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NMLS #70358
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VA Purchase - VA Refinance - Zero Down VA Loans - VA Streamline - VA Disability - VA Real Estate
Vancouver, Washington VA Home Loan Team - Since 1992 (Veteran Owned And Locally Operated)
- 0$ Down VA Home Loan to $417,000
- VA Service connected disability as low as 10% saves thousands
- VA Eligibility can be used more than once
- VA Streamline your existing VA Home Loan to a lower interest rate
- Refinance and cash out your present home and receive 90% of it's present value with a VA Loan
- VA Loans, the seller can pay all of your closing costs
- Veterans can do a VA Loan 2 years after a bankruptcy
We Have Helped
- U.S. Army
- U.S. Navy
- U.S. Air Force
- U.S. Marine Corps
- U.S. Coast Guard
- Army National Guard
- Navy Reserve
- U.S.M.C. Reserve
- Army Reserve
- Air Force Reserve
- Coast Guard Reserve
- VA Loans have no mortgage insurance
- VA Home Loans work for Reserve and National Guard components with 6 full years of service
Call now to let us help you get a VA Home Loan! Vancouver WA VA Home Real Estate. 100% VA home Loans Vancouver Washington, VA loans
Why Wait? Call Your VA Home Loan Experts Today! 360.571.LOAN (5626) 800.920.5420 Office hrs: 7am - 5 pm Mon - Fri
Find out about all the great VA Home Benefits you have earned! Vancouver WA VA Home Lending Based On Veterans Helping Veterans No Money Down, VA Real Estate Home Team
Michael R FrakesNMLS #71539 Sr. VA Loan Specialist U.S. Navy Retired Direct: 360.567.3768 Cell: 360.904.8729
Mike@VALoanSpecialist.com
Kerry N. GreenwaldNMLS #70269 Sr. VA Loan Specialist U.S. Army/Reserves Direct: 360.567.3761 Cell: 360.910.0651 Kerry@VALoanSpecialist.com
Floyd N. GreenwaldNMLS #11054 Sr. VA Loan Specialist U.S. Army Retired Direct: 360.567.3765 Cell: 360.606.9171
Floyd@VALoanSpecialist.com
Creekside Mortgage Inc. donates $100 for every VA home purchase closed in the name of the borrowing Veteran. This donation provides college educations to children of fallen military soldiers.
Robin Conrad VA Real Estate Agent Service US Army Direct: 360.903.1129 TF: 800.777.7488
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VOW To Hire Hero’s Act
December 19th, 2011
Congress has passed, and the president has signed into law the VOW To Hire Hero’s Act of 2011. Included in the law is the Veterans Retraining Assistance Program (VRAP) for unemployed veterans. This new program is set to roll out on July 1st, 2012 and will provide retraining for the veterans hardest hit with the current economic conditions.
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The VRAP is offering 12 months of training assistance to unemployed veterans and limited to 45,000 participants during fiscal year 2012 and to 54,000 participants from October 1, 2012 through March 31, 2014. Participants may receive up to 12 months of assistance at the full time payment rate under the Montgomery GI Bill – active duty program.
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Participants must be enrolled in a VA approved program of education offered by a community college or technical school. To see the rules, regulations and guidelines for this Act please go to the US Department of Veterans Affairs or the Department of Labor.
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 Kerry N. GreenwaldÂ
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
C.A.R.O.L. Toy Drive 2011
December 16th, 2011
For over 50 years the C.A.R.O.L. program, Christmas Activities Relief Organization Limited, has helped families in our community keep the holiday spirit alive by assisting those less fortunate during the holidays. This year, our family here at Creekside Mortgage Inc, decided we wanted to help them do what they do best. In conjunction with our vendors, employees, the American Legion Post #27 and other companies we cooperate with, Creekside Mortgage was able to collect over $300 in toys and gift cards to help the CAROL program continue their amazing act of kindness. We hope that our efforts are able to assist the Camas Fire Department to bring more attention to their cause so that this program can continue to grow and give the members of our community a little stress relief during this holiday season.
 Kerry N. GreenwaldÂ
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
Christmas Concert for Vet’s
December 1st, 2011
Clark County Veterans Court Board , is holding a Christmas Concert for veterans December 8th from 5:00 PM to 7:30PM. Doors open at 4:30 at the Dragonfly Café on 1300 W Franklin Street in Vancouver, WA. Tickets are available online at www.ClarkCountyVetsCourtBoard.org and are $15. There will be food and refreshments and the headliners are Ricky Lee Jackson and Grammy Award winner Doug Smith. There will also be special performances by Ragtime, Old Time Fiddlers, Fort Vancouver Pipe Band, Nikki Hubert with the Living Free Band, Siarra Edmundson and Jesse Wade as Sinatra. Come join us for the festivities and help raise money for the Clark County Washington Veteran’s Court Board.
