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Testimonials

  • Randy worked with my wife and I getting our mortgage on a new home in Florida. We negotiated with the home seller for an excellent price, but had to agree to a very (very) challenging closing date. Randy came through for us, we got an excellent mortgage, and closed a day earlier than required. He explained what was going on each step of the way, kept on top of the process to make sure it came together as required, I would recommend Randy to anyone.

    Allan Douglass,
     

  • Randy- I want to thank you for providing guidance and expertise to a loan process that has become near impossible for someone like us who invests in distressed properties and was crushed in the previous housing market crash. You were not only able to provide guidance you actually got results as our loan was completed in less than 4 weeks. Thank you.

    Steve Ramirez, Real Estate Developer
     

  • 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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