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VA Home loans from a Veteran who understands your Benefits

  •  Personal Va Loan Guidance from a fellow Veteran
  •  Purchase, Refinance and VA Entitlement Options
  •  Competitive Options from Multiple Wholesale Lenders
  •  Work directly with ME from application through closing

VA Mortgage Guidance from someone who has served.  

I'm Christopher Zarnik owner of Positive Rate Mortgage.  I'm a Veteran and retired Air Force Military Aviator who Flew T-38's, KC-10's and KC-135's.  Today, I am a professional pilot flying the Boeing 767 for a major cargo carrier.

I've been in mortgage origination sine 1998 and have completed more than 3000 mortgages.  As an independet mortgage brokerI personally work with my clients to understand their situation, evaluate available mortgage options and guide them through the process.

When you contact Positive Rate Mortgage, you are dealing directly with Me.  

Get my VA loan Analysis

Tell me a little about your situation and I'll personally review your Va Mortgage Options.  


Why Veterans Choose Positive Rate Mortgage!

Fellow Veteran

As a Veteran and former military Aviator, I understand the value of the benefits that you have earned

Personal Service

Work Directly with Me

I'm the owner and mortgage broker.  You work directly with me - not a call center or layers of employees

Broker Advantage

As an independent mortgage broker, I can compare appropriate options from multiple lenders rather than being limited to one lender

Understand your VA Home Loan Benefits

Have a VA Loan Question? Talk directly with Me - Call, Email or Text Christopher Zarnik

Call, email or text including nights and weekends