My wife and I were moving from a small town in Georgia to Charleston, South Carolina. This was a bit frightening when considering the difference in prices of homes. We had spoken to several lenders and found that we would be required to have a large down payment and pay a much higher interest rate than we anticipated plus various closing costs and fees. I was even told by one loan officer that a VA home loan was not a good route because of higher closing costs and other fees. However, on a whim, I filled out a form on-line requesting a VA home loan quote with SmartVALoans.com. The next day, I received a call from Josh. From that call forward, nothing could have gone smoother. They professionally handled every step. The process was like clock work. In less than a few weeks, we had all paperwork completed, obtained pre-approval, submitted papers to the underwriter and closed the loan. Josh was responsive, extremely organized and respectful. I was treated with dignity as we walked through the process. We were informed at all times and felt confident in their guidance. There simply were no excuses and no delays. The VA interest rate that they were able to get for us was over 3% lower than any other mortgage available for our credit scores plus no down payment. These two factors resulted in us being able to purchase a much nicer home. When we went to closing, I felt proud of the VA rate and of the VA home loan I had.

William
Charleston, SC

My wife and I contacted SmartVALoans.com looking to obtain our first VA home loan. We knew that it would be a challenge as we had filed for bankruptcy a few years ago and that our credit was not the greatest. Josh and his staff rolled up their sleeves and took on our situation as if it was their own VA loan. Although everything was completed via email, fax and numerous phones conversations they handled everything like the professionals they are. It was clear to us that we were in good hands from the first phone conversation. Josh has told us that to this day our VA loan was one the most challenging he has worked on. We not only obtained a home loan but a friend in the process. We have recommended friends and coworkers to Josh as we are that confident in his abilities.

Todd and Suzy
Fort Leonard Wood, MO

Everything was great, my wife and kids couldn't be happier, and all this was possible because you took the extra effort to make our dreams come true, and it's a wonderful thing and we will never forget it.

Steve
Seneca, MO

I could not have had a better experience. This was my first purchase and it was so smooth that I never felt uncomfortable at any point in the process. Josh kept me informed in every area and held out for the best VA rate. I knew at a certain point that they were not just doing business, but was looking out for my best interest. I was ready to close my VA loan in less than a few weeks. On every occasion Josh has kept his word to me. Nothing is more important to me. I will use them again and again. It was definitely a great experience. Thanks Josh! You are the man when it comes to VA loans.

Robert
Atlanta, GA

Our dreams finally became reality when we purchased our first home through the VA loan with SmartVALoans.com. They provided all the support, and more, to get our house closed with the best VA interest rate as possible.

Clayton and Katie
Pretty Prairie, KS

When we finally settled down and decided to invest in a home we were at a total loss of what to do and how to do it. Josh and his staff not only came in like the U.S. Cavalry, but explained the process and have been instrumental in the purchase of our home. Without their assistance, I’m sure I would have stopped my purchase out of pure frustration. Their professionalism, knowledge of realty laws and practices, the VA loans ins and outs, their honesty and integrity is invaluable in our opinion and is truly an asset to both the civilian and military personnel needing VA mortgage services and assistance.

Edward and Donna
Whiteman’s AFB, MO