Education

VA Loan vs. Traditional Mortgages

Veteran and military homebuyers have access to one of the most unique and powerful loan programs ever created. Today, the VA Mortgage is more important than ever. In recent years, lenders nationwide have tightened their lending requirements in the wake of the housing market collapse, making the VA loan a lifeline for Veterans and active Military homebuyers, many of whom find difficulty when faced with tough credit standards and down payment requirements. Like all home loans, VA Mortgages have considerable details and information to review which our team will help guide you through step by step in a way that is easy to understand.

Purchase & Refinance

VA Home Loan Program

The VA Home Loan program provides qualified homeowners with a simple way to take advantage of lower rates and decrease their monthly mortgage payment. Beyond that, military homeowners can get cash back on a VA refinance and use the proceeds for a variety of needs, from paying off debt or making home improvements and much more. The current economic climate makes now a great time or many military homeowners to take advantage of the numerous benefits found in a VA refinance.

VA Streamline Refinance and VA IRRRL

Two main programs help VA borrowers refinance to a lower rate — the VA Streamline Refinance, also known as the Interest Rate Reduction Refinance Loan (streamline), and the VA Refinance (cash out).

Contact Us to Schedule a Mortgage Consultation!

I would highly recommend you guys (Tim and Annie Porter) for a VA loan super easy to work with very knowledgeable and made the process simple.

James Moore Senior Airman

Tim and Annie Porter are worth their weight in gold. They are knowledgeable professionals who not only know the local communities but are compassionate people to the needs of the customers they serve.

Abe & Remy Bautista US NAVY

Tim and Annie Porter helped me with a refinance using a VA loan. With their help, everything, from start to finish, went seamlessly.

Paul Reissig US Army Veteran

Tim and Annie are just all-around amazing! They have taken care of us since day one! It’s been almost 3 years since they put us in our dream home and they are STILL by our side taking care of all our mortgage needs. You couldn’t ask for a better team that not only exudes professionalism, but truly invites you into their Solano mortgage family and makes you feel welcome, comfortable, and special. We have witnessed this with several of their clients. They take each case to heart and truly give it their all! No doubt Annie will win your heart with her beautiful, infectious smile and Tim with his genuine heart and upbeat personality! We just love you two!

Harold Bell USMC Tabitha Bell

Tim and Annie did an outstanding job handling my family’s VA refinance. I greatly appreciate their service, time, dedication, professionalism, and patience. I would recommend their services to anyone; active duty, veteran, or civilian who are interested. From first time home buyers, as we once were, and those looking to refinance. Thank you, Tim and Annie.

Christopher Vogelpohl