I'm an Army veteran and a Loan Officer with Saxton Mortgage — a UWM Top 1% partner licensed in 38 states. I've used this benefit myself, and I'd like to help you use yours well — here in Clarksville, or wherever your next set of orders takes you.
The VA sets no minimum credit score. Most lenders add one anyway.
If you've been told you need a 620 or a 640, that wasn't a VA requirement — it was a lender overlay, one company's internal rule. The VA doesn't publish a minimum at all.
Knowing which wholesale investors apply that overlay and which don't is a meaningful part of my job. If you were turned down on score alone, it's worth one conversation before you accept that answer.
See where you stand
About two minutes. No credit pull, no obligation.
Awards earned by Saxton Mortgage, the lender behind your file.
VA financing is where I spend most of my time, but it isn't the only door — and it isn't limited to Tennessee.
Buying in Clarksville, Montgomery County, or anywhere in Middle Tennessee. With full entitlement, VA loan size isn't capped the way most people assume it is.
I'm licensed in 14 states — Alabama, Arizona, Connecticut, Florida, Hawaii, Maryland, Michigan, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah and Virginia. If your orders send you to Cavazos, Bliss, Novosel, Huachuca or Redstone, we can often keep working together rather than starting over with a stranger.
I'll pull your COE for you at no cost, before you commit to anything. Most veterans don't realize a broker can simply do this on their behalf.
If you receive service-connected disability compensation you may be exempt from the VA funding fee. A surprising number of veterans pay it without knowing they qualified.
Worth reviewing when the math genuinely works in your favor. I'll show you the recoupment calculation so you can judge it yourself rather than take my word for it.
Declined elsewhere on score alone? That is almost always an overlay rather than a VA rule, and it's a different conversation with a broker than with a bank.
I also originate FHA, conventional, jumbo, self-employed and bank statement programs. There is usually a route, even when the obvious one closes.
Working with a broker doesn't mean working with a small shop. It means you get both.
Saxton Mortgage, LLC holds lending licenses in 38 states from Alaska to Wyoming under NMLS #1717191. That footprint is why the investor access behind your file is what it is.
Saxton is a Top 1% certified partner with United Wholesale Mortgage, the largest wholesale lender in the country — which affects pricing and turn times in ways a small independent shop cannot match.
I submit your file to multiple wholesale investors and bring the options back to you. A bank can only ever offer you the bank.
The institutional weight sits behind the loan. The relationship isn't outsourced — you work with me from the first call through closing, not a rotating queue.
Verify any of this yourself — I'd rather you checked than took my word for it.
As we were shopping around lenders, Mike was recommended by a realtor friend. We spoke to Mike and laid out our concerns and right away he made our worries feel at ease. All we did was ask if he could close on the date provided and he went to work. Mike definitely went above and beyond and he made sure to take care of his veterans. In the near future we would love to work with Mike again and would definitely recommend him to all our homebuyer friends.
Saxton Mortgage, LLC holds a 4.8-star average across 889 client reviews aggregated from Zillow and other sources. That rating reflects the company as a whole, across every loan officer.
Read them at Birdeye, see reviews specific to me on my Saxton profile, or look up NMLS #1666142 at nmlsconsumeraccess.org.
On most files the wholesale lender pays my compensation rather than you. On others it comes from loan proceeds at closing. Either way the exact figure appears in writing on your Loan Estimate before you're committed to anything, and I'm glad to walk through it line by line beforehand.
The questionnaire doesn't pull your credit — it uses your own estimate of your score. Nothing touches your credit report until you ask me to proceed and we both agree it's worth doing.
Usually yes, provided you tell me your report date at the start rather than the end. Timeline drives which investors I approach, and that's a decision that's much harder to revisit later.
To begin, nothing beyond the questionnaire. To go further: typically your COE or DD-214, recent pay stubs or LES, two months of bank statements, and photo ID. I'll send a precise checklist so nothing stalls late in the process.
No — and anyone who does before reviewing your file is telling you something they aren't permitted to say. What I can commit to is a clear, honest answer quickly, so you can plan around it either way.
So there are no surprises later.
I work remotely with clients across the states I'm licensed in. My office of record is Saxton Mortgage in San Diego — which in practice means you reach me directly rather than whoever happens to be at a branch desk.
I'm licensed in AL, AZ, CT, FL, HI, MD, MI, OH, OR, PA, TN, TX, UT and VA. Kentucky is the notable exception — if your home sits on the Kentucky side of the Fort Campbell line I'll tell you at the outset and refer you to someone licensed there, at no cost.
Below that figure, fixed origination costs take up too much of the benefit for it to be a fair deal for you.
If I'm not the right fit, I'd rather say so on the first call than three weeks in. That has cost me business occasionally. It's still the right way to do this.
About two minutes, no credit pull, and no obligation. You'll get a clear answer either way.
Check Your Eligibility Or call or text me directly at (619) 903-6659