Jerry Holland is an Army Veteran who served 9 years active duty, one year as a reservist and is currently serving in the Utah National Guard. He served overseas for 8yrs and completed a tour in Ramadi, Iraq from 2006-2007. During his tour he played an instrumental role in establishing nine Iraqi Police Stations and Outpost throughout Western Ramadi Province. When he left Ramadi, violence had decreased by 75% and he could see the civilians returning to a normalcy in living.
- THE AGONY OF BUYING HIS FIRST HOME –
When buying his first home, Jerry discovered a need for Veteran Advocates in the Real Estate and Mortgage industry. The whole process was daunting with unnecessary fees & inflated rates. He went through three Loan Officers and two Real Estate Agents before he found a team, he felt was confident enough to handle a VA Home Loan transaction. The whole process taught him experience was worth it’s weight in gold and not all lenders or agents are of the same caliber.
- COMMITTING TO CHANGE -
It was clear communication, education and integrity were key to factors missing in the lending industry. Change needed to occur, it took Jerry a year of planning and preparing before he was ready to leave his career as an accountant and dedicate his life to helping his fellow veterans become homeowners. This is a choice he would gladly make again.
Get the benefits you deserve and secure your dream home.
False understandings, myths and lack of knowledge have made many veterans unaware they are entitled to the best loan program in our offered in our country. Jerry is dedicated to educating Real Estate Agents, Home Sellers and Home Buyers during the home loan process. He personally calls the Listing Agent to discuss the advantages of a VA loan and strength of your file. Furthermore, he offers to speak with the Sellers of the home to further explain and why a veteran is a better choice for the community and their neighbors.
Statistics & Facts
On Average, veterans carry a 728 FICO credit score. The national average is closer to 700 for consumers.
The VA Loan has the lowest default rate among all other home loan products.
Veterans average 5%-10% down payments, even though the VA Loan does not require one.
“Tidewater” is only offered for VA appraisals
Receive lower interest rates
Did you know that the VA loan has had the lowest average interest rate on the market for consecutive years?
Discover more generous terms
VA-backed purchase loans can provide generous terms for individuals otherwise not able to secure a home loan at an affordable rate.
Realize the dream of home ownership
Cut out your own slice of the American dream without breaking your budget
Build a solid financial foundation
Use a VA loan to build a strong history of improved credit and stabilize your budget for many years into the future.
If you have an existing VA-backed home loan and you want to reduce your monthly mortgage payments—or make your payments more stable—an Interest Rate Reduction Refinance Loan (IRRRL) may be right for you.
Am I eligible for an IRRRL?
Already have a VA-backed home loan
Are using the IRRRL to refinance your existing VA-backed home loan
Certify that you currently live in or used to live in the home covered by the loan
Your current VA loan was funded over 210 days ago
Refi Date Checker
Insert the month and year of your first payment date to know when you're eligible for a refinance.
Are you ready to join the ranks of the VA homeowners and receive the benefits you deserve?
Jerry Holland, NMLS:1608953 - Utah Mortgage, Inc. NMLS: 1432672
Last Updated: April 23, 2021, 10:23AM
Purchase of a one unit Single Family Home as a Primary Residence in Utah. 760+ FICO Credit Scores. $400,000 sales price/appraised value, $300,000 Loan Amount (75% LTV), 1% or less in Loan Discount Fee quoted in Interest Rate and APR. Typical lender closing costs without pre-paid escrow items and discount fee for rate range between $3,000-$4,000. Escrow account for taxes and insurance included in the loan.
VA - Waived, Upfront Funding Fee.
FHA - APR Includes Upfront and monthly Mortgage Insurance Fees