Patriot Pacific Financial Corp - The Small Team

07/11/2025

This was a special closing for me. About 7 weeks ago, a couple Googled me and set up an appointment to come and talk to me. They didn't think they would ever be able to purchase a home and would be "stuck" renting. I told them about our "Forgivable Grant", which gave them all the down payment money they needed. On Wednesday, they got their keys.

06/15/2025

What is a VA Cash Out Refinance?

A VA cash out refinance is a mortgage refinancing option exclusively available to eligible veterans, active-duty military personnel, and surviving spouses. This loan allows you to replace your existing mortgage with a new, larger loan and receive the difference in cash. Unlike conventional cash-out refinances, VA loans come with significant advantages that make them particularly attractive for military families in the Tucson area.
The process involves refinancing your current mortgage for more than you currently owe, giving you access to the difference in cash. This cash can be used for various purposes, from home improvements to debt consolidation or major life expenses. https://joesmylender.com/va-cash-out-refinance-tucson/
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Tap into your home equity with a VA Cash Out Refinance in Tucson. Great rates for veterans. Refinance and get cash today!

05/31/2025

This one was a special one for me. Past client, VA loan... and a contingency. All came together nicely.
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05/26/2025

What is a VA loan and who is eligible? A VA loan is a special type of home financing made available through approved private lenders—such as banks and credit unions—but backed in part by the U.S. Department of Veterans Affairs. This government backing gives lenders greater confidence, enabling them to offer more flexible and affordable loan terms to qualified applicants.

You may be eligible for a VA loan if you fall into one of these categories:

Active-duty military members who have served at least 90 consecutive days during wartime or 181 days during periods of peace.

Veterans who have completed the required service and received an honorable discharge.

Members of the National Guard or Reserves with a minimum of six years of qualifying service or who have completed certain periods of active duty.

Surviving spouses of service members who either lost their lives in the line of duty or passed away due to a service-related injury or condition. Some may also qualify if they’re receiving VA Dependency and Indemnity Compensation (DIC).

To apply for a VA loan, you’ll need to obtain a Certificate of Eligibility (COE), which verifies your qualification status. This can be done online through the VA’s portal or directly through your lender. , ,

https://joesmylender.com/arizona-va-home-loans/

04/19/2025

Exciting news — the map is growing! I’m thrilled to now be able to serve clients in New Mexico and Michigan. If you or someone you know is looking to purchase a new home or refinance in either of these beautiful states, I’d be honored to help make the process smooth and successful. Feel free to share my information — I’d love the opportunity to connect and assist! , , ,

04/06/2025

New guide to help Veterans with understanding a little more about the VA home loan. https://arizona-va-homeloans.com/va-loans-the-ultimate-guide-for-veterans/
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Discover how VA loans make buying a home in Arizona a little easier for veterans and active military— competitive rates, no down payment, and less stress!

03/18/2025

Super excited to help out this young, first-time homebuyer with this purchase. She orginally was under contract back in October/November, but fell apart as the seller refused to do any repairs. This wasn't a way to start your homebuyer journey off, but she didn't let it discourage her.... and now she is offically a homeowner. , ,

03/16/2025

Just Funded my first loan in Maryland. Always a pleasure to help assist homebuyers in other States. This purchase was special to her because it was her mother's home, which she grew up in. Brother and Sister wanted to sell it and split the proceeds... but we were able to make it happen for her to pay off everyone and keep the home.
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02/28/2025

Just a few weeks ago, I received a call from a Veteran. He had "Googled" me, as he had a few VA questions. After speaking with him, I told him that none of this sounded accurate and I gave him all the ammo from the actual VA guidelines to go back to his loan officer with. You see, he was under contract on a new construction and the loan officer had called him to tell him they needed to switch his loan to an FHA and that he needed to put down 3.5%, as he now didn't qualify for a VA loan. This one got under my skin, as he earned this benefit and was entitled to use it. A few hours later, he had called and asked if he could switch to me ... and if I could close by the end of the month. I said, sure. Super happy that I was able to get this veteran into a program he earned and deserved. , , ,

02/28/2025

Here is my latest map update. Now licensed in Washington State and Virginia. More to come soon.
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02/21/2025

Another VA Homebuyer Class in the books. Had a great time busting VA loan myths and dropping knowledge about the VA home loan benefit to a fine group of Veterans. Shout out to the great staff at Dave & Buster's for helping us with a great location and delicious food. , ,

02/21/2025

Charles, Kathy and I met up for breakfast at First Watch to discuss our upcoming VA Seminar. While eating, 4 CBP agents came in and sat behind us. After they ordered, Charles quietly told the waitress that we were going to pay their bill, which we did. After we finished eating, we let them know that breakfast was on us... and asked if any of them were Veterans, which all of them were. Invited them to our Veterans homebuyer education class at Dave & Busters. I also whipped out my new amazing VA app and had them scan it. Great group of guys. , , , ,