Veteran Community Mortgage - Luke AFB

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Veteran Community Mortgage - Luke AFB

A team of Veterans, military spouses, and dedicated patriots with a mission to simplify the PCS process and empower military families.

We proudly serve those who have served by making the journey to homeownership smooth, transparent, and supportive.

04/16/2026

VetFest 2026 is a wrap! 🇺🇸

Events like this are a reminder of how strong and connected the veteran community is here. From local organizations and small businesses to families just stopping by to say hello, it was an incredible turnout.

Shout out to the City of Surprise and America’s Mighty Warriors for bringing this event to the veteran community here in the west valley!

If you didn’t get a chance to stop by our table to check the status of your VA loan benefit, send us a message. We’re always here to help!

04/15/2026

Today is Purple Up Day in honor of military kids 💜

These kids may not wear the uniform, but they are some of the most adaptable, resilient, and kind humans you will ever meet.

They learn how to make new friends quickly, step into new environments with courage, and build community wherever they go. They understand change in a way most people never have to, and they handle it with a strength that is genuinely inspiring.

Purple represents all branches of the military combined. Today, it represents the strength and spirit of military children everywhere.

If you’re raising one of these incredible kids, or you were one, this day is for you.

And if you know a military child, take a moment to celebrate them today.

03/05/2026

📣 Big News for Homebuyers: Fewer Spam Calls After Your Credit Is Pulled

Starting TODAY, March 5, a new federal law called the Homebuyers Privacy Protection Act is changing how consumer credit information can be used during the mortgage process.

If you have ever applied for a mortgage and suddenly received calls, texts, and emails from lenders you never contacted, this update is intended to address that issue.

Here is what used to happen:

When a lender pulled a borrower’s credit for a mortgage application, credit bureaus could sell that information to other lenders. Those lenders would then reach out to the consumer trying to win their business. These are commonly referred to as trigger leads.

Many buyers experienced dozens of calls within minutes of applying for a mortgage.

Here is what is changing:

The new law limits when credit bureaus can share consumer credit reports connected to a residential mortgage transaction. As a result, the volume of unsolicited calls and texts after a mortgage credit pull should decrease significantly.

Trigger leads are not completely banned, but the circumstances under which they can be used are now much more restricted.

What this means for buyers:

Consumers should see far fewer unsolicited calls after applying for a mortgage and will likely hear primarily from the lender they intentionally chose to work with.

What this means for real estate professionals:

This change will likely push the industry further toward relationship-based lending and referral partnerships rather than lenders purchasing lists of consumers who just had their credit pulled.

For consumers, it is also important to understand that if calls did occur in the past after applying for a mortgage, it was typically not because their lender shared their information. In most cases, it came from credit bureaus selling trigger lead data.

The goal of this legislation is to strengthen consumer privacy and reduce unwanted solicitation while borrowers are in the middle of the home financing process.

02/28/2026

When headlines start using words like war, it hits military families differently.

For some, it is a sudden tightness in the chest.
For others, it is the quiet mental checklist that begins running in the background.
It is group chats lighting up. It is news notifications that are hard to ignore. It is children who may not understand the details but can feel the tension.

Military families live with a baseline understanding that service means sacrifice. But when global tensions escalate, that understanding becomes very real, very fast.

There is pride.
There is resilience.
There is unwavering support for those who serve.

And alongside that, there is worry. Uncertainty. Waiting.

Moments like this also carry a different weight for many Veterans. For those living with PTSD or combat-related trauma, constant news coverage, images, and commentary can be triggering. It can bring back memories, increase anxiety, disrupt sleep, or intensify hypervigilance. If you are a Veteran who feels on edge right now, you are not alone. Your reaction is valid, and support is available.

If you are feeling overwhelmed, please consider reaching out.

• Military OneSource offers free, confidential non-medical counseling for service members and their families. Call 1-800-342-9647 or visit MilitaryOneSource.mil.
• Military Family Life Counselors (MFLCs) are available on many installations and in schools to provide short-term, confidential counseling at no cost.
• Installation Chaplains offer completely confidential support, regardless of religious affiliation.
• On-base medical clinics and behavioral health providers can connect families with licensed mental health professionals.
• Veterans can access mental health care through the VA at VA.gov.
• If you are in crisis, call or text 988 and press 1 for the Veterans Crisis Line.

Reaching out is not a sign of weakness. It is a sign of strength.

Whatever unfolds, military families and Veterans will continue to do what they have always done: stand steady, support one another, and carry both strength and hope at the same time.

02/26/2026

Military Families: Don’t Forget About This Free Resource

If you are active duty, Guard, Reserve, or a military spouse, there is an incredible and completely free resource available to you called Military OneSource.

Military OneSource is a Department of Defense funded program that offers confidential support for military families and is available 24 hours a day, 7 days a week.

This is not just about housing. It is about life.

What They Can Help With:

✔ PCS and relocation questions
✔ Free financial counseling
✔ Tax filing assistance
✔ Deployment support
✔ Non medical counseling
✔ Spouse employment resources
✔ Parenting and relationship guidance
✔ Elder care support

All at no cost to you.

Military life comes with a lot of moving pieces. Whether you are preparing for a PCS, navigating a deployment, or managing a transition, you do not have to figure it out alone.

