If I was to give advise to anyone purchasing a home the most important thing to do is shop around for financing, the second is call JEFF YOUNG! After contacting six different lenders and all of them told me I could not get a second VA loan I contacted Jeff and he said without a doubt I could. After doing my research that you would think other loan officers would have done, it turns out Jeff was absolutely correct. Then comes the paperwork Jeff got me through it, answered every question, and responded to my phone calls and emails promptly. When it was complete Jeff got me a loan with an interest rate way below everywhere else, in total I will save between 60-70 thousand dollars over the life of the loan. He had all the paperwork complete and ready to close a whole week before the close date. I know from experience this is not always the case, in fact it is way more likely to have to push the close date, instead of being ready to close early. Without a doubt I could not of found a more professional, knowledgeable and great person than Jeff Young!! Do yourself a favor and let Jeff help you.