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  • Hi Randy, keep up the great work. It is great reading your informative publication. Thank you, all the best.

    Justin Sarafin,
  • Randall worked with my grandparents on a re-fi for their condo. What really impressed us was his patient, knowledge of the mortgage industry and his ability to think out of the box. He kept us informed all along the process and quickly got the work done! I highly recommend him for his work ethic and honesty. Top qualities: Great Results, Expert, High Integrity

    Rob Koebel,
  • Thanks Randy, your newsletters are always great!

    Nancy Squittieri, Bank of America

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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