First you need to understand that we are not connected with VA, HUD,
FHA, Fannie Mae or Freddie Mac. However, we do have over 30 years
experience in the mortgage industry.
Our years of experience have taught
us that most major problems occur during the purchase of a home because
people, including mortgage professionals, do not understand the
Guidelines are always changing and the information is
difficult to find on the FHA and VA web sites. This web site is only
intended to provide a basic understanding. If you need help finding
the official information on the VA site we will be glad to help point you
to the right link.
As a consumer you should understand that official VA
guidelines are the minimum requirements that must be met for VA to
guarantee your loan. The Lender has the prerogative to demand higher
standards and in today's market many do. The lender has the ultimate
authority and VA will not override higher standards.
As for us, Kale Enterprise, ... we don't sell anything and we no longer
originate loans of any kind. We do hope that this information will
be useful to you and if you have questions you can send us an email
and we will help you understand your options or point you to the
information that you request.
We would like to dedicate this site to all active duty military, guard,
reserves, coast guard and veterans. You do so much and get so
little. If we can help don't be afraid to ask.
God Bless you all ... and Thank you!
Disclaimer and Privacy
Kale Enterprise Team is not affiliated with any lender, broker or mortgage entity. Our advice is based on
years of lending experience as well as access to guidelines at Fannie Mae, Freddie Mac, HUD, VA and USDA. We hope you find this information helpful.
We do not share or sell your information to anyone. Your privacy is
very important to us.
We use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies,
We use third-party companies to serve ads and collect non-personally identifiable
information (e.g., the pages you visit, and which links you click, which ads you see
and click on, and the categories of search terms you enter) when you visit our web site.
These companies may use the information outlined above (which does not include your name,
address, email address or telephone number) about your visits to this and other web sites
in order to provide advertisements about goods and services of interest to you. These
companies often use a cookie or third party web beacon to collect this information.
If you would like more information about this practice and to know your choices about
not having this information used by these companies, click here (link to the NAI universal
Wishing you the best.
The Kale Enterprise Team