John Csoka - Loan Officer Extraordinaire NMLS #212307

While I have over 25 years of all residential lending programs, this page is dedicated to my ability to help veterans. No team is more qualified to help those that have served our country.

We can approve loans down to a 500 credit score!

Operating as usual

[11/08/20]   I don't have time to share all of our happy customers but this one is a bit more special. Zelda was convinced she could not buy a home during our first conversation. We qualified her, put her in touch with the best realtor in the Richmond area, Keia Evans and less than 2 months later , she owns a home. We are very happy for her and look forward to helping many others buy their first home.

[10/18/20]   Another Ft. Hood Veteran helped due to the teamwork with Asad Shaikh. No realtor works harder for buyers in Killeen TX. Thanks for your help in taking care of this Veteran.

[10/16/20]   Definitely takes more hours of your day to help buyers on the west coast but it's very rewarding. Who's next!

[09/16/20]   Another Veteran helped when others couldn't! Special thanks goes to Keia Evans for all of her hard work. Couldn't ask for a better realtor to help veterans in the Richmond area.

To all Law Enforcement workers, I value your service and commitment. I have joined Homes For Heros as a way to help provide extra savings to assist you in home ownership. Contact me at 703-627-8250 to learn how you can save on your next home purchase or refinance.

[08/12/20]   Happy to help another buyer with her first home! Thank you Keia Evans for all of the hard work you do for your customers

[07/22/20]   I don't have time to share all of these, but this was a particularly tough loan. Dedication from our team, the incredibly hard working realtor Mark Price II and our buyer's persistence made it happen. Very happy for her.

John Csoka - Loan Officer Extraordinaire NMLS #212307

100% Financing is also available for my non-Veteran customers.

Want to own a house? - We can approve 100% loans with a credit score down to 640 (3.25% Interest Rate & 3.65% APR) and have you in a house before summer is out! Get a complete list of 🏘️ homes that you could buy opposed to renting! No down payment required with this new loan program!

Start by getting our 🏘️ list of local homes you may be interested in by clicking "Learn More" below! 🙏 We look forward to helping you move into your next home!

American Financial Network
John Csoka
10 Pointe Dr, Suite 330, Brea, CA 92821
Mon - Fri 8:00 am - 5:00 pm PT
1-703-627-8250

[07/09/20]   Another Veteran helped, love this job!

[07/08/20]   The lending process is not always easy but our team will always finds a way to get your loan closed.

John Csoka - Loan Officer Extraordinaire NMLS #212307

Thanks to our marketing efforts, we are finding more realtors that need our unique ability to close VA loans. Please share this information to any realtors you know.

[REALTORS] - We're still doing 580 FHA and 500 VA in Virginia and Maryland! Yes - you heard that right! (4.2%, 4.657 APR)

Be the hero by reviving your deal! We can do things that other lender's can't so make sure you get on our list to stay updated with market conditions so you can still close deals!

American Financial Network
John Csoka
10 Pointe Dr, Suite 330, Brea, CA 92821
Mon - Fri 8:00 am - 5:00 pm PT
1-703-627-8250

[06/10/20]   Peter Karl and I use our experience to help Veterans such as Gwendolyn buy a home when other lenders can't. It is truly a rewarding experience and why our branch is unique.

[05/27/20]   Another Veteran able to purchase because my team knows how to get the tough loans closed. So happy to help.

[05/26/20]   This is my goal for every transaction, great way to start the week

[05/23/20]   So happy to help another veteran close on her home. This loan was declined by another lender and left her with a contract and nowhere to live if we didn't close quickly. Our team is here to help.

bloomberg.com

Mortgage Lenders Tighten Screws on U.S. Credit in Echo of 2008

A great article to explain some of the recent changes to the market. It certainly takes more work, but we have figured out ways to still help borrowers with lower scores in spite of these changes

https://www.bloomberg.com/news/articles/2020-05-08/mortgage-lenders-tighten-screws-on-u-s-credit-in-echo-of-2008?utm_source=url_link&fbclid=IwAR3I-eyKn3aZc73P0JbwIyHfNIahp1hI3_0ceQY1v4yq_215eEo4I40lo8U

bloomberg.com Mortgage rates are at record lows, but borrowers hoping to take advantage are running into the toughest loan-approval standards in years.

We have not been able to have our official “Grand Opening” yet, so it was nice to have a quick video made to announce the opening of our new branch of American Financial Network.

Each member of our team was recruited for their exceptional talents and for being able to work above and beyond the norms in our industry. We look forward to inviting everyone to meet the team in our Manassas office soon.

[05/06/20]   It's nice when the job is easy but there is a higher level of satisfaction when you can take a tough loan and help someone close when others could not

John Csoka - Loan Officer Extraordinaire NMLS #212307

[03/30/20]   Many lenders are raising their guidelines and making lending tougher, but not us! We are still committed to helping Veterans purchase with CREDIT SCORES AS LOW AS 500.

[03/26/20]   Proud to be part of a team helping so many of our nations Veterans

[03/18/20]   Happy to help another veteran buy his home

[03/17/20]   My team is dedicated to making your dream of homeownership possible.

[03/13/20]   Proud to help another Veteran realize his dream of home ownership. My branch is committed to helping Veterans use the benefits they have earned.

hfotusa.org

Homes For Our Troops | Important Military Holidays 2019

https://www.hfotusa.org/important-military-holidays-and-observances-for-2020/https://www.hfotusa.org/important-military-holidays-and-observances-for-2020/

hfotusa.org There are many dates and observances set aside specifically to recognize military members and their families throughout the year. Here is a listing of some important military holidays for 2019.

[01/24/20]   Answer to a common question;

If you own a house, you can get another VA loan with your full entitlement guarantee if you've paid off the loan for the home you own or refinanced the mortgage to a non-VA loan. If you haven't paid off or refinanced the loan, you can still use a partial entitlement, which offers a limited guarantee.

A typical situation might be if a military member is getting moved from one base or post to another and wants to buy a home in the new area, Walden says.

But there's a big caveat: The home you buy with your new VA mortgage must become your primary residence. That means if you're hoping to use a VA loan for a vacation property or investment, you're out of luck unless you plan to move in full time shortly after closing.

John Csoka - Loan Officer Extraordinaire NMLS #212307's cover photo

[12/09/19]   VA guideline of the week:

When purchasing a home, the VA loan buyer can ask the seller to contribute up to 4% of the purchase price in seller credit. This seller credit CAN be used to pay off existing debt. This can allow the borrower to pay off higher interest debt as well as enable the borrower to qualify for a higher amount

Pearl Harbor... December 7, 1941. "A date which will live in infamy... no matter how long it may take us to overcome this premeditated invasion, the American people, in their righteuos might, will win through absolute victory." -FDR

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3202 Old Bridge Rd.
Woodbridge, VA
22192
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