Far and away, the most significant benefit of a VA loan
is the borrower's ability to purchase with no money down.
Apart from the government's UDSA's Rural Development home
loan and Fannie Mae's Home Path, it's all but impossible
to find a lending option today that provides borrowers
with 100 percent financing.
VA loans also come with less stringent underwriting standards and requirements than conventional loans. In fact, about 80 percent of VA borrowers could not have qualified for a conventional loan. These loans also come with no private mortgage insurance (PMI), a monthly expense that conventional borrowers are required to pay unless they put down at least 20 percent of the loan amount.
Down payment as low as 0%.
Competitive interest rates that are routinely lower than conventional rates
No prepayment penalties
Higher allowable debt-to-income ratios than for many other loans
Streamlined refinancing loans that require no additional underwriting
"Taylor Young with Tatom Lending provided the best refinance experience we’ve had to date. He was very informative, thorough and accessible to us throughout the process. Taylor’s expert advice coupled with his friendly personality allowed for a non-stressful process. The high level of customer service and industry knowledge made us feel 100% confident in the process and with the end result. I highly suggest Taylor Young and Tatom Lending to anyone in need of a trusted mortgage and refinance partner."
"Working with Taylor Young on our refinance was a great experience. Taylor very clearly walked us through all of the options and provided insight into what each package we looked at would mean for us long term. When the closing became delayed due to great volume, Taylor checked in with us constantly to let us know exactly what was going on, and where we were at in the process. At no point in this undertaking did I ever feel that Taylor wast acting in anything but our best interest. It truly was a pain-free experience and I would be absolutely happy to recommend Taylor and Tatom Lending to anyone in the market for a mortgage."
"We just closed on a re-fi with Tatom Lending. Kirk and his team were great to work with, very professional and responsive. Their online application system makes the process so quick and easy! I highly recommend Tatom Lending for all mortgage needs!"
"My wife and I had an absolutely fantastic experience with Tatom Lending LLC. Kirk was recommended by my brother in law who had a great experience buying his home and then later re-financing his loan. From the first time I talked to Kirk, he was friendly, kind, knowledgeable, and put me at ease during this whole process. This was especially helpful since this was our first home that we bought. He and Maribel both were very professional and very responsive whenever I needed to get in touch with either of them. Everything went according to plan and we were ready to sign all our papers on closing with no delay. And he got us an amazing rate for our loan! Nothing but good things to say about Kirk and his team. I would recommend him to all family and friends who were looking to finance a home. Cheers!"
"Kirk went above and beyond at every turn. I'm uneducated in the real estate and lending industry, but he took the time to explain things patiently in a way I could understand. He has decades of experience and was a priceless resource in my first-time home buying experience. Thank you Kirk! You and your team provide exceptional service and tailor to your client's needs."
"Taylor Young delivered exceptional service. Such is the fact, I referred my son to work on his closing with Taylor. It was truly amazing to experience a hazle free closing. Taylor helped navigate the loan process every step of the way. His level of professionalism and communication is superb. My family is grateful for his help in acquiring our dream home!!"
"During unprecedented times, Taylor delivered unprecedented results for our home refinance loan. He and Kirk were there in the trenches with us every step of the way, making sure that we understood all aspects of the complex world of financing and offering the best possible advice and guidance. I can’t recommend Taylor enough, for all of his effort in making sure that our family was handled with care."
"Tom Waters is an outstanding loan officer who makes sure the needs of his clients come first. We refinanced with him several years ago and he was able to help us secure a terrific rate that allowed us to move from a 30 year to a 15 year mortgage affordably. Every question was answered and he made sure it was a smooth change for us. Tom is devoted to his clients, very professional, extremely knowledgeable about the business, and overall a great person to work with. Our experience with him was fantastic and I absolutely recommend Tom Waters for lending needs."
"Tom was a wonderful person to work with on all of my real estate deals. He helped me tremendously with the purchase of my very first home in 2015. Since then, Tom has helped me with a refinance, and is currently helping me out right now on a very good opportunity. Tom makes it so easy from the beginning of the approval process and all the way to the end; helping me out along the way on any questions that arose on my deals, made sure I was happy with my overall experience, and ended every transaction ensuring I was satisfied with my experience from beginning to end. I would highly recommend Tom and Tatom Lending to anyone looking to purchase your first home, a vacation home, or anyone looking for opportunities to refinance and help save in many ways when possible."
"I’ve had the opportunity to work with Tom Waters at Tatom on multiple loans. As a matter of fact, Tom was the number one loan officer when I owned a mortgage brokerage! He stays current with changes in the system, understands what lenders are looking for to meet their requirements and stays on top of his loans. Broker Kirk Tatom is another effective loan officer and an overall class act. Recommend with 0 reservations!!"
"Tom Waters is one of the most experienced loan professionals I know. The customer service he provides his clients is unmatched. He is a relationship builder not just a loan officer, always looking out for the client's best interests. I trust him implicitly. Thank you Tom! - Briggs"
"Tom Waters at Tatum Lending worked with me to refinance my house and incorporate other property improvements under a single mortgage at a low 3% interest rate. This allowed me to pay off my debts quicker and easier. Tom was professional, expedient, and informative about my options. I recommend Tatum Lending for any future home financing."
"Tom Waters and Tatom Lending is my go too. I’ve bought a couple of houses with them and some refi’s. Tom is on point with every detail! He makes it easy for his clients! Tom I may be back in the market in the next year so you and Darren be ready! :)"
"Tom Waters with Tatom Lending is amazing! He has been our home mortgage go-to guy for years now. As always he and Tatom Lending are just a call away when we need them! Thanks Tom for being so helpful and punctual with helping make our dreams come true!!!"
"We were referred to Tatom Lending by a close friend and couldn’t be happier with the service we received from Tom and his team. He expertly guided us through the entire lending process answering our many questions and worked diligently to get us the best rate available. He’s even been available for follow up questions as they arise and always provides a prompt, courteous and knowledgeable response. If you need a lender you won’t go wrong with Tatom lending. I highly recommend them!"
"Just wanted to share my experience about Tom Waters. He is an amazing man on top of being an amazing lender. He knows what products work for his clients and what won't. He has been in the lending business since I have know him. On top of being a great lender he is a great friend as well. All my kuddo's to Tom."