What an honor and pleasure! Gayle Hepler, VA (& Government) Home Loan Mortgage Specialist  was recently invited on base to speak about the benefits of the Federal VA Home Loan mortgage program to our local Oregon Air National Guard commanding officers at their monthly meeting Saturday afternoon.

 Thanks to a cordial invite from MSgt Kevin McMichael of the 142nd Red Hawks, Gayle’s talk was broadcast live to remote commanding officers in Salem and Warrenton Oregon.

 Gayle answered questions about the Federal VA home loan and included tips on how commanding officers can advise troops on easy ways folks can improve their overall credit standing; helping those who serve us get into position for a successful VA home loan pre-qualification. She also discussed the VA IRRRL, (Interest Rate Reduction Refinance Loan Streamline Refinance Program).  Recent lender guideline changes currently allow refinance combined loan to values up to 100% CLTV again.  (In a declining home values market, and with plummeting home equity; this is huge for our veterans to be aware of that they can now refinance and lower their rate and payment even if their home value has gone down a bit.)  While rates remain at historic lows, now is the time to call Gayle for more information.  For copies of her presentation, or to set up a time for Gayle to come and speak to your organization please e-mail Gayle at Gayle@CreeksideM.com  or call her at 503-445-1038 Ext. 114.  Gayle is a licensed full service Mortgage Loan Originator in OR and WA.  www.CreeksideM.com/Gayle    www.VALoanSalem.com   MLO-120728   At Creekside Mortgage, Inc.  We love our Vets.   Serving Those Who have Served Us


Gayle Hepler


VA  Loan Specialist

NMLO- 120728

Creekside Mortgage Inc.

503.445.1038 ext. 114