Kerry N. GreenwaldÂ
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
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Real Estate and Unemployment in Clark County
October 2nd, 2011
The Real Estate market in Clark County seems to have finally leveled off. There are still tremendous amounts of foreclosures that economic factors have affected. Until we can curve those numbers and have the numbers skew the other way, unemployment will continue to affect housing prices.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
208-424-6770
www.VALoanWA.com
www.OregonVALoan.com
The Greenwald Team email
October 1st, 2011
One benefit of adding an email for the team is that everyone in the team gets the message and it will help the overall flow of communication in the office. The new email name is: TheGreenwaldTeam@Creeksidem.com which will enable distribution to everyone. Employees associated with title companies, real estate agents, and borrowers can use this email, and this way everyone will get the message and it will be dispersed properly. Ultimately it would prevent tasks from being delayed so the response will happen instantaneously.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360-571-LOAN 5626
www.VALoanWA.com
www.OregonVALoan.com
Subordinating your second mortgage
September 1st, 2011
Our volume of IRRRLs (Interest Rate Reduction Refinance loans) for VA continues to increase due to market conditions. Last year it was impossible to do subordinations, in which a client kept their second mortgage as it is, while trying to refinance the first. In a subordination agreement, the second loan is not paid off but, the lender who holds the second mortgage agrees to keep your loan intact and remain in second lien position on your house. Getting a subordination allows you to refinance your first mortgage to lower your interest rate. We have had certain situations where people dropped their first rate but still have the second.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360.571.LOAN (5626)
www.VALoanWA.com
www.OregonVALoan.com
Homeless veterans to get additional housing
August 11th, 2011
Space on Vancouver’s Veterans Affairs campus has been picked as a location to build housing for homeless veterans. The 1.35 acre parking lot will be used to expand housing for veterans in need. The project, providing it follow the timeline of previous projects, should break ground in the next 12-18 months pending an executed lease and financing for the development and it could include permanent or transitional housing for up to 24 months. The veterans may also have the option of a rehabilitative program or be able to support veterans with families.
Spokane is the only other VA site that has been slated for the Building Utilization Review and Repurposing Initiative in the state of Washington. The VA and Department of Housing and Urban Development estimate that there are almost 2,000 homeless veterans just the state of Washington.
Michael Frakes
NMLS#71539
www.valoanspecialist.com
Creekside Mortgage
360-571-5626
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VA Service-Connected Disability Claims
July 26th, 2011
 We have come across quite a few people recently who have claims in to the VA for VA service-connected disabilites waiting to purchase a home until the disability claim is awarded so they will be exempt from the VA funding fee is a little-known secret out there that you are typically backdated to the filing date of your disability. If you do purchase a house in between that date, you will be refunded the funding fee back from the VA. However, this is not always the best route to go because you technically don’t get the money back in your pocket; it is given back to you to give back to the bank, so in reality you are financing the interest of that cost over the life of the loan. If you wait it is always the best scenario to do, but in that rare situation where you want to buy the house, don’t let waiting for the disability award stop you from doing that.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360.571.LOAN (5626)
www.VALoanWA.com
www.OregonVALoan.com
Creekside Mortgage New VA Logo “NW #1 VA Home Loan Experts”
July 18th, 2011
We changed our logo representing the fact that we are the number NW #1 VA Home Loan Experts. We really want to change our motto towards that, due to the fact that 90% of what we do now is just VA in Washington, Oregon, and Idaho. We can do all types of loan options, but VA seems to be the major factor of what Creekside Mortgage has been doing. The majority of employees that work at Creekside Mortgage are prior service, or either had parents in the service or family members who are Veterans. Our pride in continuing to specialize in VA will definitely be something we carry into the future.
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360.571.LOAN (5626)
www.VALoanWA.com
www.OregonVALoan.com
Chelsey Howard the New Member of the Greenwald Team
July 15th, 2011
We have a new team member today on The Greenwald Team to help facilitate VA transactions and make the process smoother. Jenn Stanford and I will continue to do more of the front-end production and setting the files up. Chelsey Howard will do more of the coordinating, making sure appraisals are ordered, and help overall with closing transactions quicker. Our main focus is to stand by our advertised 25-day close, which is almost twice as fast as anyone in the industry on a VA transaction. This makes the consumer Veteran happy, the banks happy, the title company happy, and the real estate agents happy. We welcome Chelsey Howard to the team and look forward to many years together!
