“Instead of making us feel like we were navigating everything alone, they were basically holding our hands and walking us through the entire process.”
We had what many lenders would consider a very difficult VA loan situation. Due to a temporary financial hardship following a work-related injury, our work hours and income were reduced for a period of time about two years ago. Unfortunately, this resulted in some delinquent accounts and charge-offs appearing on our credit history. Because of this, we were told by several people that getting approved for a mortgage would be extremely difficult, if not impossible. (VA can approved, but not the lender) Fortunately, our Redfin realtor Shauna Rumel , referred us to Josh Westmark at Rate Inc. From the very beginning, Josh took the time to listen to our story and understand what had actually happened. After hearing about the work injury, temporary reduction in income, and the financial difficulties that followed, he didn't hesitate or simply tell us that it couldn't be done. Instead, he said, "I can help you." And he did. We signed our offer letter on September 5, and we signed all of our closing documents on September 29. The funds were fully transferred to the seller on September 30, and we are now homeowners! Considering the first week included the Labor Day weekend, the entire process was completed in essentially three weeks. What impressed us most wasn't just getting the loan closed. It was how Josh and his entire team worked with us throughout the process. They were incredibly cooperative, responsive, and helpful. There were many steps and documents we needed to work through, but instead of making us feel like we were navigating everything alone, they were basically holding our hands and walking us through the entire process. Temporary financial hardship is real. People can go through difficult circumstances, fall behind financially, and still work hard to rebuild their financial lives. We are grateful that Josh looked beyond the numbers on a credit report and took the time to understand our circumstances and give us an opportunity. When many people told us that getting a lender to approved our VA mortgage was impossible, Josh and his team showed us that it was possible. We are truly grateful to Josh Westmark and the entire Rate.com team for helping our family achieve homeownership in such a short amount of time. I will absolutely recommend Rate.com to anyone who feels like their mortgage situation is too difficult or that they've been told "no" everywhere else. Thank you again, Josh and team, for believing in us and helping us get across the finish line! Highly recommend!
