Providing personal online mortgage service since 1987, a California home loan specialist

Rand Miller

(800) 644-5363

An on line home loan can be easy, just complete the online application, fax in some paperwork and get ready for the funding.

A VA mortgage loan was the 1st no downpayment loan available. It is a good benefit for faithful service.

A veteran loan is most commonly used to purchase a home with no downpayment.

A veteran home loan can be easy, just complete the online application, fax in some paperwork and get ready for the funding.

The key to a good VA loan is low cost with a low interest rate. The seller usually pays the most of the closing costs on a VA purchase loan.

The VA streamline loan is an excellent way to lower your interest rate on a refinance with minimal cost.

A VA house loan requires a strict appraisal, to insure the veteran purchases a home in good shape.

A refinance VA loan can be a VA streamline loan or a conventional loan. We will help you compare the details of each program.

Veteran Loan, it's Easy! for Veterans!

Need a VA Home Loan? If you are a veteran and need a VA purchase loan, VA refinance or a VA equity loan we have a variety of programs to choose from, with low rates and personal service.

Veteran, if you would like personal assistance from our "Veteran Finance Specialist", contact Sgt. RAND MILLER who has been assisting Veterans with their Real Estate financing needs since 1987. Regardless of your situation, whether you have good credit or bad credit, whether you have good verifiable income or you can't document your income, we are confident we can help you.

Sgt. Rand Miller worked hard during his years in service with the U.S. Army 1/75 Ranger Battalion. He continues to work hard in the mortgage industry helping veterans qualify to purchase homes and refinance their homes. He enjoys helping fellow veterans and will do his utmost to help make their real estate dreams come true.

Whether your loan situation is easy or tough we will do our best to help you with candid and honest advice. We will help you fully understand the different options available and will help you compare the various programs to determine which VA loan or conventional loan will save you the most money while you own your home.

If you're interested in saving money when financing your VA Loan call (800) 644-LEND and ask for Sgt. Miller or complete the Online Inquiry form, it is quick and simple. You will get the best Veteran home loan service available.

A Variety of Programs to choose from:

We can help you choose the best loan for your situation. When you need a fast VA loan, regardless of your situation, either call us, email us or Apply Online. You can count on us to give you straight answers to the tough questions regarding your real estate financing needs.

VA Purchase Loan, both Good and Bad Credit Loan - Whether you need a good credit loan or a bad credit loan, we can help you. Even if you have need a loan after bankruptcy or foreclosure, there is a good chance we can still help you. Our underwriters are very flexible and willing to do almost anything to help Veterans purchase homes.


The best way for you to get started with your VA home loan is to complete the Online Inquiry form. This will give us the details about your situation to help guide you to the right loan approval for your circumstances. We have surprised many veterans by approving them for loans that they didn't think they qualified for. Let us help you, good credit or bad credit, we have special programs regardless of your credit. We will do our best to help you save money on your home purchase financing. We know the VA Home Loan programs, let us share our experience with you.

VA Refinance Loan, both Good and Bad Credit Loan - Whether you need a standard VA Streamline Loan, a Cashout Refinance or need a special VA Bad Credit Loan, we will do our best to help you with your refinance. Our 100% no equity refinance allows you to refinance up to the current value of your home. We even have a  special loan that allows you to pull cash-out up to 100% of your loan.

VA Streamline Loan[Refinance VA Loan] - If you're interested in just lowering your interest rate with no cash-out, this program is for you, it's simple and inexpensive. To begin the process, just complete our Online Inquiry form, we will review your information, then we will email you certain required disclosures with a checklist of a few items we will need from you. All you need to do is fax back the signed disclosures and paperwork requested. We will quickly process your loan, then we will contact you for the closing. It is a simple loan with no red tape.

VA Equity Loan- Whether you need a VA Debt Consolidation Loan or a VA Home Improvement Loan - we can help you. We do our best to provide low rate and fee loans to help Veterans save money with their financing. Our equity loan programs are quick and easy, just complete the Online Inquiry and we will contact you with the loan programs that you are qualified for. Remember, most of our home equity loan programs can finance up to 100% of the property value. Also even with bad credit you still might be eligible for our loan programs, they are flexible. We even offer after bankruptcy second mortgage programs. Call us, email us, or complete our secure Online Inquiry form, let us share our years of mortgage experience with you. If you want honest answers and candid advice, contact us today.