Kerry N. Greenwald
NMLS # 70269
Sr. VA Loan Specialist
Creekside Mortgage Inc.
360.571.LOAN (5626)
www.VALoanWA.com
www.OregonVALoan.com
Article Archive Page 2
Testimonials
“We just purchased a home and we did our VA loan through Creekside Mortgage. We worked with Floyd Greenwald. Our experience was SO wonderful, we’ve referred three friends to Creekside!”
June Davis Vancouver, WA
VA Loan Specialist:Kerry N. Greenwald,USAR/Army “I just did a VA streamline refinance with Creekside Mortgage. They were kind, courteous, and professional.”
Tom Knox,U.S. Navy Veteran
VA Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR "I have known Kerry Greenwald for a number of years now. He has worked on several transactions for me, both purchases and refinances, and I've come to have complete trust in him.
"When this home purchase came up, there were a lot of questions about what I should do or not do, so I gave Kerry a call, and he took care of everything. I trusted him and his staff and all the folks at Creekside Mortgage to handle all matters for me, including getting the best interest rate, finding the right lender, and everything else.
"I have nothing but the best thoughts for him and all his staff. They were all very professional. I am completely satisfied with my loan."
Mr. Wilton C. Carter, Vancouver,WA. USAF ret.
.Loan Specialist: Kerry N. Greenwald, USAR/Army "We have worked with Kerry Greenwald and his team several times now. When we bought our first home, we were new to the process and appreciated his guidance along the way. When we bought our second home, we didn't hesitate in calling Kerry again. The opportunity recently came up to refinance our home and Kerry helped us throught that process as well.
I cannot imagine anyone else going the extra mile like Kerry and his team at Creekside Mortgage have always done. In this difficult economy, I knew they had our best interests at heart and we relied on their expertise. We have every confidence in Kerry Greenwald and his team at Creekside Mortgage and would recommend them to anyone wanting to refinance or purchase a new home."
Sean and Lacey Pittman, Vancouver, USMC
Loan Specialist:Kerry N. Greenwald, USAR/Army "I wanted to say you guys are great and I appreciate all the hard work getting my loan through. I will definetly recommend you to anyone I know getting a home loan."
Fred Bader, U.S. Army, Vancouver,WA
Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR "My appreciation for the service and respect I was treated to is worth passing along to potential borrowers. Jenn and Kerry actually LISTEN to what your situation and wishes are. Creekside immediately went to work without delay and kept me informed at all times with email, regular mail, and telephone of progress toward refinancing. They are Veterans helping Veterans and are proud of over 40 years of dedication to helping Vets use their VA benefits. My experience resulted in using my VA benefits for the first time in real estate. It was an effortless process on my part. I left their office feeling a lot better than when I arrived, and I met new friends there. Creekside rocks! Even if you are not refinancing, meet these folks - they're the best!
Michael Harding, U.S. Army, Vietnam, Salmon Creek, WA
Loan Officer: Kerry N. Greenwald, U.S. Army/USAR "The folks at Creekside Mortgage were fantastic! I felt that Kerry and Jenn truly cared about helping my wife and I purchase our first home. After recently getting married and with a baby on the way, purchasing your first home could be a very stressful time. However, the wonderful people at Creekside kept us informed and were honest and positive about the process. We trusted their expertise fully and they came through for us. As a Veteran, it's always good to know someone has your back. Thank you, Creekside Mortgage, for all you do."
Tim and Becky Fox, Vancouver, WA
Loan Specialist: Kerry N. Greenwald, US Army/USAR "Creekside Mortgage helped us purchase our condo, and we worked with Ron Hambright at Century 21 as our realtor. Ron was very patient and helped us find the perfect home for our needs. Later, when interest rates dropped, Creekside helped us refinance through the VA loan program to reduce our interest rate and monthly house payment. We are very proud of the interest rate we now have. Kerry explained everything to us and answered all our questions. We highly recommend Creekside Mortgage!"
