VA Rate Reduction Loan 

“You served your country, let us now serve you” 

As a Veteran with an existing VA loan, you qualify for:

No Appraisal needed.  Equity does not matter on this VA refinance loan.

No Fico score required. No credit score required.

Credit History is not a factor. Bumpy credit does not prevent an approval.

No income documentation at all. Even if you had a spouse that lost their job.

No out of pocket fee’s to refinance.

Do not have to be an active veteran. Can be a retired veteran or reservist.

Also available for a surviving spouse of a Veteran

** Since the VA has to guarantee the loan on the current interest rate you have, if we

can lower your interest rate, the Department of Veteran Affairs will allow an Interest

Rate Reduction Loan. Because the VA is already guaranteeing your loan to the lender

by helping you lower your monthly payment it lowers their risk factor. So it’s a

“Win / Win” situation for the VA and for you.

VA will also allow us to refinance an Adjustable Rate Mortgage (ARM) to a Fixed rate

loan, because that will create more stability for the VA loan guarantee.

Several standard loan fee’s are waived since you’re a veteran. There is no loan cost

out of pocket. More discounts if the veteran has a 10% or more disability.

We’ve helped may veterans and spouses with this loan. We know how to make this

a simple and easy process for you.

Call to see how much money you will save on your current monthly payments.

If the veteran is deployed, you can do this loan with the veteran’s written permission.

If you are the surviving spouse of a veteran, then you qualify.

Don’t sit on this one!

The window of opportunity is currently open to lower your interest rate. However most

lenders are now tweaking their internal rule book (lender overlay) and making this loan

much harder to obtain. So the lenders rules are changing. If you wait too long, you may

miss this chance to lower your house payment with very little effort

How to reach us:

Ask for Cliff

Phone: (760) 746-9915           

             (800) 513-3540         

e-Mail: cliffjack@cox.net