Call or Message Me to Learn More
801-971-6901
Loan Types for Veterans
Purchases for Primary Residences
Interest Rate Reduction Loans (IRRL Refinance)
Cash Out Refinances
Licensed VA Loan Experts
HI, I'm Carlo
With over 20 years of experience as a Mortgage Loan Officer, including the last 14 years with SecurityNational Mortgage Company, I've dedicated my career to helping people make smart, confident decisions about their homes and finances. Today, I'm proud to focus on helping Utah veterans, active-duty service members, and military families use the VA home loan benefit they earned through their service.
You served our country. Now let me serve you. Choosing a VA lender is a big decision, and you deserve someone who takes the time to understand your goals instead of just closing a loan. Whether you're buying your first home, moving to a new duty station, or refinancing to lower your payment, I'll walk you through every step of the VA loan process, from your Certificate of Eligibility (COE) to the day you get your keys.
What a VA Loan Can Do for You
The VA mortgage is one of the most powerful home loan benefits available. Depending on your eligibility, you may be able to take advantage of:
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No down payment on a VA purchase loan
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No monthly private mortgage insurance (PMI)
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Competitive VA loan interest rates
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Limited closing costs, with seller-paid concessions allowed in many cases
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VA IRRRL (Interest Rate Reduction Refinance Loan) options to lower your rate and payment
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VA cash-out refinance options to tap your home equity
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Flexible credit and qualification guidelines compared to many conventional loans
Who Qualifies?
VA loans may be available to veterans, active-duty service members, National Guard and Reserve members, and some surviving spouses. I'll help you request your Certificate of Eligibility and understand your VA entitlement, VA funding fee, and what you can afford, so there are no surprises.
Why Work With Me?
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20+ years of mortgage experience. I know how to guide VA buyers through the process smoothly.
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Local, licensed Utah expertise. I'm licensed in Utah and based right here in Murray, serving veterans across Salt Lake County and the Wasatch Front.
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Backed by a trusted name. SecurityNational Mortgage Company is a branch of Security National Financial Corporation, a Utah-based company with over 30 years serving our community.
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Education first. An informed borrower is a confident borrower. I'll explain your VA loan options in plain English before we ever talk numbers, with no pressure and no obligation.
Call to Action
Ready to see what your VA loan benefit can do for you? Call me today or request your free VA loan consultation and let's find out how much home you qualify for.
The Options and Benefits!!
WHAT CAN YOU DO WITH A VA LOAN?
Buying a New Home? A VA Purchase Loan Is a Smarter Way to Do It. VA Purchase Loan in Utah | Buy Your Next Home With the Benefit You Earned
Struggling With Debt? Lowering Your VA Mortgage Payment Could Free Up Breathing Room! VA IRRL in Utah | Lower Your Rate, Lower Your Payment
Unlock Your Home Equity: Why Veterans Choose a VA Cash-Out Refinance? VA Cash-Out Refinance in Utah | Turn Your Home Equity Into Cash
Your VA loan benefit isn't a one-time deal.
Whether you're a first-time buyer, relocating to a new duty station, or ready for your next chapter, a VA purchase loan can help you buy a home with no down payment and no monthly private mortgage insurance (PMI) for qualified buyers with full entitlement.* Many veterans don't realize how often and how many ways this benefit can be used.
You may be able to use your VA loan again, even if you've used it before:
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Restore your entitlement. If you sold the home and paid off the VA loan, you can often restore your full entitlement and buy again.*
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Keep your current home and still buy. If you want to hold on to your first home, such as renting it out, you may be able to use your remaining (bonus) entitlement to buy another home with little or no down payment.*
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Use leftover entitlement after a foreclosure. If a prior VA home loan ended in foreclosure, you may still have remaining entitlement, or may be able to restore it, depending on your situation.*
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Buy a higher-priced home. VA loans can be used for jumbo loan amounts. With full entitlement there is no VA loan limit, though lender guidelines still apply. With reduced entitlement, a down payment may be required on the amount above the limit.*
Save thousands: the VA funding fee may be waived.
Veterans who receive VA compensation for a service-connected disability are generally exempt from the VA funding fee, as are Purple Heart recipients and eligible surviving spouses.* That can mean thousands of dollars saved at closing and a lower loan balance.
