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VA Loans

Unlock Homeownership with VA Loans VA loans are your key to homeownership with exclusive benefits for veterans and active-duty military personnel. These loans require no down payment, offer competitive interest rates, and provide flexible eligibility criteria. Whether you’re a veteran or on active duty, VA loans make homeownership more accessible and affordable. Explore the advantages of VA loans and secure your dream home with ease.

VA MortgagesVA Loans | Purchase and Refinance Mortgages

VA loans are one among many loans offered to American home buyers. The loan awarding scheme started in 1944 and it was aimed at helping veterans (who had served in the army) to be able to purchase homes for themselves and for their families. [m id=”contact”]

What You Need To Be Eligible For VA Loans

To be eligible for the loan, you must be a veteran who has served the US government for a minimum of 90 days during wartime or has served the government for 181 days during the peacetime. In addition, the veteran must have a satisfactory credit history. i.e., the veteran must have borrowed money previously and repaid the borrowed money. The veteran applying for the loan should not be bankrupt. i.e., the veteran must be in a good financial situation. According to the pre-set rules, to qualify for the loan, the veteran must be two years out of chapter 7 or one year out of chapter 13 bankruptcies. In addition to bankruptcy, the veteran’s debt-to-income ratio should not be more than 41%.

How VA loans work

VA loans are among the few loans that don’t require a down payment. The loans guarantee a maximum of 25% of a mortgage that is between $104,250 and $417,000. The loans are made by private lenders such as banks, societies, and mortgage companies. The guarantee given by the loan means that the lender is protected against loss; therefore, if the borrower fails to repay the loan, the department for veteran affairs will repay the loan on behalf of the veteran. In addition, the guaranty given replaces the down payment that is usually required whenever one wants to buy property. Just like other types of mortgages, the closing costs are not included in the VA loan; therefore, the borrower must be aware of these costs. Although, the closing costs are not included in the loan, they can be included in the purchasing price of the property. In addition to the closing costs, veterans borrowing the loan should be aware of the funding fee that is required by law for non-down payment loans. Currently, the funding fee is 2.15% for the first time home buyers.  The fee increases to 3.3% for the previous home buyers.

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VA Home Loans

Advantages of VA Loans

The VA loans have several advantages. One of the prime advantages is that they allow you to purchase the property of your dreams without making a down payment. Another advantage is that the loans have a long service period (usually 15, 20, or even 30 years). This ensures that you can pay your loan with minimal stress. In addition, you can repay the mortgage at your convenient time without incurring pre-payment penalties. Finally, as long as you are a veteran, it’s easy to qualify for the loan. The loan requires only 620 credit scores to qualify for it.

Conclusion

Unlike other types of mortgages that are limited to the type of property that you can buy, the VA loans are versatile; you can use the loan to buy a townhouse, condominium, single family home or any other type of accommodation. In addition, you can take the loan to improve and furnish your current home. [m id=”tabs” topic=”Veterans VA”] [learn_more caption=”Lending Territories”] [m id=”lending-territories” service=”Veterans VA Loans”][/learn_more]

Program Details

Available for:
  • Purchase
  • Cash out refinance
  • Streamlined VA Interest Rate Reduction Refinance (IRRRL)*
Terms:     10, 15, 20, 25, 30 year fixed Eligible Borrowers:     Veterans, reservists, National Guard and surviving spouses who have not remarried. Check Eligibility (click here) Residence Types:
  • Primary residence only
  • 1 unit single family
  • VA approved condos and PUDs
  • Manufactured housing
Ineligible Property:
  • Investment properties
  • 2 – 4 unit properties
  • Second homes
  • Non-Approved Condos
  • New Construction (never been occupied)
  • Any property in a Coastal Barrier Area
Loan Amount:
  • 4x available entitlement – up to:
  • $417, 000 for purchases including financed funding fee
LTV:
  • 100% for Purchase
  • 100% for Rate / Term refinance
  • 90% for Cash Out refinance
  • 85% for Identity of Interest
  • 100% for IRRRL 640 – 719 FICO
  • 150% for IRRRL 660 – 720 FICO – 6 mo. post closing reserves
  • 150% for IRRRL 720+ FICO
Min FICO: 640 *IRRRL Streamline Refinance – 660 minimum qualifying score required when the LTV is greater than 100%. Max LTV/CLTV is 150%
VA Loans Highlights
VA Loans Requirements

What are VA Loans

At Custom Mortgage, all of VA Loans services are backed by a team of specialists who have years of experience in the commercial property financing industry.

