Meet Mike Whitener
Army Veteran | VA Home Loan Specialist w/Huntington BankMike Whitener understands military life firsthand and is dedicated to helping veterans and service members make the most of their VA home loan benefits.
Veterans Serving Veterans
As an Army veteran and VA Home Loan Specialist, Mike Whitener is passionate about helping fellow veterans, active-duty service members, and military families achieve their homeownership goals.
Having served himself, Mike understands military life firsthand and is committed to making the VA loan process simple, transparent, and stress-free.
NMLSID: 237628
Contact MikeWhy Homebuyers Choose Mike
Personalized Guidance
Recommendations based on your finances, goals and future plans, so the loan you choose fits your needs.
Wide Selection of VA Options
VA purchases, IRRRL and cash-out refinances, multi-unit and jumbo financing, and entitlement guidance for veterans, service members and military families.
A Smooth Experience
Transparent communication and dependable support from application through closing.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Loans in Cincinnati, OH
Looking to buy in Cincinnati? Mike Whitener helps veterans, active-duty service members and military families use their VA benefit to purchase a home in the Queen City and its surrounding neighborhoods.
Your VA Benefit, Put to Work in Cincinnati
A VA Purchase Loan can help you buy a home in Cincinnati with $0 down, no monthly PMI and competitive rates for eligible borrowers. Mike works with buyers throughout Ohio and will guide you from pre-approval to closing.
Not sure what you can afford or whether you're eligible? Give Mike a call and he'll walk you through the next steps.
Call 513 207 1035Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Loans in Cleveland, OH
Looking to buy in Cleveland? Mike Whitener helps veterans, active-duty service members and military families use their VA benefit to purchase a home in Northeast Ohio and the shores of Lake Erie.
Your VA Benefit, Put to Work in Cleveland
A VA Purchase Loan can help you buy a home in Cleveland with $0 down, no monthly PMI and competitive rates for eligible borrowers. Mike works with buyers throughout Ohio and will guide you from pre-approval to closing.
Not sure what you can afford or whether you're eligible? Give Mike a call and he'll walk you through the next steps.
Call 513 207 1035Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Loans in Columbus, OH
Looking to buy in Columbus? Mike Whitener helps veterans, active-duty service members and military families use their VA benefit to purchase a home in Ohio's capital and largest metro.
Your VA Benefit, Put to Work in Columbus
A VA Purchase Loan can help you buy a home in Columbus with $0 down, no monthly PMI and competitive rates for eligible borrowers. Mike works with buyers throughout Ohio and will guide you from pre-approval to closing.
Not sure what you can afford or whether you're eligible? Give Mike a call and he'll walk you through the next steps.
Call 513 207 1035Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Loans in Dayton, OH
Looking to buy in Dayton? Mike Whitener helps veterans, active-duty service members and military families use their VA benefit to purchase a home in the Miami Valley.
Your VA Benefit, Put to Work in Dayton
A VA Purchase Loan can help you buy a home in Dayton with $0 down, no monthly PMI and competitive rates for eligible borrowers. Mike works with buyers throughout Ohio and will guide you from pre-approval to closing.
Not sure what you can afford or whether you're eligible? Give Mike a call and he'll walk you through the next steps.
Call 513 207 1035Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Loans in Hamilton, OH
Looking to buy in Hamilton? Mike Whitener helps veterans, active-duty service members and military families use their VA benefit to purchase a home in Butler County's riverfront city.
Your VA Benefit, Put to Work in Hamilton
A VA Purchase Loan can help you buy a home in Hamilton with $0 down, no monthly PMI and competitive rates for eligible borrowers. Mike works with buyers throughout Ohio and will guide you from pre-approval to closing.
Not sure what you can afford or whether you're eligible? Give Mike a call and he'll walk you through the next steps.
Call 513 207 1035Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Loans in Lebanon, OH
Looking to buy in Lebanon? Mike Whitener helps veterans, active-duty service members and military families use their VA benefit to purchase a home in historic Warren County.
Your VA Benefit, Put to Work in Lebanon
A VA Purchase Loan can help you buy a home in Lebanon with $0 down, no monthly PMI and competitive rates for eligible borrowers. Mike works with buyers throughout Ohio and will guide you from pre-approval to closing.
Not sure what you can afford or whether you're eligible? Give Mike a call and he'll walk you through the next steps.