More ways the VA purchase loan helps you buy smarter:
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Seller-paid closing costs. Sellers can help cover your closing costs and concessions, making the purchase more accessible.*
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Keep your savings invested. Buy without draining your cash reserves.
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Competitive VA loan interest rates.
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Flexible qualification guidelines compared to many conventional loans.
Why settle for less when you can buy smarter? As a Utah VA loan officer with 20+ years of experience, I'll review your Certificate of Eligibility (COE), explain exactly how much entitlement you have left, and map out your best path to a new home, with no pressure and no obligation.
If monthly bills are weighing you down, your mortgage may be the best place to start.
When credit cards, medical bills, and other payments are stretching your budget, a lower mortgage payment can make a real difference. If you already have a VA loan, the VA IRRRL (Interest Rate Reduction Refinance Loan), also called a VA streamline refinance, may let you replace your current rate with a lower one and reduce your monthly payment.*
Why veterans choose the VA IRRRL:
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Lower interest rate and monthly payment, which frees up cash each month
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Limited paperwork. Many IRRRLs don't require a new appraisal or full income verification.*
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Low out-of-pocket costs. Closing costs and the VA funding fee may be rolled into the loan in many cases.*
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No cash-out and no new debt, just a better rate on the home you already own
How veterans put the savings to work:
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Pay down credit cards and high-interest balances faster
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Catch up on medical bills
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Ease the monthly budget and reduce financial stress
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Build a cushion for the unexpected
Need cash to pay off debt all at once? A VA cash-out refinance lets you tap your home equity to consolidate debt into one VA loan payment. I'll compare both options so you can choose the one that fits your goals.
You served our country, and this is a benefit you earned. As a Utah VA loan officer with 20+ years of experience, I'll show you whether an IRRRL makes sense and what your new payment could look like, with no pressure and no obligation.
As a veteran homeowner, the equity you've built over the years can become a powerful financial tool, and you can use it without selling your home.
With a VA cash-out refinance, you can replace your current mortgage with a new VA loan and receive the difference in cash. If you qualify, you may also be able to lower your interest rate, change your loan term, or move out of a non-VA loan and get rid of monthly private mortgage insurance (PMI).*
It's a benefit you earned through your service, and I'll help you use it wisely.
Use your VA cash-out refinance to:
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Pay off high-interest credit cards and other debt
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Fund home improvements and repairs that add value
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Cover education costs or major life expenses
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Consolidate debt into one lower, more manageable payment
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Build a financial cushion for the unexpected
Already have a VA loan? The VA IRRRL (Interest Rate Reduction Refinance Loan), also called a VA streamline refinance, may help you lower your interest rate and monthly payment, often with limited paperwork.
Why VA homeowners choose to refinance:
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Access your equity with competitive VA loan interest rates
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Possible lower monthly payment
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No monthly mortgage insurance on VA loans
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Flexible qualification guidelines compared to many conventional loans
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Stay in the home and community you love
You served our country. Now let me help you make your home work for you. As a Utah VA loan officer with 20+ years of experience, I'll walk you through your options in plain English, from checking your Certificate of Eligibility (COE) to closing day, with no pressure and no obligation.
Ready to see how much equity you can access?
Paul and Stephanie, Magna
"Carlo and Nikki Were awesome with both loan and real estate side of helping us get into our first home using our VA Entitlement. They even helped us with our Disability and getting the funding fee waived."
Brennan.,
Salt Lake City, UT
"Carlo was able to get our interest rate lowered using an IRRL Loan. He is so knowledgable and helped us set up a budget as well"
Rudy V., Layton, UT
Carlo helped me with a cash-out refi so I could pay off all my debt. After that, he guided me through buying an investment property. I never felt rushed or left in the dark, he explained every step clearly. Carlo really knows his stuff, from loans to real estate, and it made a huge difference for me. If you want someone who understands both the financial side and the property side, he is your guy. He is so well rounded and knowledgeable. Highly recommended.
Carlo Sanchez
SENIOR LOAN ORIGINATOR NMLS 304103
801-971-6901 Cell
433 Ascension Way, Suite 500
Salt Lake City, UT 84123
Branch: 801.838.9808
Corporate: 801.264.8111
SecurityNational Mortgage Company nmls#3116
*Borrower must qualify for loan, rates and products are subject to change and to borrower qualification. Equal Housing Lender NMLS 3116.