Call 800 342 9647
Visit www.militaryonesource.mil

If you ever need help navigating housing questions or understanding your VA home loan benefit, we are always happy to help.

You have earned these resources! Do not hesitate to use them 🇺🇸

02/09/2026

✨ Meet the Team: Kayla Nelson ✨

Kayla Nelson is a Mortgage Loan Officer and Certified Veteran Mortgage Advisor with a deep passion for education, advocacy, and helping families achieve homeownership. A native of Rockwall, Texas, Kayla holds a BBA in Marketing from Midwestern State University and a BSBA in Accounting from the University of West Florida, bringing both strategic insight and financial expertise to every client she serves.

As a military spouse, Kayla has a personal understanding of the challenges that service members and their families face, especially during PCS moves and major life transitions. She is especially passionate about educating eligible borrowers on the VA Home Loan benefit, ensuring they understand how to fully leverage a benefit they’ve earned through service.

Beyond her work in lending, Kayla is deeply committed to volunteering and giving back within the military community. Whether supporting military-focused organizations, educational initiatives, or community events, she finds purpose in serving the same community she proudly belongs to.

In addition to serving military and veteran families, Kayla takes pride in guiding first-time homebuyers through what can often feel like an overwhelming process. She believes homeownership should be attainable and empowering, and she approaches every client relationship with respect, transparency, and a commitment to finding creative financing solutions that fit each unique situation.

Outside of work, Kayla is an avid reader, baker, and houseplant enthusiast. When she’s not working or traveling, you’ll most likely find her at a baseball game with her husband and two boys.

02/03/2026

Let’s take a trip down memory lane!

Every PCS move brings something new: a different landscape, a new set of faces, and a fresh start. But looking back at your favorite duty station, what made it the winner for you?

Was it the views? Those mornings waking up to the mountains, the ocean, or a skyline that never got old?

Or was it the community? The neighbors who became family, the potlucks that turned into lifelong traditions, and the support system that made even the toughest deployments feel manageable?

I’ve seen families thrive in both, and honestly, it’s a tough choice! Whether you were stationed in the Pacific Northwest or a tight-knit corner of the South, those memories stick with you.

Tell me in the comments: Are you Team Views or Team Community? Drop the name of the base that still has your heart! 👇

02/02/2026

Got orders? That mix of excitement and the "to-do" checklist is a feeling many military families know well. One of the biggest decisions you'll face: Should we buy or rent at the next duty station?

There’s no one-size-fits-all answer, but here’s how to break it down:

1. Renting offers flexibility. It’s perfect for short tours or testing out a new area. The trade-off? You’re paying a landlord’s mortgage instead of building your own equity.

2. Buying builds wealth. The VA Loan is a massive advantage, often allowing for $0 down. Many families buy, live in the home, and then keep it as a rental when they move: creating a "breadcrumb trail" of investments.

3. Compare the numbers. We look at BAH rates versus local mortgage payments to see where your money works hardest.

Whether you’re looking for a home or an investment, we're here to help you navigate the process with clarity and zero pressure.

What’s your go-to PCS strategy? Do you prefer the ease of renting or the investment of buying?

01/30/2026

Is buying down your interest rate with points actually worth it? 🏠📉

It’s one of the most common questions we get, and honestly, the answer isn’t the same for everyone. Some lenders might push points as a "must-have" to get the lowest advertised rate, but we take a different approach.

Our recommendation? The decision and the loan structuring are tailored to YOUR specific financial goals and long-term plans for the home. From there, we calculate the secret sauce: The Break-Even Point.

If paying for points saves you $100 a month but costs you $4,000 upfront, it takes 40 months to break even.

- Planning to stay in your "forever home" for 10+ years? Buying down the rate might be a great investment.
- Anticipating a PCS move or a job transfer in 2 or 3 years? You might not see that money back before you sell.

Whether you are a first-time buyer or a Veteran family looking for your next spot, the goal is to make sure your loan structure actually works for your wallet: not just the headlines.

Want to see the math for your specific situation? We can run the numbers for you.

01/20/2026

✨ Meet the Team: Jason Stier ✨

Jason Stier is the Founder of Veteran Community Mortgage and widely recognized as “The VA Loan Boss.” With a family legacy of military service dating back to World War II, Jason has dedicated his career to educating, empowering, and advocating for veterans and military families.

A nationally respected VA loan educator, Jason is known for his deep expertise and his ability to simplify the complexities of the VA home loan process. His passion lies in ensuring service members and veterans fully understand their benefits so they can make confident, informed decisions that support their long-term financial well-being.

Jason’s commitment extends far beyond the closing table. He remains a trusted resource for his clients long after their loans are complete, providing ongoing education, guidance, and support. He is also deeply invested in giving back, actively supporting veteran service organizations, championing military spouse employment, and serving as an executive coach with The Honor Foundation, where he helps prepare transitioning service members for successful civilian careers.

Outside of work, Jason is married to his wife Kirsten and is a proud father to Riley and Everett. He enjoys pickleball, golf, and travel, but his greatest passion remains serving the military community.

At the heart of it all, Jason is the man behind the vision, driving our mission to serve, educate, and advocate for veterans and the families who stand beside them every day.

01/16/2026

Thank you for the glowing review! It's an honor to serve our military families during a PCS!

Address

Luke AFB
Dallas, TX

Telephone

+19723757167

Website

http://Www.veterancommunitymortgage.com/

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