Six years in the Navy, years of VA transactions, and Kirtland Air Force Base relocations. David knows the timeline you are actually on.
David Stafford served six years in the United States Navy before spending seven years at Sandia National Laboratories and opening his own brokerage. He works regularly with veterans, active duty service members and military families using VA financing in the Albuquerque area, including buyers relocating to Kirtland Air Force Base, and he offers a military discount.
A PCS is not a normal home purchase. The report date is fixed, the house hunting trip is short or nonexistent, and the decision has to be made with incomplete information from another time zone. That is a different job than helping a local family upsize on their own schedule, and it should be handled by someone who has lived it.
On the sell side, the same applies in reverse. If you are leaving Albuquerque on orders, the full-service operation matters more than usual: repairs, clear-out, cleaning, staging and showings all handled while you are already gone.
| Down payment | Generally none required for eligible borrowers with full entitlement. |
|---|---|
| Mortgage insurance | None. This alone can be worth hundreds of dollars a month versus a comparable conventional loan. |
| Funding fee | A one-time fee that can be financed, and is waived for many veterans with a service-connected disability rating. |
| Reuse | Entitlement can be restored after a sale, and in some cases a second VA loan can be held simultaneously. |
| Appraisal | VA appraisals include minimum property requirements. Knowing them in advance keeps them from becoming a surprise late in escrow. |
| Eligibility | Based on service record and confirmed by a Certificate of Eligibility. David can point you to lenders who pull it quickly. |
Financing terms and fees change. Confirm current figures with your lender and the VA before you rely on them.
Yes. He served six years in the United States Navy and works regularly with veterans, active duty service members and families using VA financing, including buyers relocating to Kirtland Air Force Base. He also offers a military discount.
A VA loan is a mortgage guaranteed by the Department of Veterans Affairs, available to eligible service members, veterans and certain surviving spouses. It generally requires no down payment and no private mortgage insurance, which makes it one of the strongest financing tools available in the market. Eligibility depends on your service record and is confirmed with a Certificate of Eligibility.
Yes. VA entitlement can be restored after a sale and paid-off loan, and in some cases you can hold more than one VA loan at a time using remaining entitlement. This comes up often with service members who bought at a previous duty station and are PCSing to Kirtland.
New Mexico offers a property tax exemption for qualifying veterans, with a larger exemption for veterans with a service-connected disability rating. The amounts and qualification rules have been updated in recent years, so confirm current figures with the county assessor. In Albuquerque that is the Bernalillo County Assessor.
Faster than a standard timeline, because the constraint is understood rather than explained. David coordinates showings remotely, can run the process paperless if you have not arrived yet, and structures offers around a report date rather than a preference.
Yes, routinely. Some listing agents still carry outdated assumptions about VA appraisals and repair requirements, which is exactly why the way the offer is written and presented matters. A broker who understands VA financing can neutralize that objection before it costs you the house.
Tell him the report date and he will build the timeline backwards from it.
