.house_posY[n-1]+'px',transformOrigin:'center bottom',scale: 0.5}, {z: 0.1,scale: 1,ease:'elastic.out'});gsap.killTweensOf('#house2_pt0');gsap.killTweensOf('#house3_pt0');gsap.killTweensOf('#house4_pt0');gsap.killTweensOf('#house5_pt1');gsap.set(['.house_pt','.house_pop'], {opacity:0, overwrite: true});var random = this.RANDOM(0,1),tl = gsap.timeline();switch(n) {case 2:tl.fromTo('#house2_pt0', 0.2, { z: 0.1, scale:0.5, y: 10 }, { z: 0.1, scale:1, y: 0 });tl.fromTo('#house2_pt0', 0.8, {z: 0.1,transformOrigin: VU_House.roof_origin[random],opacity:1,rotation: VU_House.roof_rotate[random],}, {z: 0.1,rotation:0,ease:'elastic.out'});tl.to('.house2_pop', 0.5, {opacity:1,stagger: 0.1, ease:'power2.out'}, "-=1");tl.fromTo('.house2_pop', 0.5, {z: 0.1,scale:1}, {scale:2,opacity:0, ease:'power2.out'}, "-=0.9");break;case 3:tl.fromTo('#house3_pt0', 0.2, { z: 0.1, x: -20, y: 100, opacity:1 }, { z: 0.1, x: 0,y: 0 });tl.fromTo('#house3_pt0', 0.8, {z: 0.1,transformOrigin: '50% 50%',opacity:1,scale:0.9,rotation:-10,}, {z: 0.1,scale:1,rotation:0,ease:'elastic.out'});tl.fromTo('.house3_pt1', 0.5, {z: 0.1,scale:0.3}, {scale:1,opacity:1, ease:'back.out'}, "-=0.9");tl.to('.house3_pop', 0.5, {opacity:1,stagger: 0.1, ease:'power2.out'}, "-=1");tl.fromTo('.house3_pop', 0.5, {z: 0.1,scale:1}, {scale:2,opacity:0, stagger: 0.1, ease:'power2.out'}, "-=0.9");break;case 4:tl.fromTo('#house4_pt0', 0.2, { z: 0.1, scale:0.5, y: 10 },{ z: 0.1, scale:1, y: 0 });tl.fromTo('#house4_pt0', 0.8, {z: 0.1,transformOrigin: VU_House.roof_origin[random],opacity:1,rotation: VU_House.roof_rotate[random],}, {z: 0.1,rotation:0,ease:'elastic.out'});tl.set('#house4_pt1', {delay:0.1, opacity:1}, "-=0.8");tl.fromTo('#house4_pt1', 0.3, {z: 0.1, scale:0.5, transformOrigin: 'center bottom'}, { scale:1,ease:'back.out'}, "-=0.7");tl.fromTo('.house4_pt2', 0.5, {z: 0.1,scale:0.3}, {scale:1,opacity:1, stagger: 0.1,ease:'back.out'}, "-=0.9");tl.to('.house4_pop', 0.5, {opacity:1,stagger: 0.1, ease:'power2.out'}, "-=0.9");tl.fromTo('.house4_pop', 0.5, {z: 0.1,scale:1}, {opacity:0, scale:2, stagger: 0.1, ease:'power2.out'}, "-=0.8");break;case 5:tl.set('#house5_pt1', {delay:0.2, scaleX:0.9, scaleY:0.5, opacity:1});tl.to('#house5_pt1', 0.8, {z:0.1,transformOrigin: 'center bottom',scaleX:1,scaleY:1,ease:'elastic.out(1,0.4)'});tl.fromTo('.house5_pt2', 0.5, {z: 0.1,scale:0.3}, {scale:1,opacity:1, stagger: 0.1,ease:'elastic.out(1,0.4)'}, "-=0.8");tl.to('._house5_pop', 0.5, {opacity:1,stagger: 0.1, ease:'power2.out'}, "-=0.8");tl.fromTo('._house5_pop', 0.5, {z: 0.1,scale:1}, {opacity:0, scale:2, stagger: 0.1, ease:'power2.out'}, "-=0.7");tl.to('.house5_pop', 0.5, {opacity:1,stagger: 0.1, ease:'power2.out'}, "-=0.9");tl.fromTo('.house5_pop', 0.5, {z: 0.1,scale:1}, {opacity:0, scale:2, stagger: 0.1, ease:'power2.out'}, "-=0.8");break;}VU_Var.current_house = n;},RANDOM: function(min, max) {return Math.floor(Math.random() * (max - min + 1) ) + min;}};Fmcty.fn.animate_house = function(itemChanged) {var purchasePrice = itemChanged.value.split(",").join("");if(purchasePrice <= 50000 && VU_Var.current_house != 1) {VU_House.SWAP_HOUSE(1);} else if (purchasePrice >= 50001 && purchasePrice <= 79000 && VU_Var.current_house != 2) {VU_House.SWAP_HOUSE(2);} else if (purchasePrice >= 79001 && purchasePrice <= 110000 && VU_Var.current_house != 3) {VU_House.SWAP_HOUSE(3);} else if (purchasePrice >= 110001 && purchasePrice <= 250000 && VU_Var.current_house != 4) {VU_House.SWAP_HOUSE(4);} else if (purchasePrice >= 250001 && VU_Var.current_house != 5) {VU_House.SWAP_HOUSE(5);}};calc_inline_afford.on('fmcty:next fmcty:prev',function(e,elem) {var slide = $(elem.section[0]);if ( slide.is('li[data-fmcty-section="start-calc"]') ) {$('.fmcty-progress-bar-wrapper.fmcty-progress-bar-active').css('opacity', '0');};if ( slide.is('li[data-fmcty-section="property-location"]') ) {$('.fmcty-progress-bar-wrapper.fmcty-progress-bar-active').css('opacity', '1');}if ( slide.is('li[data-fmcty-section="property-location"]') ) {Fmcty.fn.afford_calculate();}});Fmcty.fn.makeCalc = function() { Fmcty.fn.calc = new Affordability(); Fmcty.fn.afford_calculate();return Fmcty.fn.calc;};Fmcty.fn.afford_calculate = function() {var calc = Fmcty.fn.calc; if (!calc) return false; var values = Fmcty['calc_inline_afford'].values; var