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Testimonials

  • “Randy is the consummate experienced, creative and dedicated mortgage professional. His financial background provides him with an attention to detail that is matched only by his enthusiasm for the task at hand. Randy brings a passion with him every day that is infectious among his clients and serves as a motivating force for the referrals he deserves.”

    Andrew Makely,
     
  • Randy, VERY, very nice job on the newsletter! I feel like you are definitely providing a very well thought out big-picture view of these big issues.

    Aaron Griffith, United State Air Force
     
  • Hi Randy, keep up the great work. It is great reading your informative publication. Thank you, all the best.

    Justin Sarafin,
     
 
 
 

We provide home loans to homeland heroes

Find out why thousands of people are using their VA Loan benefit every single month. Allow us to help you lower your monthly payment, lower your interest rate and purchase a home with $0 down.

Purchase with $0 Down

A VA Loan is one of the only loan programs that still allows the borrower to finance 100% of the home's value and purchase with $0 down. Now more than ever banks are requiring large down payments for conventional loans. In many cases they require 10-20% down, putting home ownership out of reach for many prospective buyers.

Lower Your Monthly Payment

A VA Loan offers two benefits that will substantially lower your monthly payment. PMI, or private mortgage insurance is not required on a VA loan. PMI is an added monthly expense required for conventional loans where the borrower finances more than 80% of the home's value.

Interest rates are also lower with a VA Loan, typically 0.5%-1.0% lower than a conventional loan. A lower rate combined with monthly PMI savings can substantially lower your monthly payment.

Getting Qualified is Easier

The qualification guidelines are less stringent for VA Loans. Because the loan is backed by the government, banks have relaxed the often strict lending rules for VA Loan applicants making them easier to obtain.

 
 

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