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About Home Loans. VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms. Your length of service or service commitment, duty status and character of service determine your eligibility for specific home loan benefits.

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She opened the Winston Salem branch of Fairway Independent Mortgage with her business partner, Bill Reynolds, in 2007. Ruth and Bill now have branches in Greensboro, Fayetteville, Pinehurst, and Jacksonville, and serve as the in-house mortgage lender for Members Credit Unions across North Carolina.

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A representative example of the total cost of the loan, including all applicable fees is as follows (THE FOLLOWING IS AN EXAMPLE AND IS NOT AN OFFER OF CREDIT): $1,500 loan, loan fee, and monthly payments of $97.82 for 20 months which results in an annual percentage rate of 32.1%. In this example, the total amount paid to Time Financing.