Call 513 207 1035Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Loans in Mason, OH
Looking to buy in Mason? Mike Whitener helps veterans, active-duty service members and military families use their VA benefit to purchase a home in one of Warren County's most popular communities.
Your VA Benefit, Put to Work in Mason
A VA Purchase Loan can help you buy a home in Mason with $0 down, no monthly PMI and competitive rates for eligible borrowers. Mike works with buyers throughout Ohio and will guide you from pre-approval to closing.
Not sure what you can afford or whether you're eligible? Give Mike a call and he'll walk you through the next steps.
Call 513 207 1035Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Loans in Middletown, OH
Looking to buy in Middletown? Mike Whitener helps veterans, active-duty service members and military families use their VA benefit to purchase a home in Butler and Warren counties' Middletown community.
Your VA Benefit, Put to Work in Middletown
A VA Purchase Loan can help you buy a home in Middletown with $0 down, no monthly PMI and competitive rates for eligible borrowers. Mike works with buyers throughout Ohio and will guide you from pre-approval to closing.
Not sure what you can afford or whether you're eligible? Give Mike a call and he'll walk you through the next steps.
Call 513 207 1035Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Loans in West Chester, OH
Looking to buy in West Chester? Mike Whitener helps veterans, active-duty service members and military families use their VA benefit to purchase a home in Butler County's growing suburban hub.
Your VA Benefit, Put to Work in West Chester
A VA Purchase Loan can help you buy a home in West Chester with $0 down, no monthly PMI and competitive rates for eligible borrowers. Mike works with buyers throughout Ohio and will guide you from pre-approval to closing.
Not sure what you can afford or whether you're eligible? Give Mike a call and he'll walk you through the next steps.
Call 513 207 1035Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Loans in Wright Patterson, OH
Looking to buy in Wright Patterson? Mike Whitener helps veterans, active-duty service members and military families use their VA benefit to purchase a home in the area surrounding Wright-Patterson Air Force Base.
Your VA Benefit, Put to Work in Wright Patterson
A VA Purchase Loan can help you buy a home in Wright Patterson with $0 down, no monthly PMI and competitive rates for eligible borrowers. Mike works with buyers throughout Ohio and will guide you from pre-approval to closing.
Not sure what you can afford or whether you're eligible? Give Mike a call and he'll walk you through the next steps.
Call 513 207 1035Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowContact Mike
Ready to get started? Call, email or send a message and Mike will get back to you.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Home Loan Specialist
Helping Veterans and Military Families Achieve HomeownershipBuying a home is one of the most important financial decisions you'll make.
Mike Whitener helps veterans, active-duty service members, and military families navigate their VA home loan benefits with expert guidance, clear communication, and dependable service.
Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
Veterans Serving Veterans
As an Army veteran and VA Home Loan Specialist, Mike Whitener is passionate about helping fellow veterans, active-duty service members, and military families achieve their homeownership goals.
Having served himself, Mike understands military life firsthand and is committed to making the VA loan process simple, transparent, and stress-free.
Call 513 207 1035VA Loan Options
VA Purchases
Buy a home with $0 down, no monthly PMI and flexible qualifying.
Learn more →VA IRRRL Refinances
Lower your rate with the Interest Rate Reduction Refinance Loan, often with minimal paperwork.
Learn more →VA Cash-Out Refinances
Turn your home equity into cash for renovations, debt consolidation or other goals.
Learn more →Multi-Unit VA Financing
Use your VA benefit to buy a property with up to four units, as long as you live in one of them.
Learn more →VA Jumbo Loans
Financing for higher-priced homes that exceed standard county loan limits.
Learn more →Restoration of Entitlement Guidance
Learn how to restore your VA loan entitlement so you can use your benefit again.
Learn more →How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
VA Loans Across Ohio
Mike helps veterans and military families buy homes throughout the greater Cincinnati, Dayton, Columbus and Cleveland areas.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowMulti-Unit VA Financing
Use your VA benefit to buy a duplex, triplex or fourplex, live in one unit and let the others help with the cost of ownership.
Multi-Unit VA Financing at a Glance
What qualifies?
Properties with two to four units. VA loans for multi-unit homes require that you occupy one of the units as your primary residence.
Why consider it?
Rental income from the other units may help with qualifying and with covering your monthly costs, depending on lender guidelines.
What should I know?
