Won’t you join me?
I’m Brian Brady and GOOGLE calls me “America’s #1 mortgage broker”. You’re probably wondering why you, a veteran of the US Armed Forces, should know who I am and why you should listen to me. Well, I have a plan to save this economy of ours and I need your help to do it. I’m not looking for a bailout and I imagine you aren’t either. That’s why I carefully selected you. I think I have a way to save you at least $100/ a month, on your VA home loan, with the VA Interest Rate Reduction Loan.
That’s a hundred bucks a month you can spend or invest…
…and I’m betting that by saving or spending that hundred bucks, you and I can get this economy jump started again. Maybe I’m being a little bit facetious when I suggest that you and I can save the economy by reducing the interest rate on your VA home loan. The principle, however, makes a lot of sense. You see, mortgage rates have dropped like a ball off a table, this past week and I don’t know how long they’re going to stay this low. I just locked a veteran into a 5.875% rate for a $300,000 refinance, using the VA Interest Rate Reduction loan. When I told him how easy it was and how he was going to save OVER a hundred bucks a month, he made the wisecrack about spending that money to jumpstart the economy. You don’t have to do that, though. In fact, don’t refinance your home loan for altruistic reasons…
Do it because you’re a capitalist and you want to get a VA mortgage rate under 6%
It’s really quite easy. You don’t need an appraisal, don’t need to re-qualify and assemble all of your income documentation. If you’ve been making your mortgage payments on-time, you’re virtually guaranteed to get your mortgage rate lowered on the VA loan.
VA Refinances are DESIGNED to be simple and easy. The VA knows that you’re a pretty good bet so they built in a refinance provision into the underwriting guidelines. Here’s what you’ll need to show me to get your new low rate:
· A copy of the original note (from when you got the mortgage)
· A copy of your DD-214
· A copy of your mortgage statement (from the existing lender)
· A copy of your homeowner’s insurance policy (unless it’s a condo)
That’s it! You’ll need to sign a stack of papers and I’ll prepare them for you. We also have to get a title insurance policy but I’ll get that for you. Then, we submit the documents to a new lender, showing that you meet all the VA-approved underwriting guidelines for the interest rate reduction loan, and we sign the new loan documents. It’s really simple and we pride ourselves on making it easy for you.
Let me share a testimonial with you, from one of our happy customers. Her name is Jessie Kasztelan and she’s married to a Naval aviator. You can read the full testimonial she wrote online at: http://forums.redfin.com/rf/board/message?board.id=SanDiego&thread.id=557
I may have been one of the first VA loans to close without any money down since the President signed H.R. 3221, the Housing and Economic Recovery Act of 2008 on July 30th. I couldn't be happier that I was able to buy a great house here in San Diego and use the money I saved on a down payment on remodeling instead all thanks to Brian (America's #1 Mortgage Broker on Google).
I really can't say enough good things about him and he even put me in touch with some amazing real estate agents. If you can use your VA benefits I would suggest doing it before the end of the end of the year, when the guidelines change again. Look this mortgage guy up and give him a call, seriously!
I was excited when we closed her loan but ecstatic when I saw she was posting this to all of the VA loan forums in San Diego. I’d love to take all the credit but the truth is that we have a REALLY sharp team, here at World Wide Credit Corp. This ain’t our first rodeo; we’ve been funding VA loans from our office, in Kearny Mesa, since 1991.
What if my house dropped in value?
Any other loan program wouldn’t work…but things are different with VA loans. The VA understand that if they can insure a mortgage, that improves the veteran’s financial position (as in, SAVES YOU $$$), everybody wins.
APPRAISALS ARE ABSOLUTELY NOT NECESSARY
Here’s Where It Pays To Know Me
I’m gonna work this weekend. The cool thing about my world is that I can lock-in a rate under 6% for you from the comfort of my own home. All I need is for you to call, give me some basic information, and I can lock the rate from my laptop computer, while I’m watching the Chargers beat up on the Falcons (assuming the game isn’t blacked out). I imagine you’ll get this letter on Saturday. Go ahead and call me Saturday or Sunday. My number is 858-777-9751 and it rings on my cell, my office, and my house.
Let’s review our plan, here. You can read the whole thing at www.BattleBack.com but I’ll give you the basic highlights, right here:
· VA rates are under 6%…for now (but they may go back up)
· No appraisal is needed to lower your VA mortgage rate
· NO re-qualification is needed
· If you made all your payments on time, you’re eligible
· We can lock your rate in before 10PM on Sunday night
· I’ll take your call, all weekend, at 858-777-9751
· We can knock this thing out before Christmas
Kind of a no-brainer, huh? We’re going to turn this economy around, you and me. Let’s get started, shall we?
Brian Brady
(858)-777-9751
PS: I know I’m not the best writer in the world. In fact, I know I probably misspelled a few things or didn’t use the “King”s English” properly. I’m betting that you don’t care. I’m betting that you want someone who understands YOU, understand the VA loans, and takes a no holds barred, No B.S. approach to getting the job done right the first time. I’ll do just that.
PPS: I don’t think we have lots of time to jump on this. I think that if the government keeps bailing out all these Wall Street fat cats, investors will eventually realize just how much money the government is borrowing…and that will drive mortgage rates up. I can’t guarantee that this is the lowest VA rates will go but I’m pretty sure they’re the lowest they’ve been since you got your loan.
I’m not saying…I’m just sayin’.