How to Qualify for a VA Loans

To qualify for a VA Loansn mortgage, the borrower must meet certain criteria. Firstly, the borrower must already have an existing FHA loan and be current on all mortgage payments. The borrower must also have a minimum of six months’ payment history on the original FHA loan. Secondly, the borrower must demonstrate that the new loan will provide a net tangible benefit, which means that the new loan must result in a reduction of the principal, interest, and mortgage insurance payments by at least 5%. Thirdly, the borrower needs to complete the streamline refinance application and provide all the documentation required by the lender. Finally, the borrower must meet the lender’s credit and income requirements. Overall, qualifying for an FHA streamline mortgage can be a relatively simple process, as long as the borrower meets the above criteria and provides all the required documentation.

VA Loans Loan Territories

StateCityCounty
ALBirminghamJefferson
ALHuntsvilleMadison
ALMobileMobile
ALMontgomeryMontgomery
ALTuscaloosaTuscaloosa
AKAnchorageAnchorage Borough
AKFairbanksFairbanks North Star
AZChandlerMaricopa
AZGilbertMaricopa
AZGlendaleMaricopa
AZMesaMaricopa
AZPeoriaMaricopa
AZPhoenixMaricopa
AZScottsdaleMaricopa
AZSurpriseMaricopa
AZTempeMaricopa
AZTucsonPima
AZYumaYuma
ARFort SmithSebastian
ARLittle RockPulaski
CAAgoura HillsLos Angeles
CAAnaheimOrange County
CAAntiochContra Costa
CABakersfieldKern
CABerkeleyAlameda County
CABeverly HillsLos Angeles
CABurbankLos Angeles
CACalabasasLos Angeles
CACarlsbadSan Diego
CACarsonLos Angeles
CAChicoButte
CAChula VistaSan Diego
CAClovisFresno
CAComptonLos Angeles
CAConcordContra Costa
CACoronaRiverside
CACoronadoSan Diego
CACosta MesaOrange County
CADaly CitySan Mateo
CADowneyLos Angeles
CAEl CajonSan Diego
CAEl MonteLos Angeles
CAElk GroveSacramento
CAEscondidoSan Diego
CAFairfieldSolano
CAFontanaSan Bernardino
CAFremontAlameda
CAFresnoFresno
CAFullertonOrange
CAGarden GroveOrange
CAGlendaleLos Angeles
CAHaywardAlameda
CAHuntington BeachOrange
CAInglewoodLos Angeles
CAIrvineOrange
CALagunaOrange
CALancasterLos Angeles
CALong BeachLos Angeles
CALos AngelesLos Angeles
CAMalibuLos Angeles
CAMarina Del ReyLos Angeles
CAMillbraeSan Mateo
CAMission ViejoOrange
CAModestoStranislaus
CAMoreno ValleyRiverside
CAMurrietaRiverside
CANewportOrange
CANorwalkLos Angeles
CAOaklandAlameda
CAOceansideSan Diego
CAOntarioSan Bernardino
CAOrangeOrange
CAOxnardVentura
CAPalmdaleLos Angeles
CAPasadenaLos Angeles
CAPomonaLos Angeles
CARancho CucamongaSan Bernardino
CARancho Palos VerdesLos Angeles
CARialtoSan Bernardino
CARichmondContra Costa
CARiversideRiverside
CARolling Hills EstatesLos Angeles
CARosevillePlacer
CASacramentoSacramento
CASalinasMonterey
CASan BernardinoSan Bernardino
CASan DiegoSan Diego
CASan FranciscoSan Francisco
CASan JoseSanta Clara
CASan MateoSan Mateo
CASanta AnaOrange
CASanta BarbaraSanta Barbara
CASanta ClaraSanta Clara
CASanta ClaritaLos Angeles
CASanta CruzSanta Cruz
CASanta MariaSanta Barbara
CASan MarinoLos Angeles
CASanta MonicaLos Angeles
CASanta RosaSonoma
CASausalitoMarin
CASimi ValleyVentura
CASolana BeachSolano
CASouth GateLos Angeles
CAStocktonSan Joaquin
CASunnyvaleSanta Clara
CATemeculaRiverside
CAThousand OaksVentura
CATorranceLos Angeles
CAVacavilleSolano
CAVallejoSolano
CAVenturaVentura
CAVictorvilleSan Bernardino
CAVisaliaTulare County
CAVistaSan Diego
CAWest CovinaLos Angeles
CAWestlake VillageLos Angeles
CAWestminsterOrange
COArvadaJefferson
COAuroraDouglas
COBoulderBoulder
COCentennialArapahoe
COColorado SpringsEl Paso
CODenverArapahoe
COFort CollinsLarimer
COGreeleyWeld
COLakewoodJefferson
COLongmontBoulder
COPuebloPueblo
COThorntonAdams
COWestminsterAdams
CTBridgeportFairfield
CTHartfordHartford
CTNew HavenNew Haven
CTStamfordFairfield
