 |
Home
Apply Now!
Payment Calculator
Amortization Schedule
Contact Us!
Benefits of using your VA Home Loan
Common Questions
Rate Tracker
Forms
Things needed for a VA Loan
NMLS #70358
|
VA Purchase - VA Refinance - Zero Down VA Loans - VA Streamline - VA Disability - VA Real Estate
Vancouver, Washington VA Home Loan Team - Since 1992 (Veteran Owned And Locally Operated)
- 0$ Down VA Home Loan to $417,000
- VA Service connected disability as low as 10% saves thousands
- VA Eligibility can be used more than once
- VA Streamline your existing VA Home Loan to a lower interest rate
- Refinance and cash out your present home and receive 90% of it's present value with a VA Loan
- VA Loans, the seller can pay all of your closing costs
- Veterans can do a VA Loan 2 years after a bankruptcy
We Have Helped
- U.S. Army
- U.S. Navy
- U.S. Air Force
- U.S. Marine Corps
- U.S. Coast Guard
- Army National Guard
- Navy Reserve
- U.S.M.C. Reserve
- Army Reserve
- Air Force Reserve
- Coast Guard Reserve
- VA Loans have no mortgage insurance
- VA Home Loans work for Reserve and National Guard components with 6 full years of service
Call now to let us help you get a VA Home Loan! Vancouver WA VA Home Real Estate. 100% VA home Loans Vancouver Washington, VA loans
Why Wait? Call Your VA Home Loan Experts Today! 360.571.LOAN (5626)
800.920.5420 Office hrs: 7am - 5 pm Mon - Fri Find out about all the great VA Home Benefits you have earned! Vancouver WA VA Home Lending Based On Veterans Helping Veterans No Money Down, VA Real Estate Home Team
Michael R FrakesNMLS #71539 Sr. VA Loan Specialist U.S. Navy Retired Direct: 360.567.3768 Cell: 360.904.8729
Mike@VALoanSpecialist.com
Kerry N. GreenwaldNMLS #70269 Sr. VA Loan Specialist U.S. Army/Reserves Direct: 360.567.3761 Cell: 360.910.0651 Kerry@VALoanSpecialist.com
Floyd N. GreenwaldNMLS #11054 Sr. VA Loan Specialist U.S. Army Retired Direct: 360.567.3765 Cell: 360.606.9171
Floyd@VALoanSpecialist.com
Creekside Mortgage Inc. donates $100 for every VA home purchase closed in the name of the borrowing Veteran. This donation provides college educations to children of fallen military soldiers.
Robin Conrad
VA Real Estate Agent
Service US Army
Direct: 360.903.1129
TF: 800.777.7488
|
|
|
|
Vacancies declining reflect recession rebound
April 3rd, 2012
Since the start of the year vacant warehouse space in excess of 245,000 square feet has been removed from local inventory due to being rented. This shows a trend that Clark County’s industrial market is moving, and that the economy is improving slowly. Bill Connelly, vice president for Eric Fuller and Associates Inc. in Vancouver, WA. goes on to say that industrial leasing is also beginning to move at the Port of Vancouver where a railroad project is under way. This new deal is projected to be $150 million construction project.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
Why we think VA is the best way to go!!
March 13th, 2012
We have already told you about FHA’s plans to increase their up front mortgage insurance and monthly mortgage insurance. But wait….there’s more!!
FHA plans to also impose significant restrictions on the amount of money a seller can contribute to closing. FHA has always been good in the residential real estate market offering down payments of 3.5% despite the recession and growing its market share by more than 20%. The problem is while doing this the FHA’s insurance fund capital reserves have deteriorated well below congressional mandated levels. FHA delinquency has risen to 12.4% in that time, almost double that of VA which sits at 6.6%. With all of this happening at the same time FHA is under fire to get their books back in order and rebuild their reserves.
The changes may not be all they have in store for FHA but the initial changes will be painful enough. So, if you are active duty military or a veteran with an honorable discharge a VA loan is the way to go. It is still $0 down with no monthly mortgage insurance and the sellers can still help pay a good portion of your closing costs. With interest rates still historically low and housing prices at their lowest in years, now is the time to buy. If you can go VA you still holding the golden ticket so why wait?
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
Exercise to keep your brain healthy
March 12th, 2012
As we move past the New Years Resolutions and settle into our routines many people discount exercise as the item that needs to stay on the agenda. With March 12th – 18th being Brain Awareness Week it is a good time to think about ways to keep our brain alert and healthy.
“As we get older our cognitive functions slow down. Regular exercise helps prevent age and disease related brain deterioration. Physical fitness benefits the brain not only by boosting our cognitive abilities, but also by helping to reduce the risk of developing Alzheimer’s and dementia. Exercise improves blood flow to the brain encouraging the formation of new brain cells and supplying those cells with oxygen and nutrients. When you exercise your body you exercise your brain! So, when your body is fit so it your brain.
