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VA Mortgage Guidance from someone who has served.
I’m Chris Zarnik, owner of Positive Rate Mortgage, LLC. I’m a veteran and retired Air Force Reserve military aviator whose flying career has included the T-38, KC-10 and KC-135. Today, I fly the Boeing 767 for a major cargo carrier. I have worked in mortgage origination since 1998 and have completed more than 3,000 mortgages. As an independent mortgage broker, I personally help veterans and military families understand their VA benefits, evaluate available mortgage options and navigate the financing process. When you contact Positive Rate Mortgage, you work directly with me—from your initial questions through closing. I can compare appropriate options from multiple wholesale lenders rather than being limited to a single lender.
When you contact Positive Rate Mortgage, you are dealing directly with Me.
Tell me a little about your situation and I'll personally review your Va Mortgage Options and contact you directly
As a Veteran and former military Aviator, I understand the value of the VA home loan benefit that you have earned through yur 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
As an independent mortgage broker, I can compare appropriate VA loan options from multiple wholesale lenders rather than being limited to one lender
VA entitlement is the amount of guaranty the Department of Veterans Affairs provides on your loan. Your available entitlement can affect how much you may borrow without a down payment, particularly if you have used a VA loan before.
Your VA home loan benefit is not necessarily a one-time benefit. Eligible veterans and service members may be able to restore or reuse entitlement after paying off a prior VA loan, and some borrowers may have remaining entitlement available.
Eligible veterans and service members may be able to purchase a primary residence with no down payment and no monthly private mortgage insurance, subject to VA, lender and property requirements.
VA refinancing may help eligible homeowners pursue a lower rate, different loan term or access to home equity. Available options and benefits depend on the borrower’s current loan, eligibility and financial goals.
VA financing may be available for higher-priced homes. Qualified borrowers with full entitlement may not be subject to a VA loan limit, although lender guidelines, income, credit and property requirements still apply.
Military retirement and VA disability income may be used to qualify for a VA mortgage when properly documented. Understanding how lenders calculate eligible income can help make the approval process smoother.
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