Veteran’s Day

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I would like to take the time to thank every single active and retired member of our country’s armed forces.

Thank You!

The average age of the military man is 19 years.
He is a short haired, tight-muscled kid who,
under normal circumstances is considered by
society as half man, half boy. Not yet dry behind
the ears, not old enough to buy a beer, but old
enough to die for his country. He never really
cared much for work and he would rather wax
his own car than wash his father’s, but he has
never collected unemployment either.

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He’s a recent High School graduate; he was probably an average student, pursued some form of sp ort
activities, drives a ten year old jalopy, and has a
steady girlfriend that either broke up with him when
he left, or swears to be waiting when he returns from half a world away. He listens to rock and roll or hip-hop or rap or jazz or swing and a 155mm howitzer.

He is 10 or 15 pounds lighter now than when he
was at home because he is working or fighting
from before dawn to well after dusk. He has
trouble spelling, thus letter writing is a pain for him,
but he can field strip a rifle in 30 seconds and
reassemble it in less time in the dark. He can recite
to you the nomenclature of a machine gun or grenade launcher and use either one effectively if he must.

He digs foxholes and latrines and can apply first aid like a professional.

He can march until he is told to stop,
or stop until he is told to march.


He obeys orders instantly and without hesitation,
but he is not without spirit or individual dignity.
He is self-sufficient.

He has two sets of fatigues: he washes one and wears the other. He keeps his canteens full and his feet dry.

He sometimes forgets to brush his teeth, but never
to clean his rifle. He can cook his own meals, mend
his own clothes, and fix his own hurts.

If you’re thirsty, he’ll share his water with you; if you
are hungry, his food. He’ll even split his ammunition
with you in t he midst of battle when you run low.

He has learned to use his hands like weapons
and weapons like they were his hands.

He can save your life – or take it, because that is his job.


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He will often do twice the work of a civilian, draw half the pay, and still find ironic humor in it all.

He has seen more suffering and death than he should have in his short lifetime.

He has wept in public and in private, for friends who have fallen in combat and is unashamed..


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He feels every note of the National Anthem
vibrate through his body while at rigid attention, while tempering the burning desire to ‘square-away ‘ those around him who haven’t bothered to stand, remove their hat, or even stop talking.
In an odd twist, day in and day out, far from home, he defends their right to be disrespectful.

Just as did his Father, Grandfather, and Great-grandfather, he is paying the price for our freedom. Beardless or not, he is not a boy. He is the American Fighting Man that has kept this country free for over 200 years.

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He has asked nothing in return, except
our friendship and understanding.
Remember him, always, for he has earned our respect and admiration with his blood.

And now we even have women over there in danger, doing their part in this tradition of going to War when our nation calls us to do so.

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As you go to bed tonight, remember this shot. . .

A short lull, a little shade and a picture of
loved ones in their helmets.

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Prayer wheel for our military… please don’t
break it Please send this on after a short prayer.

Prayer Wheel

‘Lord, hold our troops in your loving hands.
Protect them as they protect us.
Bless them and their families for the selfless acts they perform for us in our time of need. Amen.’

When you receive this, please stop for a moment and say a prayer for our ground troops in Afghanistan , sailors on ships, and airmen in the air, and for those in Iraq , Afghanistan and all foreign countries.


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Of all the gifts you could give a US Soldier, Sailor, Coastguardsman, Marine, or Airman, prayer is the very best one.

Things to remember during the home buying process.

Here are some common mistakes people make during the approval process that has cost them their new home loan.

1) Make sure you continue to pay ALL of your bills on time and do not open any new accounts. These actions will cause your score to drop.

I have had 2 clients in the past 6 months lose their financing for forgetting to pay a $25 per month credit card bill! Not only are lenders looking at your credit scores but they are also looking at your payment history. Even if the score doesn’t drop enough to knock you out, the payment history may.

2) Do not change jobs if at all possible. Try to wait until after you close on your new loan. If it’s too good of an opportunity to pass up, let your lender know as soon as possible so they can make arraignments and prepare the underwriter. You will be required to provide more paper work so keep that in mind. Your employment is a key factor in the mortgage approval process, and if you can’t show steady gainful employment, you might be denied.

3) Do not change financial institutions during the approval/underwriting process. Even if you hate your current bank, tough it out until after closing. You’ll have to provide information about previous accounts that are now closed, and therefore inaccessible. And if you diversify your money too much in money market accounts, savings accounts, checking accounts and other places, you’ll have a harder time with the disclosure process.

4) Hold off on any and all large purchases. Don’t go out and buy that new plasma TV or living room set until after you are in your new home.  Until you are actually closed the underwriter will follow very specific steps including verifying and re-verifying everything at different points throughout the process. Any large purchases will affect what funds you have available that may be required for your down payment, closing costs or reserves.

Here is what I really want you to remember. If you plan on buying a home, make that your priority. Be ready to provide everything your lender requires at a moments notice.

If you don’t try and take on more than one life changing event at a time, your home buying experience will be smooth.

