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Choosing a VA Lender in Colorado: How Mike Oswald at Rate and The Kenna Real Estate Group Work With VA Buyers
Why Choosing the Right VA Lender Matters
Securing a VA loan in Colorado is easier with a VA-approved lender and a real estate team that knows VA rules. Many of our VA buyers work with Mike Oswald, VP of Mortgage Lending at Rate, and The Kenna Real Estate Group to buy with $0 down.
Many of our buyers use Mike Oswald at Rate and trust him. You are free to use any lender you choose, and the Kenna Real Estate Group receives nothing for the introduction. Mike Oswald, NMLS 261003 · Rate, Inc., NMLS 2611 · Equal Housing Lender.
Whether you're based in Denver, Colorado Springs, Fort Collins, or Pueblo, Mike Oswald at Rate quotes VA purchase loans and issues pre-approvals, and the Kenna Real Estate Group handles the search, the offer, and the VA appraisal and inspection steps.
Meet Mike Oswald at Rate
Mike Oswald is VP of Mortgage Lending at Rate and has been lending to Colorado families since 2001. He works with veterans, military families and first-time buyers on VA, FHA, conventional and down payment assistance loans.
What Colorado VA buyers get from Mike Oswald:
- Lending to Colorado families since 2001
- Pre-approvals and clear answers on your numbers
- VA rate quotes you can compare with any other lender
- Works closely with Kenna Real Estate Group for seamless closings
How The Kenna Real Estate Group Helps VA Buyers
The Kenna Real Estate Group has helped thousands of Colorado homebuyers navigate the VA loan process. Our agents are trained in all VA loan rules, appraisal issues, termite inspection needs, and more.
When you work with The Kenna, Real Estate Group you get:
- VA loan-savvy agents who know MPR guidelines
- Negotiation experts for seller concessions and repairs
- Access to off-market and veteran-preferred properties
- Step-by-step guidance from search to closing
From Fort Carson to Aurora to Castle Rock—we serve every city where Colorado's veterans call home.
Essential Considerations When Choosing a VA Lender
1. Compare Rates
VA loan interest rates fluctuate, so it's essential to shop around. Get a written Loan Estimate from Mike Oswald at Rate and from at least one other lender, then compare the rate, points and fees line by line.
2. Credit Score Requirements
Some VA lenders are stricter than others. Mike works with buyers across a wide range of credit profiles to find the right solution.
3. Fees and Closing Costs
VA loans come with fewer out-of-pocket fees, but comparing lender fees is still key. Ask any lender, Mike included, for every fee in writing.
4. Customer Service
Buying a home is stressful. You need a lender who communicates, closes on time, and genuinely cares. Ask any lender how they will keep you updated.
5. VA Approval
Always choose a VA-approved lender. Rate offers VA purchase loans.
Frequently Asked Questions by VA Homebuyers (FAQs)
Q: How do I choose a VA-approved lender in Colorado?
A: Compare written Loan Estimates from two or three VA-approved lenders. Many of our buyers include Mike Oswald, VP of Mortgage Lending at Rate.
Q: Can I buy a home in Colorado with $0 down?
A: Yes! VA loans offer 100% financing, and Mike Oswald works with Kenna Real Estate Group to make it happen.
Q: What credit score do I need for a VA loan in Colorado?
A: While the VA has no set minimum, most lenders prefer a 620+ score. Mike offers flexibility and guidance.
Q: How do I apply for a VA loan in Colorado?
A: Contact Mike Oswald for pre-approval. He'll help you get your Certificate of Eligibility and start your application.
Q: Is Kenna Real Estate Group experienced with VA loans?
A: Yes. The Kenna Real Estate Group helps VA buyers across the Front Range with VA appraisals, inspections and offer terms.
Summary for VA Home Buyers in Colorado: Choosing a VA Lender
If you're a veteran or service member looking to buy a home in Colorado, you want a lender and an agent team who know VA rules. Mike Oswald at Rate and the Kenna Real Estate Group work VA purchases from $0 down payment to closing day.
Related VA Home Buying Articles:
- Understanding the VA Loan Process in Colorado →
- Complete Guide to VA Appraisals in Colorado →
- VA Termite Inspection Guide for Colorado Homes →
- Step-by-Step Guide to Buying a Home in Colorado with a VA Loan→
- The Importance of Getting Pre-Approved for a VA Loan
