VA loans offer options for service members - Ahwatukee Foothills News: Real Estate

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VA loans offer options for service members

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Posted: Saturday, July 12, 2014 9:52 am

Veterans can benefit from their service to our country with special mortgage financing options!

VA loans, for eligible active-duty service members and veterans, fit all kinds of homeownership needs. VA home loans have guidelines that make it easier to move into your dream home. These guidelines also provide for your loan balance and original terms to be transferred to qualified veteran and nonveteran homebuyers, which can be a selling point when it’s time to move.

Purchase your home, and as a VA loan customer, you may be able to:

• Make a low down payment or zero down payment.

• Use gift funds to cover prepaid and closing costs.

• Finance up to 100 percent of your purchase, including the VA funding fee.

VA loan customers may also refinance their current home with special options:

• Refinance up to 90 percent of your home’s appraised value.

• Lower your monthly mortgage payment with an interest-rate-reduction refinance loan.

• Get a loan term that fits your future plans.

• Access home equity funds to cover home improvements or other major expenses.

Low-cost VA loans have features to fit specific customer needs, including:

• A choice of fixed-rate terms.

• Temporary and permanent buy-down options.

• New construction financing.

• Financing for 2- to 4-unit properties.

You need to get the right resources to help you prepare for homeownership and feel more comfortable in today’s real estate market. Choosing a lender is as important as choosing a mortgage and a realtor. All need to work for you today and tomorrow. You should expect the best possible service to help you plan effectively, purchase confidentially and own successfully.

Lenders are getting creative for all homebuyers. You can find loan options for most kinds of home financing needs. Take advantage of these new lending programs to buy your first home, move up to a larger home to meet the demands of an ever-growing family or finally buy your dream home. Rates are on the rise and you need to find a way to get the home of your dreams now.

• Ahwatukee resident Stacey Lykins, MBA, is a Realtor with Ahwatukee-based West USA. Reach her at (602) 616-9971, or

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Keystone Montessori

[David Jolkovski/AFN]
Teacher Pily Pantoja helps Sarah Wang, 4, with the addition snake game at Keystone Montessori on Thursday, Sept. 4, 2014.

Keystone Montessori has come a long way since its founding in 1995. Back then it was operated out of the founder’s home before eventually moving on to rent rooms from Horizon Presbyterian Church. It was only in 2000 that they had gained a strong enough enrollment to move into the facility where they currently reside on Liberty Lane, just off Desert Foothills Parkway and across from the Ahwatukee Foothills Family YMCA.

The school services students as young as 18 years old, as part of their toddler program, and as old as ninth-graders. The current enrollment is around 320 students, who all have access to Spanish, music and arts programs in addition to the full Montessori curriculum.

“We provide an authentic Montessori education which focuses on the independence and whole development of the child, including academic as well as social and emotional growth,” said head of school Cindy Maschoff. “We want our students to become independent citizens of the world.”

The school will be taking the time to present the concept of Montessori education to the public Jan. 29 and 30. At the presentations the school will provide a clear understanding of what Montessori education looks like at each level of education. Those wanting to attend should plan on going to both meetings, with the Jan. 29 meeting going from 6-7 p.m. and the Jan. 30 meeting from 9 a.m. to 1 p.m. The meetings require attendees to RSVP, which can be done by emailing

For more information, visit

• Compiled by James Gingerich.

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