The more regular your exercise program, the more long term benefits your body and brain will derive from it. So, if you feel your heart pumping in your chest and you are breaking a sweat you are doing your brain a huge favor”. For more information on how you can get active contact Stefanie Fisher, owner of Vancouver Adventure Boot Camp at 360-823-9636.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
FHA to roll out new premium structure as of April 1st
March 10th, 2012
We receive regular updates about the changes happening in the market. These updates allow us to keep you as a consumer informed of changes which could affect you. As of April 1st, the FHA is planning on making some changes which will have an impact on all future purchases and refinances through the FHA programs. Please see the updated information below about these changes.
“As part of ongoing efforts to encourage the return of private capital in the residential mortgage market and strengthen the Federal Housing Administration’s (FHA) Mutual Mortgage Insurance Fund, Acting FHA Commissioner Carol Galante today announced a new premium structure for FHA-insured single family mortgage loans. FHA will increase its annual mortgage insurance premium (MIP) by 0.10 percent for loans under $625,500 and by 0.35 percent for loans above that amount. Upfront premiums (UFMIP) will also increase by 0.75 percent. These premium changes will impact new loans insured by FHA beginning in April l and June of 2012. Details will soon be published in a Mortgagee Letter to FHA-approved lenders.
The UFMIP will be increased from 1 percent to 1.75 percent of the base loan amount. This increase applies regardless of the amortization term or LTV ratio. FHA will continue to permit financing of this charge into the mortgage. This change is effective for case numbers assigned on or after April 1, 2012.
FHA estimates that the increase to the upfront premium will cost new borrowers an average of approximately $5 more per month. These marginal increases are affordable for nearly all homebuyers who would qualify for a new mortgage loan. Borrowers already in an FHA-insured mortgage, Home Equity Conversion Mortgage (HECM), and special loan programs outlined in FHA’s forthcoming Mortgagee Letter will not be impacted by the pricing changes announced today.
Taken together, these premium changes will enable FHA to increase revenues at a time that is critical to the ongoing stability of its Mutual Mortgage Insurance (MMI) Fund, contributing more than $1 billion to the Fund, based on current volume projections through Fiscal Year 2013.”
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
Mapping Clark County
February 29th, 2012
A new exhibit at the Clark County Historical Museum, 1511 Main St. Vancouver, WA, will open a new section called “Mapping Clark County” with a reception at 5 pm as part of its “First Thursday” series. Jerry Olson, President of Olson Engineering in Vancouver will discuss “Surveying and mapping North of the River”. As a history enthusiast, Mr. Olson will be talking about documents the surveyors associated with the Washington Surveyor Generals office from 1851 until 1910, when work was on a contract basis. Surveying instruments that were used to layout the Vancouver Barracks will be part of the display. The “Mapping Clark County” exhibit will be on display until June. Admission will be $4 for adults, $3 for seniors and students, $2 for children and $10 for families. Members are free.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
VOW To Hire Hero’s Act
December 19th, 2011
Congress has passed, and the president has signed into law the VOW To Hire Hero’s Act of 2011. Included in the law is the Veterans Retraining Assistance Program (VRAP) for unemployed veterans. This new program is set to roll out on July 1st, 2012 and will provide retraining for the veterans hardest hit with the current economic conditions.
The VRAP is offering 12 months of training assistance to unemployed veterans and limited to 45,000 participants during fiscal year 2012 and to 54,000 participants from October 1, 2012 through March 31, 2014. Participants may receive up to 12 months of assistance at the full time payment rate under the Montgomery GI Bill – active duty program.