VA Home Loans

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If you have a VA Home Loans or if you’re eligible for a VA Home loans, you’re probably wondering about a VA Home Loans Refinance.

The VA Home Loans offers basically two different options when it comes to a VA Home Loans Refinance. I’ll explain the two options below.

VA IRRRL Or Sometimes Called The VA Streamlined Refinance.

VA-to-VA Refinance made easy!

The VA IRRRL Refinance or VA Streamline Refinance is the easiest way to get the lowest VA Mortgage Rates for your VA Refinance.  Program details are below for this incredibly easy VA Refinance.  We lend nationwide!

VA Refinance Highlights:

Designed to help lower VA Loans rates with little hassle, low cost, and minimal paperwork.  You can use this program when refinancing a current VA Loan in to a new VA Loan whether you want a VA Hybrid arm or a low fix rate!

Qualification requirements:

1.  Must be currently employed.

2.  “Rate and Term” refinance only- no cash out.

3.  No late payments on your mortgage over the past 12 months.  One 30 day late may be acceptable with explanation.

4.  No liens on your home currently.

5.  Current loan must be a VA Home Loans.

6.  New VA funding fee is only .5%!


While cash out is not allowed on this program, we can structure your VA refinance so that you skip 2 mortgage payments!

In addition, you should receive an escrow refund from your current lender. This means more “cash” in your pocket!

A VA Home Loans Refinance is also a great way to refinance your current VA Hybrid ARM to a low VA fixed rate loan.


VA Cash Out Refinance.

Here is where things get tricky.


The VA Home Loans  guidelines consider a VA Refinance to be cash out even if you’re not receiving cash back at closing or paying off non-mortgage debt if you’re not doing a VA IRRRL.

In most cases lenders will limit your new VA Loan to 90% of your home’s appraised value even though the actual VA guidelines allow up to 100%! For example; If your home appraises for $300,000.00, the maximum loan amount would be $270,000.00 or 90% of $300,000.00.

Now let’s say you just want to refinance your current non VA Loan to a new VA Loan. Under the VA guidelines this would be considered a cash out refinance and limited to 90% of the appraised value due to lender guidelines.

The good news is we now have that ability to refinance an existing non VA Loan in to a new VA Loan at up to 100% of the appraised value!

For more information regarding the VA cash out refinance to 100%, please go here.

Program details are below for this incredibly easy VA Refinance.  We lend nationwide!

VA Cash Out Refinance Highlights:

One of the only programs left that will allow 100% financing on a refinance of an existing mortgage.

Qualification requirements:

1.  Must be currently employed.

2.  620 or better middle credit score.

3.  No late payments on your mortgage over the past 12 months.  One 30 day late may be acceptable with explanation.

4.  No liens on your home currently.

5. Must be able to document income.

While cash back to the borrower is not allowed on this program, we can structure your VA refinance so that you skip 2 mortgage payments!

In addition, you should receive an escrow refund from your current lender. This means more “cash” in your pocket!

Does a VA Home Loans refinance make sense for me?

Fill out our no obligation quick quote tool to find out how much you can save!

Click here to get started!

VA Home Loans

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VA Home Loans

VA Loans Done Right is a group of VA Home Loans mortgage professionals with over 20 years of experience in closing and funding VA Home Loans. VA Home Loans remain one of the best Home Loan Programs with some of the Lowest Mortgage Rates in the United States and can help active and retired military achieve the American dream of home ownership with 100% financing, no mortgage insurance, and reasonable credit guidelines.

VA Home Loans are arguably the best first time home buyer loan in the market.


The VA Home Loans Guaranty

The Veterans Administration offers a stable, government-backed mortgage program that has been around for decades.  Despite recent tightening of mortgage qualification standard, VA Home Loans remain a flexible program designed to help Veterans achieve the dream of home ownership. VA Home Loans rates are competitive with “conventional” rates and payments are low due to no mortgage insurance.

One of our experienced VA Home Loans Experts will give you a free, honest, no obligation consultation to help determine if you qualify for any of the available VA Home Loans!


Purchase a home with VA Financing


Refinance your VA Mortgage


What is the VA Certificate of Eligibility

OK, sounds good, but do you qualify?  The first step to determining if you qualify for any of the VA Home Loans is to order your VA Certificate of Eligibility (COE).  We can obtain your COE in minutes through our VA Portal.  You must have a DD214 or be active military in order to request your COE.  Visit our Certificate of Eligibility page for more information.

Once you have determined your eligibility, the next step is to get pre-approved.  If you are buying a home, the seller will want to see a pre-approval letter submitted with your offer.  Our VA Home Loans Experts can help you get pre-approved today!

Contact John Burke with Great Plains Bank at (877)228-9069 or by filling out the form below.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below:

http://www.trulia.com/mortgage-lender-profile/MTG%20Banker/#reviews

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Updated Credit Score Requirements For VA Home Loans!

As losses continue to mount for lenders and GSEs, several lenders have increased the minimum credit score required on VA Home Loans and FHA Home Loans from a 620 mid score to 640.

We still have options for VA Home Loans with credit cores as low as 620.


Stay tuned for more updates.