Unlock the Benefits of VA Loans with Expert Guidance

VA Loans: The Best All-Around Mortgage Option

VA loans are the best all-around mortgage out there. They offer the best rates of any loan program, 0% down, and no PMI. What’s not to love? They also have the most relaxed debt-to-income requirements of any traditional mortgage, which, I won’t lie, makes my life easier as well. Additionally, if you have a disability rating of 10% or greater, you don’t even have to pay the VA fee.

VA Loan Basics

It’s important to note that the VA doesn’t directly lend money; instead, it guarantees the loans. This guarantee allows approved lenders like myself to provide you with a VA loan, and they just insure it. There are NO military direct lenders. We all originate under the VA’s rules, but none of us are tied to them any more than the others. Also, despite what the VA website says, don’t worry about obtaining your Certificate of Eligibility; I have access to the VA portal and will handle this for you—it’s quicker and faster this way. The same goes if have a service connected disability; I can get your disability rating and disability income confirmed directly through the VA portal.

VA Loan Uses

Purchase: You can use a VA loan to purchase a property. There is no loan limit if you aren’t currently using any of your VA loan entitlement. Want a $2 million house with 0% down? I can do that. If you want to finance multiple properties, there are some calculations to see what you have left to use that I can help you with.

Refinance: You can also use them to do a cash-out refinance and pull equity out, as well as an IRRRL, which stands for Interest Rate Reduction Refinance Loan. It’s a streamlined process to refinance to lower your interest rate that doesn’t require all the same underwriting or an appraisal. This is a killer perk for VA loans.

Why Choose Me, a Broker, for Your VA Loan?

As a dedicated mortgage broker passionate about serving those who’ve served us, I’ve observed substantial benefits of using a broker for VA loans over direct lenders and banks:

• Substantially Better Pricing and Fees: Although you never see it directly, we brokers are legally capped at 3% backend compensation. Direct lenders don’t have this cap and often run 5-6% on the backend. You see this as a difference in pricing between us and them, which translates to massive savings on your closing costs. You wouldn’t choose to pay a realtor twice the going rate of 2.5-3%, so why pay your lender twice as much for the same end result?
• Personalized Service: Full transparency—I get paid more than a retail loan officer, yet you pay less. What this means is you get a loan officer who has more time to fully take care of you and give you the one-to-one service you deserve. You’re not just a number on a folder on a bank LO’s desk. Purchasing a home is a huge investment, and something you don’t do often. I highly suggest you shop your rate and loan officers; that helps me ensure that you can see firsthand the difference between my team and the competition.

Beware of Deceptive Lenders and Misconceptions

It’s crucial to clear up a common misunderstanding about VA loans:

• Affiliation Misunderstandings: Popular companies like Veterans United (actually named Mortgage Express LLC) and Veterans Lending Group (CrossCountry Mortgage) have ZERO affiliation with the DOD and VA. They use the term “Veteran” in regard to their experience in the lending field, not the military. That is the loophole they operate under. Their business model is the opposite of ours. They charge much more and rely on their robust marketing budget to bring in veterans who may not know any better, assuming these companies are somehow linked to the VA. Unfortunately, those individuals also tend not to shop their rates and end up getting taken advantage of. Please shop your rate with us if you are talking to any direct lenders or banks, but especially these types. It takes 5 minutes for you to see what you can save with us.

Why I Specialize in VA Loans

I focus on VA loans because they align with my commitment to providing the best terms for veterans. I want you to be empowered to make your own financial decisions by getting accurate, helpful information, whether that means using me or not. You worked hard for your benefits, and I want to help you utilize them to the best of your ability.

Your Path to Homeownership

While navigating the VA loan process might seem complex, with my guidance, it becomes a straightforward journey to owning your home. At Bend Mortgage Brokers, we do more than process loans; we build lasting relationships and help you invest in your future.

Get Started Today

Interested in exploring your VA loan options? Contact me directly via text or call at 541-359-7212 or email me at Matt@BendMortgageBrokers.com. Let’s turn your dream home into a reality!

Matt Boytz
Direct: 541-359-7212
Office: 541-972-8616
NMLS 1294957
NMLS 2552455
Matt@BendMortgageBrokers.com
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www.BendMortgageBrokers.com