prop_value_field = $('#calc_inline_afford').find('input[name="property_value"]');calc.set('annualIncome', (values['calc_annual_income'] * 0.28)); calc.set('monthlyDebts', 0); calc.set('downPaymentPercent', 0); calc.set('loanTermInYears', 30); calc.set('propertyTaxRate', 1.2); calc.set('insuranceRate', 0.035); calc.set('fundingFeeRate', 2.3); calc.set('recommendedIncomeRatio', 1); calc.set('vaDisabled', false); calc.set('vaPreviousUse', false); calc.set('militaryStatus', 'regular'); calc.set('loanType', "p"); calc.set('interestRate', 6.250);var results = calc.calculate();var purchasePrice = calc.formatCurrency(Math.floor(results.purchasePrice), 0);$('#afford-result').html(purchasePrice);prop_value_field.val(Math.floor(results.purchasePrice)).trigger('change');};calc_inline_afford.on('fmcty:ready',function(e,data) {VU_House.INIT();$('#house_animaton').css('opacity', '1');Fmcty.fn.makeCalc();});calc_inline_afford.formocity(window.calcInlineAffordConfig);});
FAQs
VA Loans for Coast Guard: See if You're Eligible? ›
National Guard members and reservists are eligible for a VA home loan if they have completed at least six years of honorable service, are mobilized for active duty service for a period of at least 90 days, or are discharged because of a service-connected disability.
How long do you have to serve in the Coast Guard to get VA loan? ›National Guard members and reservists are eligible for a VA home loan if they have completed at least six years of honorable service, are mobilized for active duty service for a period of at least 90 days, or are discharged because of a service-connected disability.
Is Coast Guard eligible for VA? ›Yes, generally, all National Guard and Reserve members qualify for some VA benefits. Different VA benefits may consider different factors to determine eligibility, such as length of service, type of service (such as under Title 10 or Title 32), wartime service, and/or service-related disability.
What disqualifies you from a VA loan? ›To receive VA home loan benefits and services, the Veteran's character of discharge or service must be under other than dishonorable conditions (e.g., honorable, under honorable conditions, general). Generally, there is no character of discharge bar to benefits to Veterans' Group Life Insurance.
Do veterans automatically qualify for a VA loan? ›All veterans discharged under other than dishonorable conditions from at least 90 days of service which began before September 8, 1980, are eligible.
Can I get VA benefits if I served less than 2 years? ›You must have served 24 continuous months or the full period for which you were called to active duty, unless any of the descriptions below are true for you.
Does 6 years in the National Guard make you a veteran? ›Does 6 years in the National Guard make you a veteran? Yes, if you spent at least 180 days of that 6 years deployed on federal active duty orders. A 2016 change to federal law expanded the definition of “veteran” for many National Guard members.
Does Coast Guard count as military service? ›The Army, Marine Corps, Navy, Air Force, Space Force and Coast Guard are the armed forces of the United States. The Army National Guard and the Air National Guard are reserve components of their services and operate in part under state authority.
Does Coast Guard qualify for USAA? ›Who is eligible for USAA membership? ? Active duty and retired service members of the U.S. Armed Forces (Army, Air Force, Navy, Marine Corps and Coast Guard) or in the Selected Reserve or National Guard; or those honorably separated in 1996 or later from active duty, Selected Reserve or National Guard.
Does basic training count as active duty time? ›No, training doesn't count as active duty. For the regular Army/Navy/Air Force/Marine Corps/Coast Guard, active duty begins when a military member reports to a duty station after completion of training (basic, officer training, tech school).
How often do VA loans get denied? ›
VA loan denial isn't uncommon. According to HMDA data, 12% of VA loan applications received a denial in Q2 of 2022, compared to 17% of FHA loans. While not uncommon, many scenarios may be preventable. Here are the most common reasons VA loans get denied and how you can prevent heartbreak during the homebuying process.
