VA Home Loans

Have You Served?

Do you have 90 days active duty during Wartime? OR 181 or more days during peacetime? OR 6 years in the Reserves?

• You may qualify for a no-down payment VA guaranteed home loan! There are closing costs, however, those costs can be paid by the seller or by a lender credit. Your out of pocket could be as little as $500.
• No minimum credit score. No traditional credit history is required, meaning you don’t need to have a credit history on your credit report. We can use your good-pay history from auto insurance, utilities, rental history, cell phone, auto insurance, and more.
• You must intend to live in the house as your primary residence.
• You can buy a house for your spouse and/or dependent child to live in while you are deployed .

“I have been a Loan Officer for 18 years and always put my clients first. My goal is to get you a great interest rate and reduce your out of pocket. In many cases, I can get you into a house with less than $1000 out of pocket. I’m a retired Firefighter / Paramedic and my Dad served in WW2” – Dan Sherbondy

702-326-7469 – talk/text         Email: DSherbondy@AllWestern.com

VA Rate Reduction Refinance (IRRRL)

If your rate is 5.25% or higher, it may make sense to refinance. I will crunch the numbers and give you an honest assessment. Text me your loan balance and your current rate and I’ll send you back some numbers to consider. Dan 702-326-7469

• Lower payment
• No Appraisal is needed
• No cash out of pocket—and, I may even be able to get you up to $500 cash out at close.
• Mortgage only credit check, meaning we only check to make sure you have not recently been 30-days late on your mortgage payment. Other credit doesen’t matter
• No minimum credit score

FYI- IRRRL stands for Interest Rate Reduction Refinancing Loan. You may see it referred to as a “Streamline” or a “VA to VA.’