VETERAN BENEFITS IMPROVEMENT ACT OF 2008
Passed by Congress and signed into law by the President
You are entitled to the full benefits of the Department of Veterans affairs Interest Rate Reduction program. All you need to do is call (801) 871-3739 to apply for this Interest Rate Reduction.
Your eligiblity will give you a VA mortgage holder the right to the following Veterans Benefits:
- Postpone next 2 mortgage payments
- No Out of Pocket Costs
- NO minimum FICO score*
- NO Appraisal
- Home Improvement up to $6000 (Energy Efficiency Loan)
- NO income or employment verification
- NO UP FRONT payments to lock rates or process loan
- We can do Manufactured Homes (Firm Foundation)
2.25% 30 YEAR VA INTEREST RATE ARM
(2.269% Annual Percentage Rate)*
VETERANS ARE BEING GIVEN THE LOWEST RATES IN OVER 40 YEARS AND THIS MAY NOT LAST MUCH LONGER!
Call a VA loan specialist and start taking advantage of your benefits today!
This is a VA Program, we are not affiliated with any government agencies or the Dept. of Veterans Affairs. *We do not have a minimum fico score for the Veteran but will look at your overall credit if you are below a 620 and make a decision based on your total credit profile. Annual percentage rate is based on $100,000 amount financed, $1000 origination fee, no down payment, and 360 monthly principal and interest payments of $382.25. The above program is a VA Arm Hybrid program fixed for initial 3 years before first change at .12 index and 2 margin. We are required by law to list the following licensing information. VA Help Center UT #8942773; Express Lending Group, LLC is licensed as: NMLS No. 1078751: California Finance Lenders License #60DBO43741; Florida Mortgage Broker License #MBR2011; Georgia Mortgage Broker #47382; Maryland Mortgage Lender License #06-22039; North Carolina Mortgage Broker License #B-168253; Utah Mortgage Lender Company 85181277; TX. Located at 1144 Airport Blvd., Suite 260, Austin, Texas 78702. In certain states in which we do conduct business, certain restrictions and limitations apply. Rates and terms subject to change. If you have any questions or comments regarding this offer please email firstname.lastname@example.org. – Equal Housing Lender
Notice to Texas applicants
Figure: 7 TAC §80.200(b)
“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”