VA loans are amazing! If you are a veteran or in the service, you may be eligible to buy a home with 0 down. If you own a home and want to refinance you can cash out up to 100% of your home's value without mortgage insurance. If you are a surviving spouse of a veteran, you may also be able to take advantage of these benefits. Call me with any questions and help!

1. Since 1944, the VA loan program has opened the doors to homeownership for millions of deserving
veterans and active-duty personnel. Thanks to the VA program, veterans have significantly higher
homeownership rates than the general population. If a buyer can qualify, VA loans are one of the
best products available today.
The program has a number of benefits, including:
• No down payments (unless the purchase price exceeds the reasonable value of the property)
• No private mortgage insurance
• Competitive interest rates
• Closing costs are regulated
VA loans are available for veterans, active-duty personnel, reservists/National Guard members,
and some surviving spouses.
Please contact me today to see if you qualify. It would be a pleasure to help.
What you need to know about the VA loan program
Opening the
Doors to
Homeownership
Jenny Montoya NMLS# 1248181
Sierra Pacific Mortgage Loan
Officer
3 Corporate Park #210 Irvine, CA
92606 jenny.montoya@spmc.com
Office: 949-870-4008 Cell:
714-468-7549
LENDER
EQUALHOUSING
© 2016 Sierra Pacific Mortgage Company, Inc. NMLS ID #1788 (www.nmlsconsumeraccess.org). CA DBO/RMLA 417-0015 (02/15)