'Our Mission is to provide LOW RATES at a LOW COST to Active Duty and Veteran service members.
Saving you money is our number one priority.'
Michael Floren
USMC Veteran / Owner
call the VA Experts Today

719-362-0439

Buying a Home

Refinance Your Current VA Loan

VA HOME PURCAHSE

5.66% APR
5.625% Rate on a 30 year fixed term, 1.0% Discount Points and 0 Origination Points!
  • Buy a Home
  • 0 Down Home Purchase
  • LOW RATES
  • VA Financing Experts
  • Quick Pre-Approval
Purchase With Points

VA HOME REFINANCE IRRRL

5.66% APR
5.625% Rate on a 30 year fixed term, 1.0% Discount Points and 0 Origination Points!
  • Refinance to Lower your Interest Rate
  • Lower your Monthly Payment
  • Lower your Interest Rate
  • Quick Closing
  • Minimum Documentation
Refinance With Points

VA HOME REFINANCE CASH OUT

5.66% APR
5.625% Rate on a 30 year fixed term, 1.0% Discount Points and 0 Origination Points!
  • Refinance to Tap Equity for Cash
  • Get Cash from your Equity
  • Pay Off Debt
  • 90% Loan to Value is best for Rates
Refinance With Points
Apply today online

VA HOME PURCAHSE

5.90% APR
5.875% Rate on a 30 year fixed term, 0 Discount Points and 0 Origination Points!
  • Buy a Home
  • 0 Down Home Purchase
  • LOW RATES
  • VA Financing Experts
  • Quick Pre-Approval
Purchase NO Points

VA HOME REFINANCE IRRRL

5.88% APR
5.875% Rate on a 30 year fixed term, 0 Discount Points and 0 Origination Points!
  • Refinance to Lower your Interest Rate
  • Lower your Monthly Payment
  • Lower your Interest Rate
  • Quick Closing
  • Minimum Documentation
Refinance NO Points

VA HOME REFINANCE CASH OUT

6.01% APR
5.99% Rate on a 30 year fixed term, 0 Discount Points and 0 Origination Points!
  • Refinance to Tap Equity for Cash
  • Get Cash from your Equity
  • Pay Off Debt
  • 90% Loan to Value is best for Rates
Refinance NO Points

Rates updated on 12-20-2024 at 4:30pm MT  

For Details about the Loan Terms and Rates scroll down to the bottom of the page

Past Client Reviews

LCM was by far the cheapest rate we found for a VA loan. We worked with mike and pat and they were both very helpful and very responsive with any questions we had. If you are shopping for a home loan definitely check them out.

Aaron C

Google Reviews 2022 Oct 9

Great response time, and they were even able to beat out Navy Federals rates! I absolutely recommend these guys.

Ryan B

Google Review 2019 Aug 8

Great company!! Beat the competition by almost a full percentage point!! Probably the easiest loan I have ever done. Thank you Mike!!!!

a-----4

Google Review 2019 Sept 14

Fantastic experience. Mike and his team took great care of me and I love his dedication to service members. Veterans, here's where you should get that VA loan if you want the best service you can hope for.

M H

Google Review 2020 Feb 25

Rate Details

Purchase Loan, Rate Assumptions

VA home loan, $0 down payment, a 30-yr fixed rate mortgage, $0 loan origination fee, FICO score of over 680, loan amount of $400,000. Veteran is Disabled with a $0 funding fee from VA. Being Disabled though the VA is not a requirement for a VA loan, it is a requirement for $0 funding fee to the VA.

This is not a commitment to lend nor a loan approval.

We don’t like quoting rates with discount points but most of our competition do.  Rates on this page are quoted with 0 Loan Origination points and 0 Discount Points unless otherwise noted next to the rate.

Refinance IRRRL, Rate and Term Refinance, Rate Assumptions

VA home loan, IRRL with up to 100% financing, a 30-yr fixed rate mortgage, $0 loan origination fee, FICO score of over 680, loan amount of $400,000. Veteran is Disabled with a $0 funding fee from VA. Being Disabled though the VA is not a requirement for a VA loan, it is a requirement for $0 funding fee to the VA.

VA IRRRL requires that the current loan is more than 211 days old.

This is not a commitment to lend nor a loan approval.

We don’t like quoting rates with discount points but most of our competition do.  Rates on this page are quoted with 0 Loan Origination points and 0 Discount Points unless otherwise noted next to the rate.

Refinance Cash Out, Rate Assumptions

VA home loan, $0 down payment, a 30-yr fixed rate mortgage, $0 loan origination fee, FICO score of over 680, loan amount of $400,000. Veteran is Disabled with a $0 funding fee from VA. Being Disabled though the VA is not a requirement for a VA loan, it is a requirement for $0 funding fee to the VA.

Refinance Cash out is up to 90% LTV, 100% LTV is possible in most situations but going above 90% increases the rate substantially.

This is not a commitment to lend nor a loan approval.

We don’t like quoting rates with discount points but most of our competition do.  Rates on this page are quoted with 0 Loan Origination points and 0 Discount Points unless otherwise noted next to the rate.