Your Roadmap to Homeownership β€” Built for Veterans & First-Time Buyers

by Keith & Sheila Campbell

πŸͺ– Veteran-Focused πŸŽ₯ Live on Zoom πŸ•’ 1 Hour

Your Roadmap to Homeownership — Built for Veterans & First-Time Buyers

Free Zoom seminar covering the Texas Home Buyer Roadmap, VA Loan Entitlement (0% down, no PMI), and how to go from dreaming to consultation to keys without making first time buyer costly mistakes.

 

 

First-Time Home Buyer Zoom Seminar

Presented by: Keith & Sheila Campbell, REALTORS® | LPT Realty

Special Guest: Tyler Carlson, Loan Officer – UMortgage

Date: Thursday, November 6, 2025

πŸ“… Thu, Nov 6, 2025⏰ 6:30 – 7:30 PM CSTπŸ“ Virtual (Zoom)
FAQs

First-Time & VA Buyer FAQs

First-Time Buyers

How much cash do I need to buy a home as a first-time buyer?
Down payment requirements vary by loan (3%–5% for many conventional options, 3.5% for FHA). You’ll also want to budget ~2%–4% of the purchase price for closing costs. We’ll show you strategies for down payment assitance, seller credits, and seller concessions to reduce cash-to-close.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on self-reported info. A pre-approval verifies income, assets, and credit with documentation. We recommend a full underwritten pre-approval before you shop to strengthen your offer.
What credit score do I need?
Typical minimums start around the mid-600s for conventional and 520 for many FHA programs, but lender overlays vary. Higher scores can lower your rate and mortgage insurance. We’ll connect you with lenders who can roadmap improvements if needed.
What’s the timeline from offer to keys?
Most financed purchases close in ~25–35 days. New construction and certain loan types can vary. We coordinate inspections, appraisal, title, and underwriting to keep you on track.
Inspection vs. appraisal—what’s the difference?
An inspection evaluates condition and safety for your knowledge; an appraisal determines market value for the lender. We recommend both—and we’ll help you interpret results and negotiate repairs.

Ready to Secure Your Spot? Get Your FREE Ultimate Home Buyers Guide When You Attend This Seminar!

Join us Thursday, November 6th at 6:30 PM CST for our First-Time & Veteran Home Buyer Zoom Seminar.
Seats are limited — reserve your free spot today!

Loading countdown...
🎟️ Click HERE to Register on Zoom

VA Buyers

Do VA loans really require $0 down?
Yes—eligible Veterans can purchase with no down payment up to their entitlement limits. You’ll still have funding fee and closing costs, but we often structure seller credits to reduce them. There’s no monthly PMI on VA loans. Veterans with service connected disability rating pay no funding fee!
How do I prove eligibility (COE) and entitlement?
Our lender can retrieve your Certificate of Eligibility (COE) electronically in minutes in most cases. You may need your DD-214 (separated) or a Statement of Service (active duty). We’ll help your lender secure it early.
What is the VA Funding Fee—and can it be waived?
The VA Funding Fee is a one-time cost that can be financed. It’s waived for many Veterans with a qualifying disability rating (and some other cases, e.g., surviving spouses). We’ll confirm your status with the lender.
Are VA appraisals harder to pass?
VA appraisals check value and basic Minimum Property Requirements (safety, sanitation, structural soundness). We screen properties for likely issues and negotiate solutions if repairs are needed.
Can I buy while PCSing to JBSA?
Absolutely. We routinely help active-duty families time closings around PCS dates with power-of-attorney options, remote signings, and on-site inspections we attend on your behalf.

Ready to Secure Your Spot? Get Your FREE Ultimate Home Buyers Guide When You Attend This Seminar!

Need answers specific to your situation? πŸ“… Book a 1:1 Buyer Consultation

Keith & Sheila Campbell

"Words cannot express our gratitude and thankfulness that Keith provided us when buying our home. Being a military family and not being able to physically be there is beyond challenging buying a house unseen. He made this whole process so pleasant and easy, always easing our minds because he had our complete best interests in his hands. He took the time to send videos, pictures, and did several walk-through of the home to make us feel like we were there. You can easily tell Keith has years of experience , always answering questions and helping us every step of the way! He was extremely helpful in guiding us through the process of buying our home, and making sure that everything was taken care of promptly and correctly. He has been nothing but extremely responsive and excellent since the first phone call! Keith is incredibly knowledgeable, a go-getter, and super professional. We truly sat in passenger seat and let Keith do the driving. He went above and beyond to find the perfect home for us. There's not another realtor out there that could've provided us with the ease and comfort knowing we were making all the right decisions! Keith and Sheila have our highest recommendation, and we wouldn’t ever want to work with any other agent. We will refer our friends and family to Keith and Sheila Realty again and again!" Nicole Olson - 2024

GET MORE INFORMATION

Name
Phone*
Message