Participants must be enrolled in a VA approved program of education offered by a community college or technical school. To see the rules, regulations and guidelines for this Act please go to the US Department of Veterans Affairs or the Department of Labor.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
C.A.R.O.L. Toy Drive 2011
December 16th, 2011
For over 50 years the C.A.R.O.L. program, Christmas Activities Relief Organization Limited, has helped families in our community keep the holiday spirit alive by assisting those less fortunate during the holidays. This year, our family here at Creekside Mortgage Inc, decided we wanted to help them do what they do best. In conjunction with our vendors, employees, the American Legion Post #27 and other companies we cooperate with, Creekside Mortgage was able to collect over $300 in toys and gift cards to help the CAROL program continue their amazing act of kindness. We hope that our efforts are able to assist the Camas Fire Department to bring more attention to their cause so that this program can continue to grow and give the members of our community a little stress relief during this holiday season.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
Christmas Concert for Vet’s
December 1st, 2011
Clark County Veterans Court Board , is holding a Christmas Concert for veterans December 8th from 5:00 PM to 7:30PM. Doors open at 4:30 at the Dragonfly Café on 1300 W Franklin Street in Vancouver, WA. Tickets are available online at www.ClarkCountyVetsCourtBoard.org and are $15. There will be food and refreshments and the headliners are Ricky Lee Jackson and Grammy Award winner Doug Smith. There will also be special performances by Ragtime, Old Time Fiddlers, Fort Vancouver Pipe Band, Nikki Hubert with the Living Free Band, Siarra Edmundson and Jesse Wade as Sinatra. Come join us for the festivities and help raise money for the Clark County Washington Veteran’s Court Board.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
Real Estate and Unemployment in Clark County
October 2nd, 2011
The Real Estate market in Clark County seems to have finally leveled off. There are still tremendous amounts of foreclosures that economic factors have affected. Until we can curve those numbers and have the numbers skew the other way, unemployment will continue to affect housing prices.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
208-424-6770
www.VALoanWA.com
www.OregonVALoan.com
The Greenwald Team email
October 1st, 2011
One benefit of adding an email for the team is that everyone in the team gets the message and it will help the overall flow of communication in the office. The new email name is: TheGreenwaldTeam@Creeksidem.com which will enable distribution to everyone. Employees associated with title companies, real estate agents, and borrowers can use this email, and this way everyone will get the message and it will be dispersed properly. Ultimately it would prevent tasks from being delayed so the response will happen instantaneously.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
Article Archive Page 2
Testimonials
We just purchased a home and we did our VA loan through Creekside Mortgage. We worked with Floyd Greenwald. Our experience was SO wonderful, weve referred three friends to Creekside!
June Davis Vancouver, WA
VA Loan Specialist:Kerry N. Greenwald,USAR/Army
I just did a VA streamline refinance with Creekside Mortgage. They were kind, courteous, and professional.
Tom Knox,U.S. Navy Veteran
VA Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR
"I have known Kerry Greenwald for a number of years now. He has worked on several transactions for me, both purchases and refinances, and I've come to have complete trust in him.
"When this home purchase came up, there were a lot of questions about what I should do or not do, so I gave Kerry a call, and he took care of everything. I trusted him and his staff and all the folks at Creekside Mortgage to handle all matters for me, including getting the best interest rate, finding the right lender, and everything else.
"I have nothing but the best thoughts for him and all his staff. They were all very professional. I am completely satisfied with my loan."
Mr. Wilton C. Carter, Vancouver,WA. USAF ret.
.Loan Specialist: Kerry N. Greenwald, USAR/Army
"We have worked with Kerry Greenwald and his team several times now. When we bought our first home, we were new to the process and appreciated his guidance along the way. When we bought our second home, we didn't hesitate in calling Kerry again. The opportunity recently came up to refinance our home and Kerry helped us throught that process as well.
I cannot imagine anyone else going the extra mile like Kerry and his team at Creekside Mortgage have always done. In this difficult economy, I knew they had our best interests at heart and we relied on their expertise. We have every confidence in Kerry Greenwald and his team at Creekside Mortgage and would recommend them to anyone wanting to refinance or purchase a new home."
Sean and Lacey Pittman, Vancouver, USMC
Loan Specialist:Kerry N. Greenwald, USAR/Army
"I wanted to say you guys are great and I appreciate all the hard work getting my loan through. I will definetly recommend you to anyone I know getting a home loan."
Fred Bader, U.S. Army, Vancouver,WA
Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR
"My appreciation for the service and respect I was treated to is worth passing along to potential borrowers. Jenn and Kerry actually LISTEN to what your situation and wishes are. Creekside immediately went to work without delay and kept me informed at all times with email, regular mail, and telephone of progress toward refinancing. They are Veterans helping Veterans and are proud of over 40 years of dedication to helping Vets use their VA benefits. My experience resulted in using my VA benefits for the first time in real estate. It was an effortless process on my part. I left their office feeling a lot better than when I arrived, and I met new friends there. Creekside rocks! Even if you are not refinancing, meet these folks - they're the best!
Michael Harding, U.S. Army, Vietnam, Salmon Creek, WA
Loan Officer: Kerry N. Greenwald, U.S. Army/USAR
"The folks at Creekside Mortgage were fantastic! I felt that Kerry and Jenn truly cared about helping my wife and I purchase our first home. After recently getting married and with a baby on the way, purchasing your first home could be a very stressful time. However, the wonderful people at Creekside kept us informed and were honest and positive about the process. We trusted their expertise fully and they came through for us. As a Veteran, it's always good to know someone has your back. Thank you, Creekside Mortgage, for all you do."
Tim and Becky Fox, Vancouver, WA
Loan Specialist: Kerry N. Greenwald, US Army/USAR
"Creekside Mortgage helped us purchase our condo, and we worked with Ron Hambright at Century 21 as our realtor. Ron was very patient and helped us find the perfect home for our needs. Later, when interest rates dropped, Creekside helped us refinance through the VA loan program to reduce our interest rate and monthly house payment. We are very proud of the interest rate we now have. Kerry explained everything to us and answered all our questions. We highly recommend Creekside Mortgage!"
