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Steven Penske
VP of Mortgage Lending

Since 2001 I have been helping Veterans and their families take advantage of their VA home loan benefit. As a proud partners of the USO* to help increase Veteran Home Ownership, Guaranteed Rate has waived our lender fees for all VA loans through the end of 2021**. As a veteran of the mortgage business, I am an expert in all loan types including Conventional, Jumbo, VA, FHA, and USDA.
I will always make sure my customers understand all their options and always be available by phone, email and text to answer your home financing questions.
With the low housing inventory, I encourage all buyers to take advantage of GR's Approval Express program***. This program aims to get you fully approved by an Underwriter BEFORE you shop. This allow us to show sellers that you are already fully approved as a buyer and in position for a faster closing… you can even compete with cash buyers. Please apply now to get started or contact me for details.
* United Service Organizations, Inc. (USO) is a non-profit 501(ϲ)(3) organization (EIN/Tax ID: 13-1610451) and not part of the Department of Defense (DoD).
** Waived $1290.00 lender fee available for VA loans that have a triggered RESPA app date as of January 1, 2020 through January 1, 2021 at 12:00am EST. This offer does not extend to Housing Finance Agency loans. 'Triggered RESPA' in accordance with Regulation X, is defined as lender receipt of all six pieces of information received in a secure format; applicant name, property address, home value, loan amount, income and SSN. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Offer not available from any d/b/a or operations that do not operate under the Guaranteed Rate name. Restrictions apply.
*** Appraisal required for eligibility and subject to conditions.
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.
Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

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