Bill and Sheila Brandon, Vancouver, WA
Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR "Kerry Greenwald at Creekside Mortgage did an excellent job of taking care of the customer, me! I got a call when despite a small size of my balance after Kerry's help paying down of the original VA balance. The call came out of the blue, Kerry saying "it finally pencils out!" I dropped my interest rate over a full point! It was done in a fast manner, and they kept me informed via a unique, secure online system they employ. I heartily recommend that if you want a professional in your corner, see Kerry and his colleagues at Creekside Mortgage, for they are exactly that!"
Michael Mitchell, Vancouver, WA
Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR "Over the past 10 years Kerry has assisted my family and I countless times in VA oriented mortgage loans. He is the master of the "streamline" and always pays attention to many details necessary to close any deal. I would not hesitate to trust Kerry to get the job done....ever. He will look out for your best interests and truly has his fellow Veterans' needs and concerns always as his top priority. I truly appreciate all the efforts of Kerry and his staff.
Cody Schram,U.S. Army Vancouver
Loan Specialist: Kerry N. Greenwald U.S. Army/USAR "We just did an interest rate reduction loan with Mike Frakes. Twenty five thousand thank-yous for the amount of money that your hard work is going to save me over the life of our loan. What else is there to say? When Dorothy and I first met you and purchased our home with a VA loan we got through you, I remember that I said to you that I had no idea what I was doing regarding the mechanics of purchasing a home. I am so glad that we trusted you. Your knowledge and years of experience have saved us a great deal of money, and that is above and beyond all of the other things we appreciate you for. You've introduced us to other people who have been of great value to us, people like yourself, dedicated to guiding a person in a way that will help give them the opportunty to obtain success. Thank you for being who you are, and for trusting us with your many associates.
Robert & Dorothy Carey, U.S. Marine Corps, Vancouver
Loan Specialist: Michael Frakes, U.S. Navy Retired "Full-time RVing--that's what my husband and I did for the last six years. In 2003, he was forced into a 100% VA disabled unemployable retirement. We sold everything we had except what we needed to exist on, bought a fifth wheel, and hit the road.
"In December 2009, my husband had a health scare and we decided that we needed to find a realtor and buy a house. We came to Vancouver, Washington, and as we changed banks, the bank representative recommended we talk to Kerry Greenwald with Creekside Mortgage, as his reputation for helping Veterans was excellent. We were also recommended to talk to Ron Hambright at Century 21 Realty, as he was a great VA realtor. With the help of these two, we were pre-qualified for a loan and we found a house.
"Kerry and his staff, including Pam, along with Ron at Century 21, put more effort and time into our cause than we ever expected! Kerry knew we had a great chance for a mortgage loan, and as a Veteran himself, he was dedicated to helping his fellow Vets get the best deal possible in a timely manner.
"There aren't enough words to express the length that Kerry and his staff went to on our behalf. If I had it all to do over again, I would still want Kerry on my side."
Don and Vickie Workman, U.S. Army, Vancouver, WA
Loan Specialist: Kerry N. Greenwald, U.S. Army/USAR Mike, when Dorothy and I first met with you, I knew in no time that you were more than a man who works to assist Veterans to gain financing for a new home--you were also a man who made us feel welcome. In less than a month that it took for you to get our approval for financing, I saw a friend when I entered your office. I know that you worked hard, but I also know that the reason for your dedication to what you do is because of your passion to help your fellow Vets. I have great confidence and trust in your integrity, and admire your dedication to solving the many problems that cropped up during the entire process. All I know is that you turned two people from renters to homeowners, and we thatnk you. I know that you will continue to change many lives for the better, and can only hope that aside from your desire to give to others, it will come back to you on every wave, to a face that always wore a smile, and a handshake that always said "don't worry." We can't thank you enough. Your friends,
Robert and Dorothy Carey, Marine Corps, Vancouver, WA
Loan Specialist: Michael Frakes, U.S. Navy, Retired "We just bought a home through Creekside Mortgage, and they went above and beyond what was expected. Mike was the driving force (with help from God above) for the collective effort that made our loan work. We will spread the word of the service you provide and will remain humbly grateful for all of your efforts. Special thanks to Mike and may God bless you all. Thank you so much.
Perry and Oksana Oakes, Vancouver, U.S. Army Special Forces
Loan Specialist; Mike Frakes, Retired U.S. Navy "My refinance with Creekside Mortgage was hassle free. The staff is friendly and competent and they are always available to answer my questions. I will continue to use Creekside Mortgage because when it comes to something as important as your home you just want everything to go right, and I can depend on them."
Frank and Rebecca Russo, Airforce, Vancouver, WA
Loan Specialist: Kerry N. Greenwald
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