Bill and Sheila Brandon, Vancouver, WA
Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR
"Kerry Greenwald at Creekside Mortgage did an excellent job of taking care of the customer, me! I got a call when despite a small size of my balance after Kerry's help paying down of the original VA balance. The call came out of the blue, Kerry saying "it finally pencils out!" I dropped my interest rate over a full point! It was done in a fast manner, and they kept me informed via a unique, secure online system they employ. I heartily recommend that if you want a professional in your corner, see Kerry and his colleagues at Creekside Mortgage, for they are exactly that!"
Michael Mitchell, Vancouver, WA
Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR
"Over the past 10 years Kerry has assisted my family and I countless times in VA oriented mortgage loans. He is the master of the "streamline" and always pays attention to many details necessary to close any deal. I would not hesitate to trust Kerry to get the job done....ever. He will look out for your best interests and truly has his fellow Veterans' needs and concerns always as his top priority. I truly appreciate all the efforts of Kerry and his staff.
Cody Schram,U.S. Army Vancouver
Loan Specialist: Kerry N. Greenwald U.S. Army/USAR
"We just did an interest rate reduction loan with Mike Frakes. Twenty five thousand thank-yous for the amount of money that your hard work is going to save me over the life of our loan. What else is there to say? When Dorothy and I first met you and purchased our home with a VA loan we got through you, I remember that I said to you that I had no idea what I was doing regarding the mechanics of purchasing a home. I am so glad that we trusted you. Your knowledge and years of experience have saved us a great deal of money, and that is above and beyond all of the other things we appreciate you for. You've introduced us to other people who have been of great value to us, people like yourself, dedicated to guiding a person in a way that will help give them the opportunty to obtain success. Thank you for being who you are, and for trusting us with your many associates.
Robert & Dorothy Carey, U.S. Marine Corps, Vancouver
Loan Specialist: Michael Frakes, U.S. Navy Retired
"Full-time RVing--that's what my husband and I did for the last six years. In 2003, he was forced into a 100% VA disabled unemployable retirement. We sold everything we had except what we needed to exist on, bought a fifth wheel, and hit the road.
"In December 2009, my husband had a health scare and we decided that we needed to find a realtor and buy a house. We came to Vancouver, Washington, and as we changed banks, the bank representative recommended we talk to Kerry Greenwald with Creekside Mortgage, as his reputation for helping Veterans was excellent. We were also recommended to talk to Ron Hambright at Century 21 Realty, as he was a great VA realtor. With the help of these two, we were pre-qualified for a loan and we found a house.
"Kerry and his staff, including Pam, along with Ron at Century 21, put more effort and time into our cause than we ever expected! Kerry knew we had a great chance for a mortgage loan, and as a Veteran himself, he was dedicated to helping his fellow Vets get the best deal possible in a timely manner.
"There aren't enough words to express the length that Kerry and his staff went to on our behalf. If I had it all to do over again, I would still want Kerry on my side."
Don and Vickie Workman, U.S. Army, Vancouver, WA
Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR
Mike, when Dorothy and I first met with you, I knew in no time that you were more than a man who works to assist Veterans to gain financing for a new home--you were also a man who made us feel welcome. In less than a month that it took for you to get our approval for financing, I saw a friend when I entered your office. I know that you worked hard, but I also know that the reason for your dedication to what you do is because of your passion to help your fellow Vets. I have great confidence and trust in your integrity, and admire your dedication to solving the many problems that cropped up during the entire process. All I know is that you turned two people from renters to homeowners, and we thatnk you. I know that you will continue to change many lives for the better, and can only hope that aside from your desire to give to others, it will come back to you on every wave, to a face that always wore a smile, and a handshake that always said "don't worry." We can't thank you enough. Your friends,
Robert and Dorothy Carey, Marine Corps, Vancouver, WA
Loan Specialist: Michael Frakes, U.S. Navy, Retired
"We just bought a home through Creekside Mortgage, and they went above and beyond what was expected. Mike was the driving force (with help from God above) for the collective effort that made our loan work. We will spread the word of the service you provide and will remain humbly grateful for all of your efforts. Special thanks to Mike and may God bless you all. Thank you so much.
Perry and Oksana Oakes, Vancouver, U.S. Army Special Forces
Loan Specialist; Mike Frakes, Retired U.S. Navy
"My refinance with Creekside Mortgage was hassle free. The staff is friendly and competent and they are always available to answer my questions. I will continue to use Creekside Mortgage because when it comes to something as important as your home you just want everything to go right, and I can depend on them."
Frank and Rebecca Russo, Airforce, Vancouver, WA
Loan Specialist: Kerry N. Greenwald
|
 |