CTWaterburyNew Haven
DEDewey BeachSussex
DEDoverKent
DENewarkNew Castle
DEMiddletonNew Castle
DENorth StarNew Castle
DERehoboth BeachSussex
DEWilmingtonNew Castle
FLBoca RatonPalm Beach
FLCape CoralLee
FLClearwaterPinellas
FLCoral SpringsBroward
FLDavieBroward
FLFort LauderdaleBroward
FLGainesvilleAlachua
FLHialeahMiami-Dade
FLHollywoodBroward
FLJacksonvilleDuval
FLLakelandPolk
FLMiami BeachMiami-Dade
FLMiami GardensMiami-Dade
FLMiamiMiami-Dade
FLMiramarBroward
FLOcalaMarion
FLOrlandoOrange
FLPalm BayBrevard
FLPalm BeachPalm Beach
FLPembroke PinesBroward
FLPincrestMiami-Dade
FLPlantationBroward
FLPompano BeachBroward
FLPort Saint LucieSaint Lucie
FLSaint PetersburgPinellas
FLSunriseBroward
FLTallahasseeLeon
FLTampaHillsborough
FLWest Palm BeachPalm Beach
GAAthens-ClarkeClarke
GAAtlantaFulton
GAAugustaAugusta-Richmond
GAColumbusMuscogee
GARoswellFulton
GASandy SpringsFulton
GASavannahChatham
HIHonoluluHonolulu
IDBoiseAda
ILAuroraKane
ILChicagoCook
ILElginKane
ILJolietKendall
ILNapervilleDuPage
ILPeoriaPeoria
ILRockfordWinnebago
ILSpringfieldSangamon
ILWaukeganLake
INFort WayneAllen
INIndianapolisMarion
IACedar RapidsLinn
IADavenportPolk
IADes MoinesPolk
KSOverland ParkJohnson
KSWichitaSedgwick
KYLexingtonFayette
KYLouisvilleJefferson
LABaton RougeMarshall
LANew OrleansOrleans Parish
LAShreveportCaddo Parish
MEPortlandCumberland
MDBaltimoreBaltimore
MABostonSuffolk
MABrocktonPlymouth
MACambridgeMiddlesex
MAFall RiverBristol
MALowellMiddlesex
MALynnEssex
MANew BedfordBristol
MAQuincyNorfolk
MASpringfieldHampton
MAWorcesterWorcester
MIAnn ArborWashtenaw
MIDearbornWayne
MIDetroitWayne
MIFlintGenesee
MIGrand RapidsKent
MILansingIngham
MILivoniaWayne
MISterling HeightsMacomb
MIWarrenMacomb
MNMinneapolisHennepin
MNSaint PaulRamsey
MSJacksonHinds
MOKansas CityWyandotte
MOSpringfieldGreene
MOSaint LouisSaint Louis
MTBozemanGallatin
NELincolnLancaster
NEOmahaDouglas
NVHendersonClark
NVLas VegasClark
NVNorth Las VegasClark
NVRenoWashoe
NHManchesterHillsborough
NJElizabethUnion
NJJersey CityHudson
NJNewarkEssex
NJPatersonPassaic
NMAlbuquerqueBernalillo
NYAlbanyAlbany
NYBuffaloErie
NYNew YorkNew York
NYRochesterMonroe
NYYonkersWestchester
NCCaryChatham
NCCharlotteMecklenburg
NCDurhamDurham
NCFayettevilleCumberland
NCGreensboroGuilford
NCHigh PointGuilford
NCRaleighWake
NCWilmingtonNew Hanover
NCWinston-SalemForsyth
NDWillistonWilliams
OHAkronSummit
OHCincinnatiHamilton
OHClevelandCuyahoga
OHColumbusFranklin
OHDaytonMontgomery
OHToledoLucas
OKBroken ArrowTulsa
OKNormanCleveland
OKOklahoma CityOklamhoma
OKTulsaTulsa
ORBeavertonWashington
OREugeneLane
ORGreshamMultnomah
ORHillsboroWashington
ORPortlandMultnomah
ORSalemMarion
PAAllentownLehigh
PAErieErie
PAPhiladelphiaCentre
PAPittsburghAllenheny
RIProvidenceProvidence
SCCharlestonCharleston
SCNorth CharlestonBerkleley
SDSioux FallsMinnehaha
TNKnoxvilleKnox
TNMemphisShelby
TNMurfreesboroRutherford
TNNashvilleDavidson
TXAllenCollin
TXAmarilloPotter
TXArlingtonTarrant
TXAustinTravis
TXCarrolltonDallas
TXCorpus ChristiNueces
TXDallasDallas
TXDentonDenton
TXEl PasoEl Paso
TXFort WorthTarrant
TXFriscoCollin
TXGarlandDallas
TXGrand PrairieDallas
TXHoustonHarris
TXIrvingDallas
TXLaredoWebb
TXMcKinneyCollin
TXMesquiteDallas
TXPlanoCollin
TXRichardsonDallas
TXSan AntonioBexar
UTSalt Lake CitySalt Lake
VTBurlingtonAlamance
VAAlexandriaFairfax
VAChesapeakeChesapeake
VAHamptonElizabeth City
VANewport NewsWarwick
VANorfolkNorfolk
VAPortsmouthPortsmouth
VARichmondChesterfield
VARoanokeRoanoke
VAVirginia BeachVirgina Beach
WABellevueKing
WAEverettSnohomish
WAFederal WayKing
WAKentKing
WARentonKing
WASeattleKing
WASpokane ValleySpokane
WASpokaneSpokane
WATacomaPierce
WAVancouverClark
WAWashington, D.C.Washington
WAYakimaFerguson
WVCharlestonKanawha
WIGreen BayBrown
WIKenoshaKenosha
WIMadisonDane
WIMilwaukeeMilwaukee
WYGilletteCampbell

