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VA Purchase

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VA Refinance

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VA Home Loan

Are you are a veteran, member of the military or military spouse? You may qualify for a VA loan.  VA Loans offer flexible options as either fixed-rate or ARM mortgages.  You may qualify for fast approval and a hassle-free loan even with less than perfect credit.  Refinance up to 100% of your home or buy a new home with no down payment and never pay monthly insurance (PMI)!

Meet our Veteran Mortgage Banker

Denise Wagner, Mortgage Banker | NMLS #: 1021023

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Welcome to Refined Lending! I am Denise Wagner, Refined Lending’s “Favorite Veteran”, 😊

I had the privilege of serving as a Naval Aircrewman based in McMurdo Station, Antarctica for a good portion of my Naval career.

After graduating from Naval Aircrew Candidate and Flight Schools in Pensacola, Florida I went onto TDY assignments in Memphis, TN, and Witchita Falls, TX (Lackland Air Force Base), before my first permanent assignment at NAS Point Mugu, CA. VXE6, My Squadron @ Mugu, supported the National Science Foundation of America, in Antarctica. Fun Times!!

I look forward to hearing the stories of your time in the Service if you chose Refined Lending and I. Having worked in the mortgage industry for 25+ years, I know VA Loans, and will work hard to get your loan done quickly, and without “surprises”.

Cory Cove from KFAN talks with owner Nate Raich about VA Home Loan options with Refined Lending.

  • 30-, 20- & 15-year fixed-rate and 5-year ARM loans available
  • Jumbo VA loans available
  • Refinance up to 100% of your primary home’s value
  • VA Streamline Refinance with a reduced funding fee and flexible documentation requirements – available for veterans currently in VA loans
  • Buy a home with no money down (primary home)
  • No monthly PMI (Private Mortgage Insurance)
  • VA loans are governed by the U.S. Department of Veterans Affairs

**Refined Lending is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA or the Federal Government.

  • Fixed rate monthly payments are based on interest rate, principal loan amount and amortized interest over 15, 20 or 30 years. Your payment will not change throughout the life of the loan
  • ARM interest rates are fixed for a period of 5 years. After the fixed rate period, your interest rate can adjust up or down depending on the market
  • Pay your mortgage at any time without pre-payment penalties

Got questions?  Give us a call!  One of our mortgage specialists would be happy to answer all of your questions and get you started with a great low rate today!

  • We put YOU first.
  • Refined Lending offers some of the most competitive rates in the Nation!
  • Fast and efficient, we close most of our loans in 30 days or less.
  • We offer a variety of loans. Refined Lending will find you the loan that is right for you!!!
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