Financing in Phoenix>Question Details

Rhianna Zast…, Home Buyer in Phoenix, AZ

Can you help finding an approved VA Loan vendor?

Asked by Rhianna Zastrow, Phoenix, AZ Thu Jul 26, 2012

My fiance is an airforce veteran and we are in the market for our first house. First off, we are new to the area and need help finding help with VA Loans. Any advice?

Help the community by answering this question:


Before you start the hunt for a house, the best thing you can do is to get pre-approved for your VA loan amount. The time you save quite literally will be your own.

Once you have determined the loan amount you are approved for, you can start house hunting with confidence. In a tight housing market it will also give you a heads up with the seller, as other potential buyers may not have taken this important step.

Knowing in advance what you are able to afford offers a great deal of security. That kind of security will go a long way as you search for the best value for your money. Having a VA mortgage is an excellent benefit, but finding the right home is just as important. With pre-approval, you avoid wasting time with homes out of your price range or sellers who are unsure whether you are a serious buyer.
2 votes Thank Flag Link Wed May 20, 2015
As a top VA home loan provider, NASB offers great rates on safe and affordable loan products, including FHA and VA home loans. We want to provide those who protect our country with the financial tools to help them build their own American dream. NASB is eager to help you determine if you are eligible for VA financing, and if you qualify, provide you with quick and hassle-free VA loan approval. We know most people want to purchase a home within their means rather than taking the largest mortgage a lender will allow, so during the loan process we provide you with all the information you need to determine the amount of financing you can most comfortably afford. And this is just part of the superior customer service experience you can expect from NASB.

Earning the privilege to lend to our brave men and women is an honor we take seriously here at North American Savings Bank. VA approved lenders adhere to the highest standards of financial practice and NASB works extra hard to ensure a comprehensive loan experience for military personnel.
1 vote Thank Flag Link Mon May 18, 2015
If you would like assistance sorting through all of the lenders that may have responded to you and also talking with my approved VA lenders that I have worked with for years, please let me know. I am also one of the few Certified Military Residential Specialists here in the valley (CMRS). My main focuse with Veterans and active military personnel is to make sure you are getting treated in the best way and that your process is safe, efficient and thorough.

Bryan Hamby
10601 N. Hayden Rd #I-100
Scottsdale, AZ 85260
0 votes Thank Flag Link Fri Aug 7, 2015
VA mortgage benefits that only come with a VA mortgage:

Easier qualification standards
Less strict credit and income standards
No down payment required
Bad Credit Score VA loans Down to 550!…
0 votes Thank Flag Link Sun Aug 2, 2015

VA Mortgage Loans are available today for both honorably discharged Vets and active duty military personnel. Here are some of the great features of this fantastic program:


- Up to 100% financing, with no down required.

- No monthly mortgage insurance added to your payment.

- More lenient credit qualifying standards than other types of mortgage loans.

- Low rates compared to other loan programs.


-Order your Certificate of Eligibility. A Florida VA loan lender can order your COE quickly for you, or you can go directly to the VA to obtain a copy. If discharged, you will need your DD214. The next step is to get pre-approved with an experienced VA lender.

-2 years tax returns

-Last 2 paycheck stubs

-Last two bank account statements

-600+ credit score (typically 640 is what most lenders look for)

-Same line of work for the past two years

-Money for closing costs

Please contact me and I will put you in touch with the best VA lender!!!
Andrew 954-394-7185 (prefer text first)
0 votes Thank Flag Link Wed Jun 10, 2015
We do VA loans in all 50 states. It is important to note that you have to either be a veteran, or be married to a veteran, to be on a VA loan. So you would only be able to use your fiancé's income at this point, or if you were going to be married before purchasing a home, then you could be added onto the VA loan as well. Good luck.
0 votes Thank Flag Link Mon Mar 30, 2015
Yes I would be glad to help you out.

Thank you
 Sona Dodd 480-363-9861
Harnek Dadiala 623-229-6691
Premier Realty Team
Web Reference:
0 votes Thank Flag Link Sun Mar 29, 2015
I would be able to help you with a VA home loan. I can be reached at 623-225-2574.

0 votes Thank Flag Link Sun Mar 29, 2015
HI Rhianna-

Wells Fargo and I do a lot of VA loans and we don't charge any origination fees or processing fees on VA loans.

Feel free to call or email me at 858-805-5347

or apply online at my website
0 votes Thank Flag Link Fri Nov 28, 2014
Hi Rhianna,

We are a Direct VA lender, meaning we work directly with Ginnie Mae, who provides the guarantee for VA loans. This is a great benefit to you, the Veteran borrower, as we can avoid potential restrictive overlays (stricter qualifications) that may exist if you go with a lender than sells there loan into the secondary market of investors instead of direct to Ginnie Mae. Feel free to contact me at 602-290-6667 or

Kirk Brewer
Sr. Mortgage Advisor
Pinnacle Capital Mortgage Corp.
0 votes Thank Flag Link Sat Aug 30, 2014
Hi there,

Thank you for your service to our great country!

My name is Jimmy Vercelliino and I am a Marine Corps Veteran and Mortgage Originator Specializing in VA Home Loans in Maricopa County.