VA Loans

Unlock Homeownership with VA Loans VA loans are your key to homeownership with exclusive benefits for veterans and active-duty military personnel. These loans require no down payment, offer competitive interest rates, and provide flexible eligibility criteria. Whether you’re a veteran or on active duty, VA loans make homeownership more accessible and affordable. Explore the advantages of VA loans and secure your dream home with ease.

Advantages for Hard Money Loans?

One of the main advantages of hard money loans is that they can be obtained quickly and easily, often in as little as a few days. This is because hard money lenders are primarily focused on the value of the property, rather than the borrower’s creditworthiness or income. As a result, hard money loans are often used by real estate investors who need to secure funding quickly, such as in the case of a fix and flip or a short sale.

Another advantage of hard money loans is that they can be used for a wide variety of property types and purposes. This includes single-family homes, multi-unit properties, commercial properties, and even land. Additionally, hard money loans can be used for both purchase and refinance transactions, as well as for construction and renovation projects.

While hard money loans can be a useful tool for real estate investors, they do come with some drawbacks. One of the main disadvantages is that they typically have higher interest rates and fees than traditional loans. This is because hard money loans are considered to be higher risk for the lender, and as a result, they charge higher rates to compensate for this risk.

Another disadvantage of hard money loans is that they typically have shorter terms than traditional loans. Most hard money loans have terms of just 1-2 years, which can make it difficult for borrowers to hold onto the property for a longer period of time. Additionally, hard money loans are typically only issued for a percentage of the property’s value, usually around 60-70%.

Despite these drawbacks, hard money loans can be a valuable tool for real estate investors. If you are considering a hard money loan, it’s important to do your research and find a reputable lender with competitive rates and terms. Additionally, it’s important to have a clear plan in place for how you will use the loan proceeds and how you will exit the investment. With the right lender and the right plan, a hard money loan can be a valuable tool for achieving your real estate investment goals.

