VA Loan Specialists

Your VA Home Loan, Purchase or Refinance

 
VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.

Other benefits of a VA loan include:

• Low interest rate, no points necessary 
• Closing costs comparable – and sometimes lower - than other financing types. Closing Costs can be paid by Seller or Interest Rate Rebate.
• No private mortgage insurance ever... Qualify for more house.
• Right to prepay loan without penalties
• Mortgage can be taken over (or “assumed”) by the buyer when a home is sold If another veteran.
• Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.
• 100% Cash-out refinance on current loan as long as current VA loan is being paid off or previously used. 

Although mortgage insurance is not required, the VA charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee may be paid in cash by the buyer or seller, or it may be financed (typical) in the loan amount. 

A VA loan can be used to buy a home, build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/ caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.

Veterans can apply for a VA loan with any mortgage lender that participates in the VA home loan program. A Certificate of Eligibility from the VA must be presented to the lender to qualify for the loan. 

Deciding to purchase a house or refinance a mortgage is a huge step. You can count on us to find the loan program that's best for you. We have a team of professionals who are eager to walk you through this important financial decision. For assistance in selecting the perfect loan program for your unique situation, you can call (562) 320-0510.

You will get a huge sense of accomplishment in purchasing a home that can exceed the frustration you might have had at the beginning of the process. You didn't look for a home that was perfect for anyone else; you looked for the home that was ideal for you! Our trusted professionals can help you pick the mortgage program that best fits your situation, too. Getting the best mortgage loan can be as rewarding as getting the keys to your new home! We can show you how to get there. Contact us at (562) 320-0510.

About Refinancing

If you worry that refinancing means filling out forms for hours on end, we have good news! "Less paperwork and more personal service" means you enter a headache-free zone from application to closing. If you are interested in improving your interest rate and monthly payment, we can guide you through the process and eliminate your anxiety.
If you'd like to pay down your balance more quickly for a comparable monthly payment, we can help. Let our professionals help you locate the ideal refinance loan! We are just one phone call away: (562) 320-0510.

You deserve great service

Our mortgage experts treat you right and give you the individual service you deserve. We realize the big commitment you are making in buying a new home, refinancing, or tapping into your equity. So we make the following promise to you: we will help you qualify, apply and be approved for the ideal mortgage for you.

What's next?

You'll find information on this website that will explain about us, how we can help you, and how to get things going. Or, you can call one of our mortgage professionals at (562) 320-0510. We are here to help with all of your home mortgage decisions.