Mortgage Company Reviews

Union Home Mortgage Review – VA Wednesday: VA Mortgage Rate Update – Mortgage Lenders Are Still RIPPING People Off 😑


Union Home Mortgage Review – Best Deal Right Now?

BUYER BEWARE: VA does not set the VA mortgage rates. Lenders do and it VARIES based on the lender. It is so important to shop your VA rate because what I am seeing is madness, BS and needs to stop. HOW to read a loan estimate

Clearly, I love doing loans! Need a mortgage or want to chat about your scenario? I am licensed in 46 states for purchase and refinances. Here is how to contact me:

1) Book a call with me:

2) Apply for a mortgage now at If you apply please text me your full name and email address letting me know so I can look for your app:) TEXT 707-478-0637

3) Call me 707-478-0637

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Jennifer Beeston, SVP Mortgage Lending NMLS 247743 at Guaranteed Rate, Inc. NMLS 2611
Branch Address: 4863 Old Redwood HWY, Suite D, Santa Rosa, CA 95403
Equal Housing Lender – For licensing, go to
Top 1% in the nation 2016-2020

More Helpful Content:

Home Loan Basics:…​

Loan Programs:…​

VA Loans:…​

Real Estate Breaking News:…​

Mortgage Rates/Refinancing:…​
NMLS #247743 Guaranteed Rate NMLS 2611
Equal Housing Lender –

State License Numbers: AK – AK247743, AL – 72998, AR – Licensed, AZ – 1007541, CA – CA-DOC247743, CO – 100516570, CT – LO-247743, DC – MLO247743, DE – MLO-247743, FL – LO66900, GA – 70357, HI – HI-247743, IA – 33839, ID – MLO-2080247743, IL – 031.0054184, IN – 41478, KS – LO.0039219, KY – MC717200, LA – Licensed, MA – MLO247743, ME – Licensed, MI – 247743, MN – MN-MLO-247743, MO – MO-247743, MT – 247743, NC – I-189119, ND – NDMLO247743, NH – Licensed, NM – Licensed, NV – 66544, NY – Licensed, OH – MLO-OH.247743, OK – MLO20600, OR – 247743, SC – MLO – 247743, SD – MLO.08498, TN – 205478, TX – Licensed, VA – MLO-40552VA, VT – VT247743, WA – MLO-247743, WI – 247743, WV – LO-247743, WY – 8203

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.

All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

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  1. surreal16media
    July 23, 2021 at 7:26 pm

    On a VA loan.. do they commonly ask the homeowner to make repairs BEFORE they close on your Refi!? Whyyyyyyy?????

  2. Bryant Daron
    July 23, 2021 at 7:26 pm

    I think you should clarify your statement on VA fees. The VA does set the VA funding fee.

  3. Falaunda Williams
    July 23, 2021 at 7:26 pm

    Hello. Are you licensed in TN?

  4. Jacob Mendoza
    July 23, 2021 at 7:26 pm

    She isn’t lying. USAA tried to screw me over 2% higher than the going market rate. Thankfully I didn’t buy a house in this insane and ridiculous market.

  5. maricela grogan
    July 23, 2021 at 7:26 pm

    Are you licensed in AZ?

  6. mocha bliss
    July 23, 2021 at 7:26 pm

    Do you cover that state of Florida

    July 23, 2021 at 7:26 pm

    Is it worth refinancing for a 2.75% from a 4.125% but adding an extra 30k to the loan due to FHA fees, 1 point, and other closing costs? We should recoup in 5 years. Thanks in advance!

  8. Mark L
    July 23, 2021 at 7:26 pm

    You handle FNMA refinance loans?

  9. Randy Wiley
    July 23, 2021 at 7:26 pm

    Thank you so much

  10. Cheryl Bragg
    July 23, 2021 at 7:26 pm

    I just had a company call me about a VA streamline refinance. I told them I wanted to see the numbers first and they said they would send me the numbers. They sent me the application all filled out. I wanted to see if your loan would be better but you are all booked up. I have the application here if somebody could go over it with me.

  11. Jennifer Beeston
    July 23, 2021 at 7:26 pm

    To learn how to read your loan estimate check this out

  12. Justin Campbell
    July 23, 2021 at 7:26 pm

    PREACH IT SISTER!!!!!!!!!!!!!!! Quicken is the worst about this. i have clients calling me all the time, telling me that are like .5% below mine then I ask what the orgination fee is and its like 2-3k higher than mine! Yet they were never told this.

  13. Free Speech
    July 23, 2021 at 7:26 pm

    VA sees me as the black sheep patient, not even a thank you for your service lol

  14. Robert Clontz
    July 23, 2021 at 7:26 pm

    Jennifer, you were on FIRE!!!! Thank you for all you do!

  15. Chris Lancaster
    July 23, 2021 at 7:26 pm

    Yes!! People love thanking a veteran for their service to butter them up, only to take advantage of them. Happens all the time.

  16. Warrior15
    July 23, 2021 at 7:26 pm

    It’s true! I did rate shopping with a few lenders with hundreds of fantastic reviews and 2 of the 3 quoted me well above 1% higher with higher origination fees than Jen quoted. We are so glad we found your videos Jen or we would have got suckered being first time home buyers and not knowing a thing!

  17. Gia P
    July 23, 2021 at 7:26 pm

    I was told by title company , seller’s credits can’t be used to pay VA funding fee, is that accurate?

    i’m getting 2.75%, no points paid and $8k towards closing via lender credit. What fees are commonly higher than others? process fee (800) underwriting? appraisal?

  18. Jennifer Lego
    July 23, 2021 at 7:26 pm

    We Jens be truth bombing. And not always appreciated for it. Keep it coming! Consumers need to be vigilant.

  19. A Jack
    July 23, 2021 at 7:26 pm

    You all better listen to Jenn because she helped me and my wife back in December of 2020. Jenn blessings.

  20. C7Z_GTR
    July 23, 2021 at 7:26 pm

    Thanks for the tips πŸ˜€. I am currently wait on the loan estimate to look over. What is the average rate for VA Loan today? 2.75?

  21. Bugwar
    July 23, 2021 at 7:26 pm

    Thanks for the reminder.

  22. Isaac Boamah
    July 23, 2021 at 7:26 pm

    Can it therefore be concluded that predatory lending will continue as long as the FED keeps monetizing debt, and hovering federal fund rates near zero? They've already committed to a bond buying spree of about 100B per month. Additionally, could we also see the housing frenzy continue into the end of summer or early fall, if rates are kept at these levels?

    As always thank you for your educational content.

  23. Alyssa Sarras
    July 23, 2021 at 7:26 pm

    I'm on Jen's team and see this alllllllll day long. It blows my mind how badly Veterans are getting ripped off in rate, points and origination. I spoke to two Veterans today who were getting quoted 1% higher than what we could offer. *PLEASE SHOP*ASK QUESTIONS!!! We are here to help πŸ™‚

  24. tankercrewchief
    July 23, 2021 at 7:26 pm

    Typing words in the comments

  25. Jaime Arellano
    July 23, 2021 at 7:26 pm

    Question….how long those it take for underwriting documents to be done once the seller and buyer agree on the terms of the contract?