09/23/2026
Real Scenario: a couple of young veterans get married and want to buy their dream house together. Their original lender told them that because they currently both own homes and used their VA benefits to buy each house that they would be forced to either sell or refinance their current homes in order to use a VA loan to buy this new house together.
The clients called us for a second opinion and I’m SO SO GLAD they did! We took a deeper look, talked to some underwriters and ran the analysis. We accessed their bonus entitlement and when combining what they had left there was plenty to get this new house purchased with their VA benefits WITHOUT touching their current VA loans.
The overall impact: these veterans got to keep their current homes, rent the homes out, maintain their 2.5% interest rates on those rental homes, and started off their investment portfolio with an incredible cash flow - which made a meaningful financial impact on their lives!
Because they called us for a second opinion:
- they didn’t have to pay closing fees to refinance to a higher rate
-they didn’t have to sell the homes
-they did get their dream home and everything went seamlessly! (not to mention our rate was 0.25% better than their previous lender!!)
We’ve said it before but here’s a story with proof: having a true home loan expert on your team will save you THOUSANDS of dollars. We’re here to help! Call us!
Can you do us a favor? Share this post - you never know if someone you know is buying a home or looking to refinance that could use our help.
*This is a real scenario, however, each situation is different. Call an expert to review your specific scenario.
Cash & Randi Coleman, Mortgage Loan Officers
(406) 219-7787 | [email protected]
Company NMLS #2273319 | Cash NMLS #2495933 | Randi NMLS #1778413 | Equal Housing Lender