Amy,

The key is to find a company that can do VA loans AND a loan officer who's experienced. They are a unique breed of mortgages. Either somebody really knows them or knows very little.

There is many reasons for this. Too many to post in fact. Either the loan officer is a specialist or they are not. That simple.

We are a VA and FHA lender. What I can tell you is that we close in a matter of 2 Weeks Guaranteed (I can further explain if you want). What I cannot do is make up your mind. You should feel comfortable with whomever you chose. As I always say, perception is the client's reality.

Amy: You have been given lots of good information and names. Good luck in your decision making. All lenders are not dishonest...only a few in the barrel spoiled the reputation of the rest.

Like Scott said below - use the Good Faith Estimate to shop lenders. Make sure to watch the numbers they input for taxes, HOA, homeowners insurance etc. to shop apples to apple. Some lenders alter these numbers to make the overall number look better. Just something to watch out for. I have two lenders I recommend:

Ricky Khamis - Nova Home Loans - http://www.approvingaz.com

Nathan Jensen - Waterstone Mortgage - http://www.jensenlendinggroup.com

Rashel M. Beaver | Realtor® | DevStar Realty
D - 1.888.808.2175 M - 480.734.3787 F - 1.866.497.1809 http://www.azhomeexplorer.com OR http://www.rashelbeaver.com
I Use DOCUSIGN! Electronic Signatures Save Time!

HI Amy,

Thank you for your service to our country.

These are the lenders that I recommend.

RYAN HALLDORSON
Senior Mortgage Consultant
Smart Financial Mortgage
1715 W Northern Ave Phoenix, AZ 85021
Phone: 602.793.7204
E-Fax: 602.889.2258
ryan@hsmove.com


BUTCH KAHLER
Loan officer with WJ Bradley Mortgage
9237 E Via De Ventura Suite 100 Scottsdale, AZ 85258
480-648-2200 (office)
602-790-6676 (mobile)
butch.kahler@wjbradley.com


DANIEL LOPEZLIRA
Owner of DDL Mortgage, LLC
5717 East Thomas Road, Suite 10 Scottsdale, Arizona 85251
602-445-9894 (office)
602-617-2463 (direct)
480-302-8708 (fax)
dannyl@ddlmtg.com http://www.ddlmtg.com


DON ALIX
US Bank
17851 N 85th St #205 Scottsdale, AZ 85255
480-538-5681 (office)
602-290-2900 (mobile)
480-538-3222 (fax)
Donald.Alix@USBank.com


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PAUL WELDEN
HomeSmart
602-503-4010
Exclusive Buyer's Agent Realtor

Amy,

I know that right guy! Not only is a great lender he is a Veteran too! He has all the necessary contacts during the process! He specialilizes in VA lending

Jimmy Vercellino Prime Lending
Cell 602-908-3849
Off 480-538-4980



Feel free to contact me with any questions!

Lucinda Tkach
Windermere Central
lucindat@windermere.com

Angie - 480-220-5627 - The Lending Company - 25 years in lending and gov loan specialists

Amy,
Use this Good Faith Estimate form to shop quotes from several lenders, while at the same time trying to find a loan officer who is friendly and helpful. This form will help you keep the quotes in perspective, Call me if you have any questions.
http://www.dfi.wa.gov/consumers/education/home_loan/home_loa…

Scott
AZ's REBATE REALTOR®
480-216-8668

Amyshea15,

The best advice I can give you is to interview a few lenders to see who can be the best match for you. When they give you a GFE (Good Faith Estimate) make sure you do a fair comparison of only the items they can control and not the items that will be fix no matter who your lender is, like taxes, some pre-paids, etc.

Also when shopping make sure that your credit is pulled only once. Pulling your credit too much can affect your credit. I always give my clients contact information for 2 or 3 lender so they can compare and choose the best one for their specific needs.

Please let me know if you want a list of a few proven local VA lenders.

Thanks and good luck!

Carlos J. Ramirez, PC, ABR, CNE
Associate Broker/Realtor, HomeSmart -
http://www.SmartAZRealty.com

Hi Amytshea15,

At the risk of being accused of "shameless self promotion," my company can help you with this. I have client and realtor references I am happy to share with you to attest to my ethics, honesty with a true desire to help my clients with low interest rates, low fees and fast closings.

Check us out at http://www.ezAZloan.com. Feel free to contact me this weekend.

All the best,
Ros

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

I recommend Kelly Powers, 602.332-3282....I've used her to many years, and she is excellent.

I can understand your frustration because I recently helped my father get a VA loan. A lot of the information on the internet takes you to various mortgage companies, some of which can't help you. Most lenders can do VA loans because it's a guaranty from the VA, not an actual loan through them. I have a list of a several mortgage officers that I have worked with for years and would be happy to send you their contact information.

Here is address to the VA website, the real government one:
http://homeloans.va.gov/

Here is the address for the Phoenix VA office:
http://www.vba.va.gov/ro/phoenix/Index.htm

If I can be of any further assistance, please don't hesitate to call or email me.

Susan Ellis
Mira Vista Properties

susan@phxdreamhomes.com
602-388-0200