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What is a va mortgage loan

what is a va mortgage loan

Real Client Testimonials

I have closed two loans with Joe. One was a refinancing and the most recent one was a home purchase. With both loans, Joe was great to work with. He was always available to answer questions and on my most recent loan, he gave me great advice on how to best structure the loan in order to give me the most benefit. I have given his name to several of my friends, and I know at least two that have used him or are using him. They have thanked me many times for recommending Joe because of how knowledgeable Joe is and how stress-free he makes the process of getting a loan to closing.

I will definitely keep recommending him to anyone I know who is refinancing or buying a home. He's the best!


I am writing today to express how pleased my husband and I were to work with 1st Mariner Bank in refinancing our income property. Specifically Jon Zemarel and Mary Beth Norwood. They were friendly, professional, and got us through the whole process in less than a month. They were both patient with our questions and quick to respond to e-mails and phone calls. I wish I could say that all of my dealings with mortgage handlers were as pleasant as it was with these two!

Thank you, Jon and Mary Beth for taking such good care of us.


We just wanted to say thanks to you [Mary Beth Norwood] and the team at 1st Mariner for making our VA IRRRL go so smoothly. We had a difficult experience with another lender that left us a bit hesitant to pursue the refinance any further, but you quickly put us at ease. With a turn around of less than two weeks, we didn't even have time to worry!

So, again, thank you so much for showing us that there is someone out there willing to put the Veteran first in this process. You and 1st Mariner have helped us to have an easy, positive experience that will save us money and give us peace of mind as homeowners.

It's truly been a pleasure working with you.


I am writing you to inform that Dennis did a great job with my loan. He was absolutely a pleasure to work with. I have worked with multiple loan officers and Dennis is by far the best I have ever worked with. He was very responsive and took care of all aspects of getting the loan closed. He understood what was needed and told me the first time, so I was not submitting the same information multiple times. He actually cared about customer service. I will do as many loans as I can through your bank because of Dennis.


I recently refinanced a rental property for a lower mortgage rate. I had checked out several banks both online and through my financial institution. I filled out several inquiries and usually got bombarded with phone calls from overly aggressive loan officers, even though I specifically asked to be contacted via email. I received an email from Joe Scopel (1st Mariner Bank). He was very polite and courteous. Not pushy and aggressive. He asked what I would be interested in and we communicated via email. He happily informed me that I qualified for the interest rate reduction by almost 1%. After reading some of the reviews of 1st Mariner online, I was skeptical about going through with the process. Joe assured me that he had never experienced an upset customer and guaranteed that he would stand by me throughout the entire process.

I decided to go ahead with 1st Mariner. Joe was a tremendous help. He never missed an opportunity to contact me and make sure everything was going smoothly. It took me all of about 30 minutes (total) once the loan was approved. Joe arranged for a local notary to come to my house and sign the paperwork. He gave me all the necessary timelines and let me know every step of the process.

After the process was complete, Joe made sure I had all the necessary information to make my first payment. He still checks in about once a week just to

make sure everything is good. As a representative of 1st Mariner Bank, Joe Scopel truly embodies the personal loan officer that everyone wishes for. He went above and beyond to make sure everything was done right. Additionally, he had NO aggressive behavior and took the time to fully explain every detail.

I appreciate 1st Mariner Bank and would HIGHLY recommend them for anyone doing a VA-refi!


Working with Joe on my recent mortgage refinance was a walk in the park. He made it stress-free and simple to understand. Joe helped me make a sound financial decision, and took the time to explain all options regarding interest rates and how each [rate] would effect the short and long term payments of my new loan. [I] waited a year looking at different banks and their options and Joe was the only one that did not try to sell me something. He listened and came up with a plan that fit my needs and budget. Thanks again, Joe, it was a pleasure doing business with you and 1st Mariner Bank.


I had expected tons of paperwork and weeks, if not months, of delays and back-and-forth clarifications to get a VA refinance for my Virginia condo. But after an initial clear and frank discussion, Dennis did all of the upfront work and made the process basically painless for me.

I still can't believe how quickly and smoothly the process went -- from the assembled papers ready for my review and signature, to the agent's visit to my home to finalize the refinance. All friendly, but professional, clear and reality based. I'm pleased as punch, and give this transaction a ten out of ten.


It was a pleasure working with Dennis from the beginning to the end of the loan refinancing. [. ] When I first called him and discussed that wanted to refinance, he did not try to talk me into doing it or use any high-pressure tactics to convince me. He carefully and meticulously spelled out all the pros and cons of refinancing a house that was "under water" and then gave me a few days to think about it and talk it over with my wife.

In retrospect, every single thing Dennis told me would happen - happened! There were several hoops we had to jump through to get everything done. It didn't make it any easier that I am in Afghanistan with a 10.5 hour difference. [. ] My wife and I feel really relieved that we were finally able to take advantage of the low interest rates offered now and thanks to Dennis, our out of pocket expenses were much less than we originally thought we'd have to pay. I will definitely recommend Dennis to any of my friends or colleagues who are looking to refinance or purchase a home.


[. ] My husband and I recently refinanced using your services. We worked with Dennis Waskiewicz who did an excellent job. From the moment I called he was professional and friendly and answered all of my questions. He explained everything clearly, making the process easier to understand by talking me through each step. Communication with Dennis was so convenient, he was always available by phone and email. Our refinance was done quickly and was a painless process. Thank you very much for everything! We are very happy with our new mortgage!


We worked with Dennis Waskiewicz on the purchase of our home in Carmel Valley, CA. We contacted Dennis prior to having a property in escrow and advised him of a tight time-frame in which we needed to complete the purchase with VA funding. My husband and I have bought and sold several homes and we have never come across someone as professional and efficient as Dennis. Dennis was able to close our loan 20 days from the date we identified the property. unheard of! We were expecting to have some bumps in the road given the loan size and the fact that we were working with VA funding, but our fears were completely unfounded. We would (and have) recommended Dennis to all of our friends, both military and civilian. He is truly the best loan officer we have ever worked with!

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