Equity Loan only $16 to $300 [that's all] - Although this program isn't exclusive for Veterans, it is very helpful for Veterans who are trying to save money and get a great deal on an equity loan. This loan only costs between $16 to $300 [that's all]. Better yet you don't have to have perfect credit to get it, in fact your credit score can be as low as 620. This loan also allows for stated income and stated assets, making it a very flexible loan to qualify for. And to top it off, this loan also can issue you cash for debt consolidation or home improvement up to 100% of your homes value. The rates are low and the cost is excellent. Complete our Online Inquiry today, this is one loan that is a money saver.

VA Bad Credit Loan - Need a Bad Credit Loan? Almost all companies say that they can provide a loan for people with bad credit, but most companies offer such high rates and fees, they are actually hurting their customers more than helping them.

Our underwriters truly understand that bad credit happens even to the best of people. Whether it be a job layoff, illness, divorce, or just spending more than you earn, bad credit, bankruptcy and foreclosure are sometimes inevitable. We care about our clients, especially our veteran clients, who have had past or current credit problems. Our underwriters want to do whatever they can to help our clients have a second chance.

Our faith in you is proven by the low interest rates we offer. If we can prove that our loan will solve your problems, whether your credit has a recent or current bankruptcy, foreclosure, or unpaid collections; if our loan can help lower your payments; and we can prove that you can make the payment; then you will get your loan. Let us help you have a second chance, with a rate you will appreciate. Apply Online today. You took the time to serve our country, let us serve you with a good mortgage loan.

VA No Doc Loan or Stated Income Loan? If you don't want to show us your income or can't, that's ok. We offer a variety of loan programs that range from the Stated Income Loan [you just tell us your income and we accept it] to No Document Loan [we don't include any verification of income or assets, that means no employer listed and no bank accounts listed].

You may be surprised, the rates are actually very good, in many cases lower than rates offered by other standard market full document loans. Just complete our Online Application and let us begin saving you money with a low rate mortgage.

We offer a variety of loans that can help you purchase a home or refinance your home, regardless of your income situation, whether you are self employed, retired, between jobs, or un-employed, we can probably help you with a low interest loan.

Categories of Stated Income Loans & No Doc Loans are:

As you can see, we have a varied arsenal of loan programs designed to put almost every veteran into a home or allow them the opportunity to refinance their home or draw from their home equity with a a low rate & low cost equity loan.

For personal service either call or email Sgt Rand Miller, or complete our Online Inquiry form. You will realize that we will do our best to help you with candid and honest advice, giving you straight answers to the tough questions regarding your real estate financing questions. You will appreciate being helped by a veteran who is sincerely concerned about you and your real estate and finance goals and dreams. We look forward to serving you.

Veteran Loan Details

The U.S. Department of Veterans' Affairs was established with the passage of the original GI Bill in 1944. Included in the many provisions of that bill was a program to assist returning World War II veterans with the purchase of a new home. The program has been expanded from time to time to include other veterans since then. The VA has assisted nearly 600,000 loans to veterans since that time.

The assistance provided is a guarantee of a portion of a mortgage loan used to finance the purchase of a primary home. Each eligible veteran (see eligibility below) is granted a dollar amount of entitlement. That entitlement can be used in place of a down payment on a home, which can result in a loan for 100% of the purchase price. The maximum amount of a VA-Guaranteed loan is $417,000, thus the VA provides assistance to a purchase loan. The guarantee is insurance against loss from default to private lenders such as mortgage bankers, savings and loans or banks.