For more information you can visit my website at or you can call me direct at 602-908-5849.

With gratitude,
Jimmy Vercellino
0 votes Thank Flag Link Fri Aug 29, 2014
As a Marine and having worked with many veterans, I would be very pleased to assist you and your finance if you have not found a mortgage banker that is helping you.

Korene Clopine-Seaman
0 votes Thank Flag Link Fri Aug 24, 2012
Hi Rhianna,
I come from a family of Vets and thank and respect each one for their service. I will be happy to recommend a couple of lenders to you that you could speak with. Many of my clients as well as family members have used them......and would again!

Ceil Mills
Liberty One Realty
0 votes Thank Flag Link Sat Jul 28, 2012
Thank you to everyone who posted on here with great leads. We are very new to this, so any helpful information is gold!!
0 votes Thank Flag Link Sat Jul 28, 2012
Rihanna. Everyone is always qualified for a loan and I mean everyone who walks in the door of a lender. Even if you’re unemployed bad credit. I’m sure you heard this before from the friendly mortgage reps out there. Never mind the yes men. Just wait until your application hits the underwriter’s desk. This is where the fun begins.
0 votes Thank Flag Link Fri Jul 27, 2012
Contact Rhett Laudenburger with Amerifirst Financial at (480) 225-6699 or He does VA loans in house and can close in 20 days. He's a personal friend of mine and I see his hard work pay off daily for his clients. You will not be disappointed with his services.
0 votes Thank Flag Link Thu Jul 26, 2012
Hi Rhianna,

Congratulations on purchasing a new home! Now is a terrific time to buy a home with the low prices and the extremely low interest rates.

Not knowing what purchase price you & your husband are looking for, I prepared a chart showing you the monthly payments, which includes your estimated property taxes and home-owners insurance based on $100,000, $150,000, $200,000 & $250,000 purchase prices.

As of today, 07-26-2012, with approved credit, on a $200,000 purchase price, our rate would be 3.25% for a 30 year fixed rate loan, 3.481 APR, plus we would be giving back 1.213% towards your closing costs. That's $2,473!! That's enough savings for you & your husband to buy some furniture or a very nice big screen TV!

Here are your Loan Comparisons (

This breakdown also shows you the estimated amount you would need to bring to the closing table if your Real Estate Agent does not negotiate closing costs to be paid by the seller.

If you would like a recommendation for a strong, knowledgeable real estate agent, I'd be happy to recommend someone as well.

Please feel free to contact me directly if you have any further questions, I'd be glad to help.

All the best,

Roswell Moore, CMPS
Certified Mortgage Planner
480-422-5095 direct

We are a Direct Lender, Mortgage Bank where we originate, process, underwrite, fund, AND SERVICE our loans, in-house, with FHA (starting at a 580 score AND still only 3.5% down), FHA Streamline refinance loans (NO minimum credit score, NO appraisal required) Go Green rehab loans, HomePath, Investor Friendly (10 financed properties), VA, VA Refinance loans (NO appraisal required on IRRRL loans), USDA loans, Jumbo loans, Conventional loans, plus, we allow Escrow Hold-Backs!
0 votes Thank Flag Link Thu Jul 26, 2012
I have worked with several lenders in the past for my clients and this gal is currently helping a buyer client of mine to purchase a new home.

Korene L. Clopine-Seaman
Senior Mortgage Originator / Mortgage Lender
NMLS# 218520
AZ License # LO-0916745
CA License # DOC-218520

Direct Phone: 623-340-0934
Fax: 623-218-1807
Mortgage Website:
Referral site:
0 votes Thank Flag Link Thu Jul 26, 2012
Hi Rhianna, Nice to meet you! I work with Pearl Everett from below and I have been a lender for over 10 years and am an Arizona native. I would love to help you and your husband get preapproved to buy a home! If you fill out the application online at my website I should be able to get you preapproved before the weekend. Kelly Weston People's Mortgage 480-428-1214 NMLS#203522, BK#0904164 I look forward to working with you and helping you purchase your first home!
0 votes Thank Flag Link Thu Jul 26, 2012
Hi Rhianna,

I have worked with this lender for years and we have helped many veterans use their VA loans to purchase a new home. You can contact Kelly direct, I have provided her information below.

Kelly Weston
Senior Mortgage Specialist
Peoples Mortgage Company
14500 N. Northsight Blvd., Ste #300
Scottsdale, AZ 85260
NMLS# 203522
Direct (480) 428-1214
Fax (480) 882‐0860

Once she completes your loan approval I will help you begin your new home search. If you have any questions please feel free to contact me.


0 votes Thank Flag Link Thu Jul 26, 2012
Hi Rhianna -

Congratulations on your first home search. Please thank you fiance for his service to our country. I am glad that he is aware of the VA loan program. I was just taking an application for a vietnam war vet the other day and this is the first time he has used his entitlement. It is quite a shame that our older vets were not made more aware of the great loan program available to them. As it should be, the VA loan is the BEST loan program available to anyone.

