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Today, on a VA purchase, we can provide an interest rate of 4.375% with $948 credit towards closing costs. Purchase price $672,000 loan amount $672,000 credit score 750 1st time VA use zip code 95687 Our rates are super competitive. But the othe thing is we understand military. 21 years active duty myself with 1.5 years as an AGR (active reservist). My brokers dad retired as a KC-135 Pilot. So we understand what you are going through as military members. Stay safe everyone, best regards, Jesse

This isn't the low income crowd. I know that. Most of you are all officer type aviators. I worked with thousands of you during my 21 years on active duty. I was Loadmaster all 21 years. Trust me, I know who I'm talking to. But, military members do come from all walks of life (low income, for example) like myself. It's possible that many of you know people that are still in that situation, or, worst yet, have a low income score yourself, and therefore, don't qualify for a VA loan bc the lender has their own overlays. Advertising? Sure yes. But once you realize you advertise everyday, who you are, what you you represent, you'll understand your personal reputation is advertising, no different than what I just did. I'm literally out to help veterans and their families and I want to do that through finances, mortgages, and getting people out of the renting cycle into homeownership. How is that wrong? As far as rates go, I know we have great rates. If Any bank can beat us, then go with them, if not, why be loyal to a company or individual if that will cost YOUR family money, especially since you'll never, ever meet them. All I'm saying is, shop around. I'm only giving you quality advice to you younger military members. I wish I had people to do the same for me when I was in my 20s.

Seems like NBOKC is the go to lender here on this page. As a veteran myself, I'm extremely happy you have all been satisfied with their services, rates, and, process. That is so great. I would encourage you all, however, to shop around. Ask the MLO what their brokers commission is. If it's 2% or higher, there are better options out there. (2% is the industry standard for most brokers), hidden in the rate they provide you. If the broker charges less than 2%, that savings is actually passed on to the borrower...guess what, my broker charges less than 2% which makes are rates lower than nearly every company in CA. We are a small and lean company, making us a leader in this industry. In fact, Citizens Financial is only 1 of 10 mortgage brokerages in CA to be able to partner with CIT (recently bought by First Citizens Bank). CIT is aiming to lend to minority groups, lower income families, and areas that have traditionally been denied mortgage opportunities. That partnership allows us to provide 100% financing with $25,000 of down payment assistance. Call it a gift from the lender. AMAZING!! UNHEARD-OF!! Other than that, we have partnerships with nearly 20 lenders. All have their own niche. A-papwr loans, low credit scores, as low as 500, HELOCS, HELOANS, FHA, VA conventional, reverse mortgages). You name it, we can do it for you If you keep getting "no, I'm sorry" then you should call, text or email me. 925-335-6485 or jesse@citizensfinancial.co

Hi Isshinwhat, Where are you located? What's your credit score? what type of loan do you want (VA, FHA, conventional?) I assumed Okaloosa county, VA with 1st use of VA loan, $400k loan amount, 720 credit score, and selected our par rate (no points to buy down the interest rate). We have 2.377% interest with lender paid closing costs. It's 2.125% interest rate if you pay your own closing costs, but that usually means quite a bit more out of pocket expenses and typically isn't worth it. We work with a lot of veterans in CA, which is where we are located and licensed. vr, Jesse 925-335-6485

Hi everyone, I just wanted to introduce myself here. My name is Jesse Richardson, and I’m a licensed realtor in CA, but I have my mortgage loan originators endorsement and focus on mortgages with Citizens Financial. We are a small mortgage broker company located right next to Travis AFB. Currently we are licensed in CA, but are growing the business to be licensed in TX, OR, ID, FL, UT, and CO! I’m about to be a retired C-17, C-130, C-27 Loadmaster. I’ve been stationed at Travis AFB for the past five years and love the area. It’s great out here! I spent the last 5 years in the Contingency Response Wing and has been a great experience. Real estate has been a passion of mine for years. I personally own 9 properties, 8 of them being rentals, so I’m an investor myself. I started buying as an E-4 and have been buying ever since. I decided to get into this industry because I will be able to help others purchase homes for themselves as primary residences or for investments too. It’s great to be able to have the licensing to help people, especially veterans with building their wealth and equity in their homes through mortgage lending. Give me a call! Jesse Citizens Financial 406 Main St. Suite E Vacaville, CA 95688 Office: 707-800-6047 Direct: 925-335-6485 Fax: 888.552.3601 jesse@citizensfinancial.co www.citizensfinancial.co Schedule a Meeting: https://calendly.com/jesse_citizensfinancial/30min Apply: https://www.blink.mortgage/app/signup/p/citizensfinancial/gregoryritchie COMPANY NMLS#1401042 | COMPANY CALBRE #01746163 | NMLS# 2221949 |CALBRE # 02157788