In conclusion, hard money loans are a type of alternative financing that can be used for real estate investment opportunities. They are issued by private investors or companies and are based primarily on the value of the property being used as collateral.

One of the main advantages of hard money loans is that they can be obtained quickly and easily, often in as little as a few days. Additionally, hard money loans can be used for a wide variety of property types and purposes. However, hard money loans typically have higher interest rates and fees than traditional loans, and have shorter terms. Borrowers should carefully consider their options and have a clear plan in place before committing to a hard money loan.

These loans are ideal for the people who are credit impaired. This is because, as long as you have good collateral, the hard loan lenders will offer you a loan even if you are bankrupt.
These loans are ideal for those who want funds quickly—this is because the loans close quickly.

The loans are also ideal for the foreign nationals who will not be given loans in other institutions since they are non-citizens of a given country.

Hard money loans have several advantages:

One great advantage is that the loans are easier to access; therefore, if you don’t meet the qualifications of the conventional lender, you can easily access the loan without undergoing rigorous paperwork.

  • Immediate Decision. Same Day Approvals
  • Funding in 72 Hours once we have a complete loan file
  • Loans Focused On Your Equity, Not Your Credit
  • Flexible Terms To Fit Your Needs
  • Less Paperwork than conventional Loans
  • Decision based on value of your asset, not your credit
  • No Income Check loan programs available
  • Low FICO and Credit Problems OK
  • Foreclosure, Bankruptcy OK

 

If you have a bad credit history but you have a good property to offer as collateral, then you should consider taking hard money loans. You no longer have to wallow in self pity because you have a not-so-good credit history.

Different loan types to suite your need

Stated Income Loans Fix and Flip Residential Construction
MAX LTV 80%
MAX LTV 80%
MAX LTC 90%
ALL PROPERTY TYP
MAX LTC 90%
MIN Experience 5 projects
MIN Loan amount 100k
MIN Loan amount 100k
MIN Loan Amount 100k

Unlock a world of possibilities, fulfill your future plans today

Hard money loans or Private Capital Mortgages are a particular kind of asset-based loan funding with which a customer gets funds secured by the value of real estate rather than based on income and credit. It offers the borrower an alternative to the common mortgage programs or conventional lenders. The most common use of these loans are with fix & flips and short term financing needs. The hard money loans that we offer are raised through small personal investors, hedge funds, and other private institutions.
Our hard money loans are not based on the borrowers credit worthiness but, rather, on the asset/property. Because of the risk taken by the loan providers, interest rates are usually higher than the average home loans. Our products have shorter terms and are normally for 6 months to 5 years, with interest only options and are not meant to be a long term financing solution.

Custom Mortgage Hard Money Loan Programs Include the following main program:

Residential Hard Money Loans

  • 1-4 Unit Residential Properties including Condos, townhouses, apartment homes, and other unique properties.
  • Minimum Loan Amount: $100,000.00
  • Maximum Loan Amount: $100,000,000.00
  • Minimum Property Value: 135,000.00
  • Maximum LTV: 80%
  • Loan Terms: 6 months to 30 Year Fixed
  • Occupancy: Owner and Non Owner Occupancy
  • Interest Rate from 5.99% – 15.99%
  • Prepayment Penalty Options: None, 6 months, 1 year, 3 years, and 5 years
  • Title: Individual or non living entities (Corp, LLC, Trusts, etc)
  • Cross collateral transactions are allowed
  • Blanket Loan options
  • Rural properties are allowed

Small Balance Commercial Loan Program

  • Loans from $250,000 to $5,000,000
  • No upfront fees are required
  • Rates Starting from 6%
  • LTVs to 80%
  • Same day term sheets issued
  • No tax return programs for investors and business owners
  • Property types:
    • multifamily
    • mixed-use
    • office, retail
    • warehouse, industrial
    • mobile home parks
    • self storage
    • auto-service
    • daycare
    • restaurants
    • bars
    • and more

Fix and Flip / Fix and Hold

  • Property Types: Residential and Commercial
  • LTV up to 90% on Purchase and Rehab Funds
  • Rates starting from 6.99%
  • Loan Amount from 100k – 5 million
  • No upfront fees are required
  • Loans up to 48 months

