Lending for Active or Veteran Military


You’ve served our country. Now, let me help you obtain the best home loan possible. I love working with all prospective homeowners, and I feel a particular satisfaction when helping service members achieve their dream of home ownership.

What Is a VA Loan?

A VA loan helps military veterans, active service members and eligible surviving spouses buy a home. Because the U.S. Department of Veteran’s Affairs guarantees a portion of your mortgage, I can offer you favorable, affordable terms.

When you apply for a VA home loan, you’ll take advantage of several money-saving benefits. These loans frequently require no down payment and substantially lower closing costs.

Getting a VA loan also has the following benefits:

  • No penalties for prepayment
  • Because the loan is partially guaranteed, you won’t need private mortgage insurance
  • 100 percent financing available with full VA entitlement
  • Fixed- or adjustable-rate on your mortgage
  • VA financing fees can be rolled into the amount of your loan

Who Is Eligible for a VA Loan?


To confirm your eligibility for a VA loan, you’ll first need a Certificate of Eligibility (COE). Learn more about obtaining a COE on the VA’s website. Your eligibility depends on your duty status, length of service and other factors. My office can assist with your application.

The VA loan program includes several types of loans. I’ll help you choose the best option for your circumstances. Here’s an overview:

Adjustable-Rate Mortgage

This loan is often best for those who plan to relocate within a few years. ARMs have a lower introductory interest rate that may change after an initial period with a fixed-rate. The rate depends on market fluctuations and can increase or decrease.

Fixed-Rate Mortgage

With this type of loan, your rate remains the same for the full term of your loan. If you’re staying in a house for a long time, a fixed-rate mortgage gives you stability. You’re protected from rising rates. Terms of 30- and 15-years are available.

Get Started Today

I’ll guide you through the home financing process and clear up any confusion. Contact me today: 360-787-9362.

Cash-Out Refinance


For current homeowners, a cash-out refinance puts cash in your hand. Some people use these loans to pay off debt or make home improvements. With this loan, you replace your current mortgage with a loan for an amount higher than what you owe. The additional amount allows you to take cash out based on your home’s equity.

Benefits of this type of loan include:

  • Financing up to 90 percent for loans up to $417,000, with full VA entitlement
  • Replacement of an existing VA or non-VA mortgage with a cash-out refinance.
  • Fixed and adjustable-rate mortgage options.
  • Ability to pay for discount points and closing costs with proceeds from your loan, depending on your home’s equity.

Streamline Refinancing


You shouldn’t have to pay more than necessary on your mortgage loan. Current VA borrowers may qualify for lowered monthly mortgage payments with a VA streamline refinance loan. If you currently have an adjustable-rate mortgage (ARM), this could be an excellent opportunity to refinance.

Features and options include:

  • Refinancing of up to 100% of your home’s value.
  • The possibility of closing with no cash out of pocket. In this case, you may be able to roll your closing costs, funding fee, and prepaids into your current loan amount.
  • Reduced interest rates and fees.
  • Increased lending limits.
  • Reduced documentation, so you have less paperwork to manage.

If you’re a veteran or in active military service, you may qualify for benefits relating to your mortgage loans. Give me a call at360-787-9362. I look forward to discussing your options and helping you achieve your goals.

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