WHO IS ELIGIBLE - Veterans with active duty service, that were not dishonorable, provided they served a minimum amount of active duty time as follows: 

World War II
                     Dates of Service:   9/16/40 to 7/25/47
                     Minimum Service     90 Days
                     Time:

Peacetime
                     Dates of Service:   7/26/47 to 6/26/50
                     Minimum Service     181 Continuous Days
                     Time:

Korean Conflict
                     Dates of Service:   6/27/50 to 1/31/55
                     Minimum Service     90 Days
                     Time:

Post Korean
                     Dates of Service:   2/1/55 to 8/4/64
                     Minimum Service     181 Continuous Days
                     Time:

Vietnam Conflict
                     Dates of Service:   8/5/64 to 5/7/75
                     Minimum Service     90 Days
                     Time:

Post Vietnam
                     Dates of Service:   5/8/75 to 9/7/80
                     Minimum Service     181 Continuous Days
                     Time:

Post Vietnam -
Enlisted Grades
                     Dates of Service:   9/8/80 to 9/1/90
                     Minimum Service     2 Years
                     Time:

Post Vietnam -
Officer Grades
                     Dates of Service:   10/17/81 to 8/1/90 (Gap from
                     Minimum Service     9/7/80 to 10/17/81)
                     Time:               2 Years

Persian Gulf Active military, and reservists or national guardsmen who where activated, who served at least 90 days and were discharged or deactivated honorably, are eligible.

Selected Reservists:
Members of the Selected Reserve, including National Guard, who are not otherwise eligible and who completed 6 years of service and been honorably discharged or have completed 6 years of service and are still serving may be eligible. This expanded eligibility for reservists will expire on 10/28/99, and use of this home mortgage program by this group requires payment of a higher guarantee fee.

Spouses:
Un-remarried, Surviving Spouse:
Spouses of veterans who died on active duty or as a result of injuries received during active military duty, are fully eligible for VA loan benefits if their deceased spouse would have been eligible. This eligibility ends upon remarriage. POW/MIA Spouses, Spouses of Prisoners-of-War and veterans still considered Missing-in-Action are also eligible based on the eligibility of their POW/MIA spouse.

Veterans may contact any VA office or an authorized VA lender for additional information or an exact determination of their eligibility.

LOAN PROGRAM DETAILS

FIXED RATE ONLY - At the present time the only VA loan available is a Fixed Rate, fully amortizing loan with a term of 10, 15, 20, 25 or 30 years. Until September 30, 1995, VA also offered an Adjustable Rate Mortgage (ARM) loan, but their authority to continue that option expired and was not renewed by Congress.

MAX LOAN $417,000 - The loan may be for the purchase of a new home, up to a maximum loan of $417,000.

ONLY "1" VA LOAN AT A TIME - No veteran may have more than one VA loan at any one time. If an existing home was purchased with a VA loan, it must be repaid in full before a new home may be purchased by reusing, or restoring, VA home loan benefits. In addition, no veteran may continue to own more than two homes that were acquired with a VA loan at any one time. For instance, if a veteran purchases a first home with a VA loan, repays that loan, purchases a second home and repays that loan in full, either the first or second home must be sold before a third home can be purchased with a VA loan.

FULLY ASSUMABLE - VA loans are also fully assumable by a buyer who meets all of the minimum credit qualifications required by VA. If the assuming buyer is a veteran, his/her entitlement may be substituted for the selling veteran resulting in restoration of entitlement. If the assuming buyer is not a veteran, the entitlement used to purchase the home remains with the home and is not restored.

HOME TYPES - A VA loan may be used for the purchase of a 1-4 Family, detached home, or a 1-Unit home in a VA-Approved Planned Unit Development or Condominium project. All homes acquired with a VA loan must be occupied by the veteran as their primary home.

SERVICE CONNECTED DISABILITY - All Funding Fees may be added to the loan and financed or paid in cash, provided the financing of that fee does not result in a loan amount above the maximum $203,000. Certain veterans, generally those with service connected disabilities, are exempt from payment of a VA Funding Fee on all loan transactions.

Other costs associated with a VA loan are those that are typical or normal for any home mortgage loan. They may include, but not limited to:

No commissions, brokerage or "buyer broker" fees may be charged to a veteran buyer.

Contact us Today!

For personal service either call or email Sgt Rand Miller, or complete our Online Inquiry form. You will realize that we will do our best to help you with candid and honest advice, giving you straight answers to the tough questions regarding your real estate financing questions. You will appreciate being helped by a veteran who is sincerely concerned about you and your real estate and finance goals and dreams. We look forward to serving you.

Do you want more details on the VA Loan? Go to our VAFAQ page.