Vetfathervaloan

Vetfathervaloan Wm. Dale Beach is a Mortgage Loan Officer and a director of the Veterans Association of Real Estate Professionals (VAREP). Margaret's in Bel Air, Md.

We are committed to your financial wellbeing through our knowledgeable team of familiar faces, valuable products and services, strong ties to our community, and innovative technology that connects you to your money where you work and live. Dale is committed to enriching the lives of his clients by educating them about their home loan benefits, improving their financial situation, and giving them a

place to call home. A Veteran himself, Dale served proudly in the United States Army, and specializes in VA loans — a mortgage loan available through a program established by the United States Department of Veterans Affairs. They are specifically intended to assist active-duty military personnel, veterans, and eligible surviving spouses to become homeowners. Incorporating the principles he learned in the military, he embodies honesty, integrity and loyalty when working with his clients. Carefully assisting and evaluating the options that will benefit his clients most is his top priority. Outside of work, Dale takes the most pride in his role as a father to his 9-year-old son who's currently enrolled in St. In his free time he enjoys supporting his son's soccer and basketball teams, four-wheeling, and he's an avid car enthusiast. Dale loves making new professional acquaintances. Please reach out if you want to "talk shop" about anything Veteran or mortgage-related.

12/11/2025

Mortgage Rates Improve After Fed Announcement. The Fed cut its policy rate by 0.25% today and mortgage rates moved lower after the announcement. That said, those two developments are not related. In fact, there was no movement in the bonds that underlie mortgage rates when the rate cut was announced. Instead, the market (and rates)... More here - https://www.mortgagenewsdaily.com/markets/mortgage-rates-12102025

What is your biggest home-buying hurdle right now? . . Want to learn more about the home buying process? DM me 📥  and le...
07/23/2025

What is your biggest home-buying hurdle right now? . . Want to learn more about the home buying process?

DM me 📥 and let's discuss your specific scenario

📣 VA Home Loan Update – Did You Know? 🇺🇸🏡Back on August 10, 2024, the VA made an important change—Veterans are now allow...
07/11/2025

📣 VA Home Loan Update – Did You Know? 🇺🇸🏡

Back on August 10, 2024, the VA made an important change—Veterans are now allowed to pay for their buyer’s agent’s commission if they choose to.

This update has been in place for a little while now, but many buyers, agents, and even some lenders still aren’t aware of it. In today’s market, this flexibility can make a big difference in getting offers accepted and keeping deals together.

If you’re a Veteran—or work with them in real estate—this is something you definitely want to keep in mind. I’m always here to help you navigate the VA loan process and make sure you understand all the benefits available.

🇺🇸 Proud to serve those who have served!

VA Loans do not require a down payment.  This means you can purchase a home with 100% financing of the purchase price.  ...
01/13/2025

VA Loans do not require a down payment. This means you can purchase a home with 100% financing of the purchase price.

However there could be a benefit to put a down payment, if the Veteran is not exempt from the funding fee. The funding fee is a percentage of the purchase price, the percentages are listed below.

No down payment: 2.15% for first-time use, 3.3% for subsequent use
5% or more down payment: 1.5% for first-time use, 1.5% for subsequent use
10% or more down payment: 1.25% for first-time use, 1.25% for subsequent use

If you have any questions let me know 🇺🇸

Did you know…..that the VA loan does not have a loan limit?!?However each investor is going to have an overlay that stat...
01/09/2025

Did you know…..that the VA loan does not have a loan limit?!?

However each investor is going to have an overlay that states their maximum loan amount.

As the loan amount increases the investor might have additional requirements such higher credit scores, lower DTI (debt to income ratio) or even require a down payment.

This is different than the VA county loan limits! The VA county loan limits only become a factor when you have multiple ACTIVE VA loans

If you have any questions feel free to reach out 🇺🇸

5.0 star review received on Experience.com for Dale Beach by Morgan H - Dale  was  awesome!
12/12/2024

5.0 star review received on Experience.com for Dale Beach by Morgan H - Dale was awesome!

Click to see all 84 reviews of Dale Beach, Mortgage Loan Professional | NMLS # 1573051

5.0 star review received on Experience.com for Dale Beach by Roger C - Dale exceeded the expectations providing his prof...
12/10/2024

5.0 star review received on Experience.com for Dale Beach by Roger C - Dale exceeded the expectations providing his professional advice for my home buying needs. I couldnt have asked for a better person to be in my corner for this purchase.

Click to see all 83 reviews of Dale Beach, Mortgage Loan Professional | NMLS # 1573051

5.0 star review received on Experience.com for Dale Beach by Alexander J C - Great  Communication and  very  quick  to  ...
12/08/2024

5.0 star review received on Experience.com for Dale Beach by Alexander J C - Great Communication and very quick to respond

Click to see all 82 reviews of Dale Beach, Mortgage Loan Professional | NMLS # 1573051

5.0 star review received on Experience.com for Dale Beach by Deslin K - Very communicative and great at explaining thing...
12/06/2024

5.0 star review received on Experience.com for Dale Beach by Deslin K - Very communicative and great at explaining things

Click to see all 81 reviews of Dale Beach, Mortgage Loan Professional | NMLS # 1573051

5.0 star review received on Experience.com for Dale Beach by Mark E S I - Dale  and  his  team  were  exceptional,  they...
12/03/2024

5.0 star review received on Experience.com for Dale Beach by Mark E S I - Dale and his team were exceptional, they had the answers to any wuestions questions I had in which my case were many.

Click to see all 80 reviews of Dale Beach, Mortgage Loan Professional | NMLS # 1573051

5.0 star review received on Experience.com for Dale Beach by Susan F - . Communication between everyone involved.
11/20/2024

5.0 star review received on Experience.com for Dale Beach by Susan F - . Communication between everyone involved.

Click to see all 79 reviews of Dale Beach, Mortgage Loan Professional | NMLS # 1573051

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White Marsh, MD

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