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CONTACT Dennis Owens Preferred Financial Group 7373 S. Alton Way Ste 201 Centennial, CO 80112 Cell Phone: 720-297-6117 Sat/Sun: Dennis - Residence: 303-933-9469 USE THIS TO EMAIL ME 
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IMPORTANT! Please be sure to read and agree to the Legal Disclaimer pages before you email or call me for any financial advice or services. |
| VA - Mortgage Loans |
Welcome to your...
PERSONAL
MORTGAGE
BROKER
UPDATE: OUR NEW VA MORTGAGE LOAN WEBSITE IS COMPLETED. THE NEW WEBSITE OFFERS EVEN MORE FEATURES AND INFORMATION. Please use link below to visit our new site.
Click here to visit our new ColoradoVAMortgages.com website
Dear Veteran:
Compare our Colorado VA refinance and purchase rates to anyone. Plus compare our experience, and personalized services!
If you are currently active in the US military, or a veteran, we can assist you with either a VA Refinance or a Home Purchase loan. In either case, we would be happy to discuss your options and goals.
Speaking of VA loans, we can help make securing a VA loan very simple. By our representing you, we will work to make the process as easy on you, and your schedule, as is possible. Plus provide you with some of the best advice, rates, and services available.
New 2008 VA LOAN LIMITS:
Now up to $417,000, or $625,500 in high-cost areas
As true independent brokers, we have access to wholesale rates with the majority of the major lenders. For example, we work such lenders as Wells Fargo, Bank of America, Countrywide, National City, 1st Horizon, Suntrust, and many others. We check their wholesale rates daily, including our volume discounts on behalf of veterans. We always welcome everyone to compare my rates against any bank or other broker.
When we say that we offer some of the most personalized loan services available, it means that we are available to our clients far beyond tradiional business hours. In today's very hurried world, we know our clients are busy too. Consequently, we feel it is very important to make ourselves available both evenings and weekends.
Details:
If you are currently active in the military, or a veteran, you can apply for the following:
VA PURCHASE - 100%, 95%, 90% or less full home purchase VA loan financing.
VA REFINANCE - Choice between two great refinance loan options, which are available through the VA STREAMLINE "Interest Rate Reduction Loan" (IRRRL) program.
If you currently have A or C type of credit history it often does not matter. The lenders are mostly concerned with your last 12 months mortgage payment history.
The government makes these VA Home Loans available to assist veterans by always providing them with easy access to low interest rates loans, as the interest rates tend to change over the years. The idea is that no veteran should ever have to pay a high interest rate on their VA loan.
VA REFINANCE LOANS:
The first type of refinance loan we call a NO COST STREAMLINE, and the second type of loan is known as the NO-OUT-OF-POCKET STREAMLINE. As a veteran with an existing VA loan on your home, you nearly automatically *qualify for either of these simple rate reduction loans.
Please note that these loans are not the typical full refinance loans! Instead, they are far simpler for the average borrower to obtain compared to the traditional conventional type of loans. Best of all; you retain your VA loan status with this convenient VA loan replacement. This STREAMLINE process offers you "A" credit type interest rates in any market timing. The available rates are affected (tied) to the bond (US Treasuries)market. So we need to watch the ever changing interest rates for my clients, as they move a bit differently then do conventional loan interest rates. Basically, we help time the entry point for our clients in order to allow them to lock-in their best long-term fixed interest rate. And there is more! You still have a flexible VA loan for the future too. Meaning, if rates were to fall another point or two lower in future years, you are still eligible to get your rate reduced again anytime you wish.
FOR YOUR NEXT VA PURCHASE OR REFINANCE, WE WILL DO ALL OF THE HARD WORK FOR YOU!
- Updated VA (COE) Eligibility Cert
- Rate/Lender comparisons
- Lock your rate w/no obligation
- Help you complete the application
- Provide the VA disclosure forms
- Order your title work
- Order/Verify your 1st mtg. payoff
- Update with your insurance agent
- Obtain VA case number
- Obtain CAVIR number
- Process all your loan paperwork
- Obtain final lender loan approval
- Arrange your closing and attend
COMPARE OUR SEVICES AND EXPERIENCE:
We work hard to achieve quality loans for veterans. And so we mention the following facts not to boast. But rather to urge you to consider doing some serious loan comparisons, and to obtain any loan quotes in writing.
1) Our track record between 2002-2008 is a a 100% customer satisfaction record. Meaning, we achieved zero client complaints.
2) We are your VA loan representatives throughout the entire process.
3) We spend far more time then is customary with all of our clients. This allows us the proper amount of time to provide you with information and options to consider. If you then decide that you wish to proceed with the loan, we will constantly monitor your loan's progress and keep you informed.
4) We will provide you with (GFE) "Good Faith Estimates" to review at the very start of the loan process. Unlike most lenders who want to get you committed to them, by requiring that you complete a lot of early paperwork.
5) We offer you true low and or no closing costs loan options.
6) We will quote you rates and even offer to lock a loan for you right over the telephone, long before we will require that you complete a full application.
7) We are not the typical loan originators (salesmen), bankers, or inexperienced loan officers. And we certainly do not just take your application and pass it on to some processing department. Instead, we personally handle your file throughout the entire process.
8) Because we actually process your loan ourselves, we will often hand deliver and pickup your loan package throughput every stage of the loan process. For example, we move the loan files to and from the lender's branch offices, and then the title company. This type of control tends to eliminate the common industry problems of lost or misplaced loan files etc.
9) We personally deal with the VA on your behalf for your (COE)certificate, case number, CAVIER number, and any disability verifications should they exist.