Why would a veteran be denied a VA loan? ›In the overwhelming majority of cases, inexperienced loan officers or strict overlays are the reason for being denied for a VA loan. If your lender is not approved to do manual underwriting on VA home loans, you may be told you're not approved without further explanation or options.
Does VA loan look at income? ›The debt-to-income ratio determines if you can qualify for VA loans. The acceptable debt-to-income ratio for a VA loan is 41%. Generally, debt-to-income ratio refers to the percentage of your gross monthly income that goes towards debts. In fact, it is the ratio of your monthly debt obligations to gross monthly income.
What is the minimum credit score for a VA loan? ›There is no minimum credit score requirement. Instead, VA requires a lender to review the entire loan profile.
How does a Veteran show that he qualifies for a VA loan? ›At least 90 days of active-duty service including at least 30 consecutive days (your DD214 must show 32 USC sections 316, 502, 503, 504, or 505 activation), or. 6 creditable years in the National Guard and you were discharged honorably or placed on the retired list.
Does everyone get approved for a VA loan? ›Even if your debt ratio is 20, well under the 41 limit, if your credit is below 620 it will be difficult to get a loan approval from a VA lender. If your income isn't steady or you're not currently employed full-time, you may not be approved.
Does VA have a 10 year rule? ›TEN YEAR RULE -The VA 10 year rule means the VA cannot eliminate a rating that's been in place for 10 years or more. However, the rating can be reduced if medical evidence shows that the disability has improved.
Why are National Guard members not considered veterans? ›Thus former or current members of the National Guard or Reserves are not considered to be veterans unless they had prior or subsequent service with an active component of the Armed Forces. (Reservists called to active duty by Executive Order qualify as veterans.)
What is the 10 year rule for VA? ›If the Veteran's eligibility was due to a service-connected disability rated as totally disabling, they must have had this rating: For at least 10 years before their death, or. Since their release from active duty and for at least 5 years immediately before their death, or.
Are you considered a veteran after 4 years of service? ›A minimum service requirement exists. Service members must have served a minimum of 24 months of active duty to be considered a veteran. If the service member becomes disabled because of their time in the service, there is no minimum length of service to qualify for VA benefits.
Do National Guard veterans get a military funeral? ›
Any person (Active, National Guard, or Reserve) who has completed at least one enlistment or other obligated military service and received an honorable discharge is eligible for Military Funeral Honors.
What is the difference between a veteran and a combat veteran? ›For a Veteran to be considered a wartime Veteran, they would have had to have served during a period of war. This is different from a combat Veteran who actively engaged in combat during their service.
What is the highest paying job in the Coast Guard? ›- Highest Paying Job At U.s. Coast Guard. Associate Principal Scientist - $112,685.
- Highest Paying Department At U.s. Coast Guard. Research & Development - $95,938. See Other Departments.
- Highest Paying Location At U.s. Coast Guard. Alameda, CA - $78,977. See Other Locations.
a) A DD-214 form will not be accepted to document sea service because it does not include all of the required information.
Has the Coast Guard ever seen combat? ›Despite what some people will tell you, the Coast Guard does serve in combat missions. A full list of the Coast Guard's involvement in combat can be read here. An expert from the official Coast Guard Website explains their involvement in recent conflicts.
Are there Coast Guard veterans? ›I then realized we do not have a lot of Coast Guard Veterans, so others might have the same question. The answer is yes. The United States Coast Guard is a branch of the United States Armed Forces. They are a small military service with approximately 38,000 active duty and 12,000 reserve personnel.
Does Coast Guard get all military benefits? ›As long as you are on active duty, your medical, dental, and eye coverage costs are all catered for. This means you will not pay even a cent to access medical services and dental care.
Who is not eligible for USAA? ›USAA insurance is only for military members' and veterans' direct family members. Anyone besides a current or former spouse and children will not be eligible for USAA insurance coverage.
How long do you have to be in the military to qualify for a VA loan? ›At least 90 days of active-duty service including at least 30 consecutive days (your DD214 must show 32 USC sections 316, 502, 503, 504, or 505 activation), or. 6 creditable years in the National Guard and you were discharged honorably or placed on the retired list.
How long do you have to serve in the military to get full VA benefits? ›Minimum Duty Requirements
Most Veterans who enlisted after September 7, 1980, or entered active duty after October 16, 1981, must have served 24 continuous months or the full period for which they were called to active duty to be eligible.
How long do you have to be in the Marines to get a VA loan? ›
What Are the Requirements for VA Loan Programs? You have completed at least 90 days of active duty service. You have at least six years of service in the Reserves or National Guard . You have served at least 181 days of active duty service during peacetime.
Does Coast Guard get full military benefits? ›Coast Guard members and their families are entitled to pay, access to the base commissary and exchange, family assistance, health care, a generous leave policy, travel opportunities and if the Coast Guard becomes a career, retirement. Active duty members are paid twice a month.