Since you are new to the area, I would certainly suggest working with a lender who is local as there are certainly differences in each market and listing agents will prefer to accept a loan from a buyer who is using a local lender. One other hurdle you may encounter is the bias some listing agents have against accepting FHA and VA offers as they feel that those loans are less likely to close. In order to overcome that bias, it is very, very important to be working with a real estate agent that is excellent at establishing rapport with listing agents and has a proven track record of success in getting their offers accepted. I can make you a referral to a fantastic agent team that consistently gets their offers accepted when I often see many agents making offer after offer only to get them rejected.

I have been originating mortgage loans since 1992 and have extensive experience with VA financing. We process, underwrite and fund all our VA loans in house, so I am in the same office with everyone who will handle your file. This allows us to have complete control over the process so that there are no surprises for you.

Please let me know if you'd like my help with your financing.

Brian Cardenas, Sr. Mortgage Banker
AmeriFirst Financial, Inc.
Mobile: 480.233.7897
0 votes Thank Flag Link Thu Jul 26, 2012
Hi Rhianna,

Jason Spears with Academy Mortgage is the best VA loan guy in Arizona. He has a Quick Application right on his website fill that out and he'll get back to you quickly. It's a lot of personal information, if you're uncomfortable with internet security, you can make an appointment to meet, call him to set that up.

I do advise you to not ask the seller for closing costs contribution, not in this seller's market we find ourselves in. It'll be hard enough to find a seller willing to accept a VA loan, the VA appraisers have a reputation of being particularly picky about a house's condition.

0 votes Thank Flag Link Thu Jul 26, 2012

We have a couple good lenders if you still need one. Please don't hesitate to contact us. Also, you can search the official, active, FlexMLS for home like we do through our website at:

If you need help finding your new home, please call, we would love to help

Best Regards,


Ron & Brenda Cunningham
West USA Realty
Ron 602-499-0694

*** Recognized in the Phoenix Business Journal as "One of the Top 50 Realtors in the Valley" ***
0 votes Thank Flag Link Thu Jul 26, 2012
Certainly, though not affiliated with the Government, Veterans United is a well respected VA loan lender. I am currently working with a client that is a veteran and he has a fantastic loan officer there that I would highly recommend. If you are interested, I can provide additional contact info. If you are looking for a lender locally that provides VA loans, I know a fantastic mortgage broker right in the Peoria area. Some people like to meet face to face with their loan officers rather than over the phone. He will work with you and your fiancee to get the best VA loan possible. Do you have a certain time frame that you have to move by or are you just seeing what you can qualify for first? Either way, I'd be more than happy to assist in any way possible.

Best regards, Neema Enriquez
0 votes Thank Flag Link Thu Jul 26, 2012
Hi Rhianna,

I work with a great VA approved lender. Please contact me at 602.931.9525 or peverett@hsmove and I will be happy to help you get started.

Pearl Everett
0 votes Thank Flag Link Thu Jul 26, 2012
I am versed in VA loan transactions and I'd be happy to answer any questions that you may have before you proceed. I feel the VA loan program is the best loan out there! Zero down, no PMI and protected on certain closing costs. Please let me know how I can help

Leo Zuniga
Mortgage Banker
Web Reference:
0 votes Thank Flag Link Thu Jul 26, 2012
Thanks to your husband for his service to our country.

I have a great lender who does VA loans: Lynn Gallett of Coldwell Banker Mortgage, or 480-560-1732.

I work in the East Valley, including Mesa, Chandler, Gilbert, and Queen Creek. If that's where you are looking, please give me a call at 480-789-9584 or email me at I have plenty of experience with people relocating to a new place and would love to help you out.

Best of luck,
Ann Griffin, Realtor, ABR, E-PRO, SRES
Coldwell Banker Trails and Paths
2913 N. Power Rd, Suite 101
Mesa, AZ 85215
0 votes Thank Flag Link Thu Jul 26, 2012
My lender does VA loans. His name is Ron Sublett with Homeowners Financial and his number is 602-228-4911 or 480-305-8730.
0 votes Thank Flag Link Thu Jul 26, 2012
Hello Rhianna:

I would be glad to help you and your fiance with financing for your first home. I really enjoy working with first time homebuyers, for the opportunity to explain how the whole process works and because you and others like you are so excited to be getting into your first home. :)

I am sure you will get a number of referrals, so why me? I have done my share of VA loans and I have been doing mortgages, in general, for over 13 years. Please go onto my LinkedIn site (see below) to see what others have said about my level of service, then please give me a shout and we can begin the process.

Bill Parker, Loan Officer
AZ Lic# 09011570
NMLS #223607
CPA--Licensed, no longer practicing

Legacy Group Lending, Inc.
15333 N. Pima Road, Suite 300
Scottsdale, AZ 85260
(O) 480-993-3080; (M) 602-565-3646; (F) 480-993-3081

MISSION STATEMENT: To create an unbelievably enjoyable experience for my clients, while guiding them through the most important financial transactions of their personal lives. My clients know me as their Mortgage Lender for Life. I truly appreciate your referrals.

If you think it's expensive to hire a professional to do the job, wait until you hire an amateur.
Red Adair, Oil well firefighter
0 votes Thank Flag Link Thu Jul 26, 2012
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