Great News for Veterans

South Sound Home Loans has always offered VA refinance loans up to 100% of current appraised value for Veterans who own their own home. This refinance can be used to consolidate and pay-off debs, get extra cash for any reason, or a combination of both.

In addition, the VA Interest Rate Reduction Loan (VA IRRL) can be used to lower the current interest rate or term without appraisal and no income requirements as long as current mortgage payments have been made on time during the last 12 months.

The GREAT NEWS for both Veterans who already own a home or those Veterans who desire to purchase a home is that South Sound Home Loans can do either a VA purchase or refinance with credit scores as low as 500!
The BEST NEWS is the SOUTH SOUND HOME LOANS does not charge an origination fee. As an Independent Mortgage Broker, our fee is paid to us by the banks we use. This means your loan closing costs are at least 1.0% of the loan amount lower than what most banks, credit unions and other lenders charge.

(Note: as of September, 2017, VA 30-year rates for loans over $150,000 with a 640 credit score are at 3.50%, APR 3.72%. Rates for scores under 599 are 4.0%, APR 4.623%. Rates subject to change.)

FOR MORE INFORMATION ON VA LOANS, CALL RANDY LUKE AT (360) 888-7442 or contact via e-mail:

Randy Luke – NMLS LO# 77184
WA State MLO# MB1468332


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