Jimmy McCall

Clarksville's Mortgage Consultant
Jimmy McCall of Legacy Mortgage Services, Inc. is dedicated to helping the families of Clarksville, Dickson and the Ft. Campbell area purchase or refinance a home.
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1. Helping military service members into a home:
As a Mortgage Consultant I advise my clients on the most effective ways to use a mortgage to reach their goals? Because of our community, the VA home loan is a big part of my practice and it has helped many families get into a home with no money down. I believe every military service member and veteran should be aware of his/her VA benefits. Furthermore, I would like to guide you through the loan process and help you into a home using your VA benefit.
Most people have two questions they want answered concerning their VA home loan benefit. What does the VA do and can I get a VA loan to buy a house?
The VA does not actually lend money. They guarantee to the lender that should a borrower default on a loan the VA will compensate the lender; thus, making lenders more confident to lend money at lower interest rates. This program as of May 2006, has issued more than 18 million VA home loan guarantees. Today, qualified veterans and active duty military in the Clarksville area can obtain a loan of up to $417,000 with no money down.
To qualify for VA home loan benefits a person has to meet minimum service time requirements (typical 2 years for veterans and 6 months for active duty), pass a minor credit review and show the ability to pay the monthly mortgage payment. The VA wants to see stability in a person's income and credit history over the last two years.
If you meet the minimum service time requirement and have had a stable work and credit history over the past two year there is a very good chance you will qualify for a VA home loan.
2. Helping people into their first home:
The great thing about the VA loan is that I get to work with a lot of first time home buyers. There is nothing more rewarding in the mortgage business than helping someone purchase their first home. The commissions are typically smaller but the satisfaction of helping first time home buyers is priceless. Their are a lot of firsts envolved in these transactions and the support I give my clients makes it easier to solidify a genuine relationship. My clients know they mean more to me than a transaction, I see my clients as friends. Getting to the closing table can be a logistical nightmare. There is more going on behind the scenes then my clients really care to know. Documents are being verified, money is being wired, schedules are being altered, etc. So, my client know I have their best interest at heart. So, when everything comes together the actual signing tends to be smooth and my client are happy.