The V.A. Loans are the best Loan on the market. It is a gift and a reward to the Veteran for everything that they do for our country and our communities. A V.A. Loan is a zero down payment loan with no mortgage insurance, and for anyone who sacrificed their body and has a disability rating, it has no funding fee! In my opinion, it’s the best loan on the market because of the aforementioned information, but it also yields some of the best rates and it gives the veteran an opportunity to buy a home without limiting their purchasing power to debt to income regulations.

When you’re looking at purchasing a home or refinancing a home. You’re going to be presented with different options, different companies and different competitors that are seeking your business. You can break down all of the companies out there into three different categories.

There are the big banks, the bankers.
There are the brokers.
And there are the mortgage bankers.
All three of them serve different purposes and have different benefits.

When you’re looking at cashing out of your house, you’re going to have a couple of different options. The two primary options are a cash out refinance and a home equity line of credit, also known as a HELOC. A HELOC is very simple. They’re not going to touch your mortgage. So if you’re sitting on a 2% or 3% or 4% rate, you don’t want to touch that rate.

Before I was a branch manager, I was a loan officer. I was a loan officer for seven years and I still originate loans. And even now, sometimes I don’t know what my job is and what my job used to be, but I’m going to give it my best shot to explain to you what a loan officer does. A loan officers job is to be a salesperson.