As a proud U.S. Air Force Veteran, I know firsthand the sacrifices that come with serving our country. That’s why I’ve dedicated my 25-year mortgage career to helping active duty service members, veterans, and military families achieve the dream of homeownership—and save money in the process.

If you’ve served, you’ve earned more than just thanks. You’ve earned access to one of the most powerful mortgage options available: the VA loan. With features and benefits that outshine conventional and FHA loans, the VA loan program is a well-deserved reward for your dedication.

Why VA Loans Stand Apart

• ✅ No Down Payment Required – One of the few programs that allows 100% financing.
• ✅ No Monthly Mortgage Insurance – Save hundreds each month compared to FHA or conventional loans.
• ✅ Flexible Credit Guidelines – Designed with real-life military experiences in mind.
• ✅ Streamline Refinancing (IRRRL) – An incredibly easy way to lower your interest rate and payment with minimal paperwork.
• ✅ Limitations on Closing Costs – Keeps your upfront expenses in check.
• ✅ Assumable Loan Feature – A huge resale advantage in high-rate markets.

Whether you’re buying your first home, moving to a new duty station, or refinancing your current mortgage, VA loans offer unmatched value. And you deserve a mortgage professional who understands both the benefits of the program and the unique needs of veterans and military families.

Your Expert Guide to VA Home Loans

I proudly serve clients in California, Texas, Florida, and Michigan, with deep experience navigating every aspect of VA lending. From pre-qualification to closing, I’m here to make sure you get the most out of your VA entitlement and have a smooth, respectful home loan experience.

You’ve served us—now let me serve you.

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Mike Beal
Mortgage Broker | Air Force Veteran
25 Years of VA Lending Expertise
📍 Licensed in CA | TX | FL | MI