What can you do to stop the BANKS that have already cost us BILLIONS in a TARP SCAM? Support Colorado VETERANS who have put their LIVES on the line for FREEDOM- and help protect your own FAMILY from financial hardship and economic crisis?
Dear Veteran & Fellow Coloradan:
Unless you have been in a cave over the last 3-4 years, I don't think that I have to tell you that America isn't run like it used to. It wasn't that long ago that you could trust a man at his word. His handshake was just as good as a signed contract. Politicians and Bankers used to exist as "public servants" instead of masters. We used to trust that a leader or business cared enough about our kids, our country and our sacred honor, that they would try to do the right thing- even if it wasn't easy. I fear that those days are past.
We have learned too much over the last few years. We have learned that some within our country want to take the best for themselves and leave us high and dry. When the "too big to fail" banks received over 700 BILLION in TAXPAYER funds to save their own rears did they learn any lessons? Did they change their ways? Did they apologize for their fraud and misrepresentation? Did they thank any veterans who had protected this country from enemies, foreign and domestic, for over 200 years? If they did, I never heard it.
Two Presidents + One Emperor vs. The Banks
I am not the first to notice what the banks have done to this country. We had been warned many, many times before (there is nothing new under the sun):
Our County wasn't three decades old before our 3rd President made this prophetic warning:
"And I sincerely believe, with you, that banking establishments are more dangerous than standing armies; and that the principle of spending money to be paid by posterity, under the name of funding, is but swindling futurity on a large scale." -Thomas Jefferson
Our 26th President renewed this warning in the early 20th century (even before the creation of the Federal Reserve):
"Issue of currency should be lodged with the government and be protected from domination by Wall Street. We are opposed to... provisions [which] would place our currency and credit system in private hands." - Theodore Roosevelt
Even an emperor was afraid of the power the banks took from a people:
"When a government is dependent upon bankers for money, they and not the leaders of the government control the situation, since the hand that gives is above the hand that takes... Money has no motherland; financiers are without patriotism and without decency; their sole object is gain." - Napoleon Bonaparte, 1815
How they changed the Rules of the Game
After these "banksters" got their backs scratched by winking politicians- how did they pay us back? Did they give back their bonuses earned by fraud? Did they allow veterans foreclosed while deployed to get their homes back? Did they make it easier for veteran homeowners to access lower rates on their mortgages? No, they didn't. Before the ink was dry on the checks the politicians wrote them, the bankers began to tighten rules and regulations making it HARDER for Veterans to qualify for a loan. Incredible as it may sound, the bankers have been progressively making it more difficult for a veteran to refinance their house over the last 4 years.
What I am about to share with you makes my blood boil. First, just the facts:
- FACT #1 - The VA has no minimum credit score for a VA refinance - none.
- FACT #2 - The VA has no minimum credit score for a VA refinance - none.
- FACT #3 - The VA has no minimum credit score for a VA refinance - none.
That's the truth. VA does not require a Veteran to have good credit, any kind of appraisal (no equity needed) or a high paying job to lower his rate on his VA mortgage. The VA doesn't make you prequalify once you've been in the house and making your payments. They don't even require a paystub.
The VA knows that if you can make your mortgage payments at your present, high interest rate, than you can be pretty darned sure that you can afford a lower payment, at a lower rate, saving hundreds of dollars a month. Makes sense to me. Perhaps simple enough for even a politician to understand.
But would you believe (here it comes, get ready) that almost every bank in the country today says that these VA facts listed above (no credit score, no appraisal, no income) are NOT GOOD enough for them. Even though the US Government and Veterans Administration say that a Veteran does NOT need any of these items- most Banks have added these requirements over and above the VA requirements. Why? Because they have the money and the power, thank you very much. I guess it is their little way of saying "Thanks" to the US Veterans and active duty servicemen.
Does this make you feel like I do? I sometimes think I should ask them how many bankers have died for their country...
Also, doesn't it seem just a little bit suspicious that the Banks got their bailout, but the Veterans didn't? The banks pled for "mercy" from Congress and us taxpayers, but they then change the rules towards Veterans to keep you paying a higher rate loan (which goes into their pockets). Talk about "financiers without patriotism..."
How to Fight Back
I am not writing to just make you mad at the abuse and greed committed by the "too big to fail" banks. I want you to be informed so you can take action- to help fight these banks, support Colorado veterans and help protect your own families in these extremely trying times.
I have worked with Colorado veterans for over 14 years helping them to get out of high interest rate mortgages from these big banks, fighting for Vets against the ever changing bank regulations to provide to our Veterans their right to a lower mortgage payment as provided by Congress and the VA. It is a right you have already earned in blood, sweat and tears- one that no big banks have the right to deny.
Hello, my name is Brian Murphy, I am privileged to run a small, local Colorado-only company (Front Range Mortgage) that specializes in helping Colorado veterans lower their VA mortgage rates, often saving hundreds of dollars per month, allowing you to set aside money for an emergency fund for your families and allow us to contribute to Colorado veterans and wounded warriors through our sponsorship with Operation Homefront.