Hard Money & Commercial Loan Territories

StateCityCounty
ALBirminghamJefferson
ALHuntsvilleMadison
ALMobileMobile
ALMontgomeryMontgomery
ALTuscaloosaTuscaloosa
AKAnchorageAnchorage Borough
AKFairbanksFairbanks North Star
AZChandlerMaricopa
AZGilbertMaricopa
AZGlendaleMaricopa
AZMesaMaricopa
AZPeoriaMaricopa
AZPhoenixMaricopa
AZScottsdaleMaricopa
AZSurpriseMaricopa
AZTempeMaricopa
AZTucsonPima
AZYumaYuma
ARFort SmithSebastian
ARLittle RockPulaski
CAAgoura HillsLos Angeles
CAAnaheimOrange County
CAAntiochContra Costa
CABakersfieldKern
CABerkeleyAlameda County
CABeverly HillsLos Angeles
CABurbankLos Angeles
CACalabasasLos Angeles
CACarlsbadSan Diego
CACarsonLos Angeles
CAChicoButte
CAChula VistaSan Diego
CAClovisFresno
CAComptonLos Angeles
CAConcordContra Costa
CACoronaRiverside
CACoronadoSan Diego
CACosta MesaOrange County
CADaly CitySan Mateo
CADowneyLos Angeles
CAEl CajonSan Diego
CAEl MonteLos Angeles
CAElk GroveSacramento
CAEscondidoSan Diego
CAFairfieldSolano
CAFontanaSan Bernardino
CAFremontAlameda
CAFresnoFresno
CAFullertonOrange
CAGarden GroveOrange
CAGlendaleLos Angeles
CAHaywardAlameda
CAHuntington BeachOrange
CAInglewoodLos Angeles
CAIrvineOrange
CALagunaOrange
CALancasterLos Angeles
CALong BeachLos Angeles
CALos AngelesLos Angeles
CAMalibuLos Angeles
CAMarina Del ReyLos Angeles
CAMillbraeSan Mateo
CAMission ViejoOrange
CAModestoStranislaus
CAMoreno ValleyRiverside
CAMurrietaRiverside
CANewportOrange
CANorwalkLos Angeles
CAOaklandAlameda
CAOceansideSan Diego
CAOntarioSan Bernardino
CAOrangeOrange
CAOxnardVentura
CAPalmdaleLos Angeles
CAPasadenaLos Angeles
CAPomonaLos Angeles
CARancho CucamongaSan Bernardino
CARancho Palos VerdesLos Angeles
CARialtoSan Bernardino
CARichmondContra Costa
CARiversideRiverside
CARolling Hills EstatesLos Angeles
CARosevillePlacer
CASacramentoSacramento
CASalinasMonterey
CASan BernardinoSan Bernardino
CASan DiegoSan Diego
CASan FranciscoSan Francisco
CASan JoseSanta Clara
CASan MateoSan Mateo
CASanta AnaOrange
CASanta BarbaraSanta Barbara
CASanta ClaraSanta Clara
CASanta ClaritaLos Angeles
CASanta CruzSanta Cruz
CASanta MariaSanta Barbara
CASan MarinoLos Angeles
CASanta MonicaLos Angeles
CASanta RosaSonoma
CASausalitoMarin
CASimi ValleyVentura
CASolana BeachSolano
CASouth GateLos Angeles
CAStocktonSan Joaquin
CASunnyvaleSanta Clara
CATemeculaRiverside
CAThousand OaksVentura
CATorranceLos Angeles
CAVacavilleSolano
CAVallejoSolano
CAVenturaVentura
CAVictorvilleSan Bernardino
CAVisaliaTulare County
CAVistaSan Diego
CAWest CovinaLos Angeles
CAWestlake VillageLos Angeles
CAWestminsterOrange
COArvadaJefferson
COAuroraDouglas
COBoulderBoulder
COCentennialArapahoe
COColorado SpringsEl Paso
CODenverArapahoe
COFort CollinsLarimer
COGreeleyWeld
COLakewoodJefferson
COLongmontBoulder
COPuebloPueblo
COThorntonAdams
COWestminsterAdams
CTBridgeportFairfield
CTHartfordHartford
CTNew HavenNew Haven
CTStamfordFairfield
CTWaterburyNew Haven
DEDewey BeachSussex
DEDoverKent
DENewarkNew Castle
DEMiddletonNew Castle
DENorth StarNew Castle