10) We can almost always (99% to date) personally attend all of our client's loan closings.
12) With our personalized loan services, there are no large corporation phone tiers/menus, finding it difficult to reach your loan officer issues, lack of answers, lack of responsibility, or any of the other common negative scenarios that people often experience.
SHOULD YOU KEEP YOUR CURRENT VA LOAN OR MOVE TO A CONVENTIONAL LOAN?
Quite often We recommend that veterans maintain their VA loans. However, since we specialize in various loan strategies, there are circumstances when an alternative loan would be advisable. For example: to accomplish cash out or bill consolidation etc. We would need to know more about your particular situation to make any specific recommendations
BE CAREFUL!
It has been our experience, that many loan originators and loan sales representatives, will often claim to be capable of providing you with a VA refinance loan. Yet in many cases, such loan officers have in fact done few if any VA loans. The reason for this is that government loans are somewhat a specialty. And most loan officers are only trained to handle conventional loans. So in truth they are often not really familar with current VA loan requirements. Yet it is common for them to say "oh no problem we can do it." I mention this warning because we hear these nightmare stories all the time from veterans, underwriters, and title closers. And we am referring to both large lender (banks)representatives as well as the smaller mortgage companies. So if you want to avoid having such loan nightmares, we highly recommend that you consider finding a reliable local VA refinance specialist! And we don't mean to suggest that we are the only such qualified loan officers within the state of Colorado. We are simply suggesting that you should be confident that you have located an honest, knowledgeable, and reliable VA loan officer to represent you. And please ask them point blank, about their VA experience as well as their processing department. Because you will want someone that works with VA loans on a full-time basis and not just on rare occassions.
Personalmortgagebroker.com
WE WORK HARD TO OFFER YOU GREAT CUSTOMER SERVICE.
CALL US ANYTIME
FOR A QUOTE ON
TODAY'S VA RATES
Call:
Mark or Dennis
VA SPECIALIST
720-297-6117
PROVIDING YOU WITH THE BEST IN
VA STREAMLINE LOAN KNOWLEDGE AND RESOURCES.
SIMPLE AS 1, 2, 3
We then mail or fax you complete details (GFE) for one or more loans options that we would recommend you consider. Each GFE will provide the interest rate, term, and any closing fees, along with the new monthly payment amount.
2) If you decide to proceed,
we will take a mini-application over the telephone and lock your rate. Next, we will prepare all of the loan documents for your review and signatures.
3) After final lender approval,
we will schedule a closing date convenient for you. The closing will be held at a location of your choice.
Note: We don't play games.
We guarantee there will be no surprises at your closing. No increases in closing costs etc. We will attend your closing personally!
THERE ARE TWO COMMON LOAN SHOPPING MISTAKES THAT YOU WILL WANT TO AVOID:
1) Borrowers often find themselves at one of the many so called VA loan related websites. They tend to come by these websites through their useage of the various search engines. Whereby, they have used key search words such as: VA Loans, VA Streamline, etc. However, in most cases such websites do not represent lenders who are really located within the borrower's own state. Not good! This can often lead to one of those "out of state mail/closing nightmares". Why? Because loans originated out of state seem to have far more problems than do loans handled locally. So why use an out of state loan officer? Remember, although the major lenders are national, they typically also have local branch offices in nearly every state. Meaning, that a Colorado based loan officer can usually obtain the very same loan program and rates through such national lenders. Consequently, there is really nothing to be gained by you working with an out of state loan officer. Only potential disadvantages. While in great contrast, there are many substantial advantages in your working with a local loan officer. Such as better service, a smooth and more reliable loan process overall.
2) There are many websites that suggest how you should use their service in order for you to have several lenders compete for your business. Well the fact is that such websites are just bad news for borrowers. Because these websites perform no loan services at all! In truth they are just private lead collection company websites. Meaning, that they exist simply to collect your personal information and then sell your name and personal information as a sales lead to the highest bidder (brokers) nationwide!
Stories I Have Heard
In our many conversations with veterans about their previous bad loan experiences, we have heard many shocking stories. So we have listed a few of the most common stories/ complaints about lenders below.
" I was both surprised and upset with all of the unexpected increases in my closing costs. "
"The rate they promised me was never honored. I could have received a better loan rate and fees somewhere else."
" My loan officer did not seem to really be all that that familiar with VA loans."
" My loan eventually closed, but they provided poor service throughout the process."
" They fouled up the loan so badly that I finally refused to close the loan with that lender. It was a big waste of my time."
" The loan was rejected and I never did close the loan with that lender."
Generally, you can run into problems with any loan. Regardless of the loan officer's best efforts, problems to happen. All you can do is pick your lender carefully and hope for the best. But remember, generally if they miss your rate lock's deadline, the loss will be yours!
COLORADO
VA HOMEOWNERS
we are likely in your neighborhood frequently. Consequently,
we can often arrange to come out and meet with you in person at your home or place of work when the time comes for you to sign loan papers.
We offer this added service as a convenience to you.
Primary Service Area:
Denver
Colorado Springs
Aurora
Highlands Ranch
Lone Tree
Englewood
Littleton
Castle Rock
Parker
Lakewoood
Wheatridge
Arvada
Broomfield
Brighton
Bennett
Evergreen
Conifer
Morrison
Longmont
Commerce City
Monument
Franktown
Security
If you are located in a more distant area of Colorado, we would simply need to handle your loan by telephone and the use of express delivery services.
Mark Chase
or
Dennis Owens
VA STREAMLINE SPECIALIST
720-297-6117