As a Vetted VA Professional I realize there is a need for a different type of service in relations to the VA Loan. A service that provides the support and knowledge on how you can use your VA Benefits. As a Vetted VA member you and your Real Estate Agent will work directly with myself and trusted members of my team to structure your loan, review contract dates and establish a pathway for communication throughout the process.

We realize your success not only affects you and your family, but is a reflection of every other service member who wishes to use their VA Benefits to purchase a home. There is an undesirable impression across America that VA Loans are tainted and should not be given consideration above other conventional loans. My Team and I realize these biases exist and are dedicated to changing them through education, experience and of course the action of putting Veterans in Homes. Our success will continue to pave the way head for future Military Homeowners.

I am Mike Payne, a dedicated Vetted VA Professional. New Point Lending, Mortgage Brokerage was started with the intention of serving veterans and making the path to homeownership easier to obtain. We are a Veteran Owned Mortgage Brokerage and proud to continue serve and assist our Nations Veterans.

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Feel free to contact me via phone, text, email or the contact form below to ask questions before we get started.

VVA4s are the professionals have earned this rank with time in service as well as exceeding minimum performance standards of VVA3. They have served a minimum of six months as a VVA3, met all performance metrics, and continued to submit their accountability tracking on time regularly. They will answer every question perfectly in accordance with the VA Lender Handbook guidelines, VA resources and, not just one lender's overlays. During these 6 months we are testing their hearts and minds. They will be the embodiment of our institutional core values of honor, courage, and commitment. We want to see the best showing up in VVA4; we want to see how they engage you, respond to your direct questions, and respond to questions that could benefit them but they will never take an individual position to gain through solicitation. We aim to achieve the change we want to find for you and protect you as a Veteran and Active Service Member. Changing the hearts and minds of those helping you is the only authentic way to make a difference. No regulation or rules will help because people are still the same in trying to find easy ways around rules. VVA4 are there to serve you because you serve our Country.

At VVA4 the professional will be eligible to serve as a Squad Leader. This challenge is to begin training peer to peer leadership in a unique way. These peers are not employees, they are not subordinates, they are unique peers that choose to follow and whose leadership must be earned. The minimum time spent in VVA4 will be approximately 1 year.