DERehoboth BeachSussex
DEWilmingtonNew Castle
FLBoca RatonPalm Beach
FLCape CoralLee
FLClearwaterPinellas
FLCoral SpringsBroward
FLDavieBroward
FLFort LauderdaleBroward
FLGainesvilleAlachua
FLHialeahMiami-Dade
FLHollywoodBroward
FLJacksonvilleDuval
FLLakelandPolk
FLMiami BeachMiami-Dade
FLMiami GardensMiami-Dade
FLMiamiMiami-Dade
FLMiramarBroward
FLOcalaMarion
FLOrlandoOrange
FLPalm BayBrevard
FLPalm BeachPalm Beach
FLPembroke PinesBroward
FLPincrestMiami-Dade
FLPlantationBroward
FLPompano BeachBroward
FLPort Saint LucieSaint Lucie
FLSaint PetersburgPinellas
FLSunriseBroward
FLTallahasseeLeon
FLTampaHillsborough
FLWest Palm BeachPalm Beach
GAAthens-ClarkeClarke
GAAtlantaFulton
GAAugustaAugusta-Richmond
GAColumbusMuscogee
GARoswellFulton
GASandy SpringsFulton
GASavannahChatham
HIHonoluluHonolulu
IDBoiseAda
ILAuroraKane
ILChicagoCook
ILElginKane
ILJolietKendall
ILNapervilleDuPage
ILPeoriaPeoria
ILRockfordWinnebago
ILSpringfieldSangamon
ILWaukeganLake
INFort WayneAllen
INIndianapolisMarion
IACedar RapidsLinn
IADavenportPolk
IADes MoinesPolk
KSOverland ParkJohnson
KSWichitaSedgwick
KYLexingtonFayette
KYLouisvilleJefferson
LABaton RougeMarshall
LANew OrleansOrleans Parish
LAShreveportCaddo Parish
MEPortlandCumberland
MDBaltimoreBaltimore
MABostonSuffolk
MABrocktonPlymouth
MACambridgeMiddlesex
MAFall RiverBristol
MALowellMiddlesex
MALynnEssex
MANew BedfordBristol
MAQuincyNorfolk
MASpringfieldHampton
MAWorcesterWorcester
MIAnn ArborWashtenaw
MIDearbornWayne
MIDetroitWayne
MIFlintGenesee
MIGrand RapidsKent
MILansingIngham
MILivoniaWayne
MISterling HeightsMacomb
MIWarrenMacomb
MNMinneapolisHennepin
MNSaint PaulRamsey
MSJacksonHinds
MOKansas CityWyandotte
MOSpringfieldGreene
MOSaint LouisSaint Louis
MTBozemanGallatin
NELincolnLancaster
NEOmahaDouglas
NVHendersonClark
NVLas VegasClark
NVNorth Las VegasClark
NVRenoWashoe
NHManchesterHillsborough
NJElizabethUnion
NJJersey CityHudson
NJNewarkEssex
NJPatersonPassaic
NMAlbuquerqueBernalillo
NYAlbanyAlbany
NYBuffaloErie
NYNew YorkNew York
NYRochesterMonroe
NYYonkersWestchester
NCCaryChatham
NCCharlotteMecklenburg
NCDurhamDurham
NCFayettevilleCumberland
NCGreensboroGuilford
NCHigh PointGuilford
NCRaleighWake
NCWilmingtonNew Hanover
NCWinston-SalemForsyth
NDWillistonWilliams
OHAkronSummit
OHCincinnatiHamilton
OHClevelandCuyahoga
OHColumbusFranklin
OHDaytonMontgomery
OHToledoLucas
OKBroken ArrowTulsa
OKNormanCleveland
OKOklahoma CityOklamhoma
OKTulsaTulsa
ORBeavertonWashington
OREugeneLane
ORGreshamMultnomah
ORHillsboroWashington
ORPortlandMultnomah
ORSalemMarion
PAAllentownLehigh
PAErieErie
PAPhiladelphiaCentre
PAPittsburghAllenheny
RIProvidenceProvidence
SCCharlestonCharleston
SCNorth CharlestonBerkleley
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TNMemphisShelby
TNMurfreesboroRutherford
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TXAustinTravis
TXCarrolltonDallas
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TXDallasDallas
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