About Us
At Veterans United Home Loans, we've been your neighborhood mortgage experts since 2002, specializing in VA, FHA, USDA, and Conventional loans. With a powerhouse team of about 4200, we're passionate about delivering results with integrity and enhancing lives every day. Let us make your home dreams come true!
Mortgage Loan Originator NMLS 1177896, Veterans United Home Loans 1907
The products and services we offer
Recommendations Received (57)
"Debbie goes above and beyond with her excellent communication and professionalism. Highly..."
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"Debbie goes above and beyond with her excellent communication and professionalism. Highly recommend!"
"I highly recommend Debbie with United Veterans! She’s professional and responsive to her clients...."
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"I highly recommend Debbie with United Veterans! She’s professional and responsive to her clients. Debbie makes the lending process smooth and stress-free, always going the extra mile to ensure everything is handled with care and attention to detail. If you’re looking for a lender you can trust, Debbie is the one!"
Products & Services
Reach out to see which program is right for you! With a variety of programs at my disposal, I will work to find the right one for you.
Mortg...
I provide a wide range of mortgage loan products, to meet individual needs.
Mortgage Loan Originator NMLS 1177896, Veterans United Home Loans 1907
I can make your dream of home ownership a reality. Veterans United Home Loans offers home loans in all 50 states. I specialize in Alabama, Florida...
Recommendations Given (49)
"Tracy and the team at Ramsey, Baxley, and McDougle are AMAZING! I have come across some tough..."
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"Tracy and the team at Ramsey, Baxley, and McDougle are AMAZING! I have come across some tough closings and they are always there for my clients to get it done."
"Lane works hard for her clients and is always looking out for their best interests. In working..."
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"Lane works hard for her clients and is always looking out for their best interests. In working with her as a lender for her buyers, she is very responsive to any needs that you may have."
Recent Activity
Being out in the community and networking. Word of mouth experiences are the biggest source of referrals.
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Being out in the community and networking. Word of mouth experiences are the biggest source of referrals.
A pre-qualification is good for the Realtor and the Lender. It allows us to know if there is an opportunity to pursue the deal on both sides. However, remember that a pre-qualification is only as good as the information that is provided by the potential borrower. If they inflate their income...
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A pre-qualification is good for the Realtor and the Lender. It allows us to know if there is an opportunity to pursue the deal on both sides. However, remember that a pre-qualification is only as good as the information that is provided by the potential borrower. If they inflate their income or any information on the application is less than truthful, that can change the final outcome when the lender has to verify the information that was provided.
With the wonderful invention of TRID (she says sarcastically), a lender is limited on the information they are legally permitted to ask for without a complete application (which includes a property address). Until we have a fully executed contract from a borrower and all the necessary financial documents, you cannot be 100% sure on a pre-qualification, but you can have a good idea if you stress the importance of accurate information at the time of application.
All of this was to say a pre-qualification is a good thing to ask for so that the buyer knows what properties they can afford to look at. You don't want to show someone a $300k home if they can only afford $150k. Establishing a relationship with a reputable lender will go a long way in helping your client understand the need to be pre-qualified prior to shopping. I speak with members all the time about pre-qualifying and the products that are available that will meet the needs of what they are trying to do. If I find someone that cannot meet the requirements due to income, credit, etc..., I am able to provide them with counseling and options to help them improve their situation to be able to qualify in the future.
Don't be afraid to ask the question and have a lender explain the process to your client if they are unsure of what to do. It will save everyone a lot of time and heartache in the home buying journey, especially the client/borrower.
Outstanding member service.
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Outstanding member service.