I am a small business owner who fights on your side against the big banks. The banks don't like me, but they respect me. They know that I know the VA rules better than most of their staff and that I will fight them all (blood, sweat and tears) to get my veterans what they have a right to- a lower rate and lower monthly payments. This is personal to me- we specialize in protecting veterans and I am married to a veteran (my wife Lesa Murphy was a US Navy lieutenant, and JAG officer, stationed at Naval Station Norfolk).
How Can We Help?
I want any veteran in Colorado to know that they can call me, anytime, to find me at their service. You served our country and I can help serve you. We help our veterans in many different ways, but here's a few of the most common things we do:
- Lower your present mortgage rate & payment (many are saving $200-$300 per month).
- Go to a shorter mortgage term (30 year to a 15 year) - allowing you to retire without a mortgage payment and save tens of thousands on your loan [mortgage payments at 78?]
- Refinance with NO appraisal - even if your home is upside down (home worth less than you owe)- I am approved on a loan pilot program to allow VA refinances with NO appraisal- just as per VA guidelines!
- Programs for less than stellar credit (two such programs still exist)
- True "No Closing Cost" programs (my favorite). Bring $0.00 to the closing and have $0.00 in closing costs rolled in the new loan. [This is how 90% of my clients refi today.]
- Skip one or two month's mortgage payments (if you like). [Pay off a credit card or take the vacation you cancelled last year]
Special Opportunity for Colorado Veterans
The "Veteran's Declaration of Independence"
The politicians bailed out the bankers. And left the veterans high and dry. The Banks got the gold mine. The Vets got the shaft. But after all these years this shouldn't surprise us anymore. Rarely is it true that "I'm with the government and I am here to help you"! No thanks, we reply, we can take care of ourselves.
I want to help you with your own "Veterans' Declaration of Independence." No taxpayer funds used, no congressional approval required. You won't make your neighbor pay for your bills. You can pay them yourself. And you can do it at the expense of your bank by leaving their higher rates and payments. Take care of yourself and your kids.
It is my privilege to help veterans do just this, every day. Call (email or fax) me as I can serve you.
Brian G. Murphy
Manager, Veterans Services
Front Range Mortgage, LLC
(303) 524-9907 Denver
(719) 540-2020 Colorado Springs
Front Range Mortgage is a proud sponsor of Operation Homefront of Colorado- Helping Military Servicemen, Families & Wounded Warriors:
PS: For a limited time offer, we are proud to make a $100 donation, in your name, to Operation Homefront for every VA loan closed. Call, Fax or Email our "Veterans' Declaration of Independence" to fight the banks, support Colorado veterans and help provide financial security to your family. - Brian
Brian Murphy of Front Range Mortgage presenting check to Operation Homefront of Colorado Director to aid Colorado Veterans & Wounded Warriors.
Some of our Recent Testimonials...
"Brian - "Thank you so much for all of your help with our refinance. We can't thank you enough for looking out for our family!" "You're the Best!" -Shantel J. Aurora, CO (USMC)
"Good afternoon. I am writing to tell you how so very much your hard work is appreciated. You are getting me into a house that I so wanted. I will definitely recommend you to anyone who I know is looking for a Good Mortgage Broker. You worked so fast and hard to help someone you don't even know. Once again Thank You So Much." - Barbara C Denver, CO
"Thanks I so appreciate all your efforts! You have truly gone above and beyond on this one! Go home enjoy your son-he has probably forgotten what you look like." - Sher K Lakewood, CO
"We sincerely appreciate you...which includes your time, effort, expertise, tone of voice, prompt response and on and on. We'll look forward to talking with you soon!" - Stephenie B Arvada, CO
Oh, and I also wanted to let you know that I gave your contact info to a friend of mine. She and her husband have been thinking about refinancing their VA loan for some time now, but have been dreading what always seems to be such a daunting process. I let her know you've made it easy on us, and found us an amazing deal! Rachel & John N. - Colorado Springs, CO
Thanks again and again! Wow that was the perfect financial storm: ) I wish all refinances went so well. Saved $330 per month and immediate savings is around $4100 (2 month's mortgage skip + escrows). Amazing! Thanks for doing business, and we will continue... Robert B - Peyton, CO
Great to hear as you always provide top notch service. I also referred your services to a friend of mine... Bryan M. - Colorado Springs, CO (US Air Force).
"Dear Brian- I feel so fortunate to have Stumbled upon you so long ago! Thank you for always being reliable and honest. It has been a pleasure to work with you!" - Kate W. Wheat Ridge, CO
"Erin - Thank you for your kindness shown to me each and every time I called. Your effort and hard work made possible for me, a home, which I thought I could not own again. In deepest gratitude." - Jeannie C. Aurora, CO
"Brian- I really appreciate the exceptional service your company provides. Most companies would not follow up the way you guys do...I would definitely refer you to all of our friends and family. Thanks! -Kyle and Steph D Castle Rock, CO
"Brian - "I enjoy your weekly reports. Your professionalism and service is second to none, a lost art in this day and age. My very best to you and your staff. " - Lee H. Denver, CO
"Hi Brian- "Thanks again for all your help. You have always been very responsive and a pleasure to work with.
We will definitely keep you in mind if we are ever in need of another loan." -Teresa and Alfonso V. Colorado Springs, CO (US Army)