Guidelines, down payment requirements and property standards depend on your entitlement and the property. Mike will walk you through what applies to you.
Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowRestoration of Entitlement Guidance
Used your VA benefit before? Learn how restoring your entitlement may let you use it again for your next home.
Restoration of Entitlement Guidance at a Glance
What is entitlement?
Entitlement is the amount the VA guarantees on your loan. When you use it, part or all of it may be tied up until the loan is resolved.
How can it be restored?
Entitlement may be restored when a prior VA loan is paid in full and the property is sold, or in some cases when the loan is repaid and you keep the home. Other situations may also apply.
How can Mike help?
Mike can review your situation, explain how to request a restoration through your Certificate of Eligibility, and guide you through your next steps.
Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Cash-Out Refinances
Tap into your home equity with a VA Cash Out Refinance to pay for renovations, consolidate debt, or fund other major goals.
VA Cash-Out Refinances at a Glance
Who qualifies?
Eligible veterans and service members who own a home, including those who currently have a non-VA loan and want to refinance into a VA loan.
How can I use the cash?
Home improvements, paying off higher-interest debt, education costs, or other financial goals.
What should I know?
Cash-out refinances replace your current mortgage with a new, larger loan. Mike will walk you through the numbers so you can decide with confidence.
Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA IRRRL Refinances
Already have a VA loan? An IRRRL, sometimes called a VA Streamline Refinance, may help you lower your rate or move from an adjustable to a fixed rate with less paperwork.
VA IRRRL Refinances at a Glance
Who qualifies?
Homeowners with an existing VA-backed loan who want to refinance into a new VA loan.
Why consider it?
Potentially lower your interest rate, reduce your monthly payment, or switch from an adjustable-rate to a fixed-rate mortgage.
What's the process?
IRRRLs often require less documentation than a standard refinance. Mike will review your current loan and show you whether a refinance makes sense.
Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Jumbo Loans
Buying a higher-priced home? Mike can help you understand how your VA benefit applies when the loan amount is above standard county loan limits.
VA Jumbo Loans at a Glance
How do loan limits work?
Veterans with full entitlement generally have no VA loan limit, while those with remaining or reduced entitlement may be subject to county limits.
Is a down payment required?
Depending on your entitlement and the loan amount, a down payment may be needed on the portion above the county limit.
Who is it for?
Eligible veterans and service members purchasing higher-priced homes. Mike will review your entitlement and show you your options.
Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan nowVA Purchases
Buy your next home with the benefit you earned. A VA Purchase Loan can offer $0 down, no monthly mortgage insurance and competitive rates.
VA Purchases at a Glance
Who qualifies?
Eligible active-duty service members, veterans, National Guard and Reserve members, and certain surviving spouses. Eligibility is confirmed with a VA Certificate of Eligibility.
What can I buy?
A primary residence such as a single-family home, condo, townhome or multi-unit property (up to four units) that you plan to live in.
What are the benefits?
Often no down payment, no monthly PMI, competitive rates, and limits on certain closing costs. Mike will explain how each applies to your situation.
Why Veterans Choose a VA Purchase Loan
You earned this benefit through your service. Mike helps you use it with clear communication and loan options built around your goals.
$0 Down Payment
Eligible veterans, service members and surviving spouses can often buy with no down payment required.
No Monthly PMI
VA loans don't require private mortgage insurance, which can keep your monthly payment lower.
Competitive Rates
VA-backed financing is known for competitive interest rates and flexible qualifying guidelines.
Limited Closing Costs
VA rules limit certain closing costs a veteran can be charged, helping you keep more cash on hand.
How the VA Purchase Process Works
- 1
Talk with Mike
Share your goals and budget. Mike reviews your options and explains how the VA benefit applies to you.
- 2
Get Your Certificate of Eligibility
Mike can help you obtain your COE so you can shop with confidence.
- 3
Get Pre-Approved
A pre-approval shows sellers you're a serious buyer and helps you set a comfortable price range.
- 4
Find Your Home & Close
Once you're under contract, Mike keeps you informed from appraisal to the day you get your keys.
Let's Make Homeownership Happen
Your home financing journey starts with trusted guidance and personalized service. With Mike Whitener, you'll have a dedicated mortgage professional ready to help you explore your options, answer your questions, and find the VA loan solution that best fits your goals.
Apply for a loan now