What Our Clients & Partners Say...
I am going to start off saying that if you want someone who is going to take a personal interest in helping you through the home buying process, then Vance at Rally Point Mortgage is going to exceed your expectations. But why should you believe me? Let me tell you the story of how my wife (Sheila) and I (Mike) finally got into our home with the help from Vance.
Five years ago (September 2015) we found a home we liked and made an offer contingent on the sale of our current home. However, due to poor realtor effort the sale did not go through so we decided to wait a year and pay off some debt so we did not have to make a contingent offer on our next attempt.
About four years ago, late 2016, we started working with another realtor who introduced us to Vance from Rally Point Mortgage, we were told Vance has a good reputation with helping out veterans and working with VA loans. During our first meeting with Vance, we discussed our goals for a home and what amount we thought we needed to get pre-approved for. This meeting lasted about 3 hours. Vance also made sure he took the time to share his motivators and explained how he works with active duty and veterans from all over the world. Meaning he made himself available all hours to accommodate them no matter where they were in the world.
Well, about 6 months into this second attempt (1 Â½ years into this now), we thought we found the home we were going to make an offer on; however, the home was about $100k more than we were expecting because we didnâ€™t realize how fast the market prices grew. On a Sunday, sitting in the driveway of the house we were looking to purchase, we called Vance and asked him if our credit was good enough to get approved for this house. Within a couple of hours he was able to run the numbers and ensured us we would be good to go. Unfortunately, several things sat heavy with us and we decided against this house. Through the next year we ran through a few agents with the realty agency we were using and were not happy with the quality of service we were getting. Through one of Vanceâ€™s calls checking in on us, we voiced our unhappiness and he recommended another realtor he had worked with that had a good personal relationship with their clients. Right away, around October 2017, our new realtor introduced us to a builder whose style of home fit us. Yet again, the market prices surprised us and we were calling Vance for help to see if our credit was good enough to exceed the max VA home loan numbers. He explained our credit would be good but talked us through the 25 percent down for the difference (Loan â€“ VA max). He made sure we were well informed so there were no surprises.
There we were, March 2018, finally deciding on a home and signing a builderâ€™s contract. We were told we would move in 6 months from breaking ground. End of July 2018, they broke ground. We were told there was a chance we could still be in by Christmas. Riiiiiight. . . . .. Through all this time Vance kept checking in on us to see how things were going and updating us on the interest rates, trends, and forecasts.
Here it was the beginning of January 2019 and the market was saying interest rates were about to rise but the builder would not give us an estimate to when the house would be done so we could lock in an interest rate. Mind you, they broke ground end of July 2018, so the house should have been finished 6 months later, end of January 2019. We had to work closely with Vance to try to guess when this house would be finished. We were able to do a 3 month lock on January 2 taking us to April 2nd.
There we were again, end of March 2019, stressing because the house build, lender appraisals, and closing was coming down to the wire for us losing our interest rate lock. Although all this delay was due to the builder finishing the house in an untimely manner, all the stress for closing seemed to fall on Vance. He had to motivate the lender and appraiser to get the paperwork done promptly. I wish I could say I was sorry this happened, but I canâ€™t. While all these builder delays were going on and we were looking at our options with interest rates, Vance found another lender that we could delay 2 weeks and save ourselves Â½ a percent in interest rates, but then we would have to pay the builders construction loan rates. I am not sure exactly how it worked out, but in the end Vance got the original lenders to beat the interest rate by over Â½ a percent and we didnâ€™t have to delay the 2 weeks. Vance took on a lot of our stress and ended up saving us quite a few dollars. We were so happy with his service, we recommended him to our new neighbors getting their home built across from us. The neighbors are not veterans and apparently Vance found them a lender with rates that no one else could match!
Let me say it again, in our experience Vance is there for the long hall to help you get what you need, and achieve your dreams. By the end of our process he could have easily just told us this is the process and collect his fees; however, he worked his ass off, took on our stress, and found a way through his lenders to save us lots of dollars. I hope I can thank him for his effort by finding him more clients, especially veterans and active duty who need to entrust their needs to someone while they are away. – Mike and Sheila
Vance was highly recommended by a friend as we were getting ready to move to Olympia/Tacoma area. We had a very small timeframe so we wanted thing to align and work as smooth as possible. Hiring someone that understood the military lifestyle was one of our criteria.
First few conversations was about my family’s goals and standards. He quickly understood and assured that he can even link us in with a good realtor and get everything taken care of. A huge plus here is that both him and the realtor he recommended seem to share the same ethics and they also seem to go about business with the same degree of passion, this made the process comfortable and quite seamless.
We were able to get pre-approved before arriving in the area. Within a month of arrival to the area we were able to find, go under contract and close on our new home.
One of the big advantages about Vance that worked well for us was that he did not have restricting business hours. We could basically reach him 24/7. If he didn’t answer, he’d return our call promptly.
Another highlight is that his friendly personality was consistent with his character, which to me says he is genuine. It is for this reason I decided to keep him as a trusted friend and provide him a write up of my experience.
His knowledge about the mortgage process is far above all brokers I have ever done business with. I remember calling Vance to inquiry about some details; despite not having his computer at the moment, he was able to walk through the details as if he was looking at my documents, now that was impressive!
One of the things I do admire is his passion and commitment to his clients, ensuring the highest quality of care and service. He was always professional yet amicable.
Vance, your help reminded my family of God’s continued grace and blessings. Thank you very much for all your assistance!Â – Gordon.
Vance is an expert mortgage broker and provides a level of service that’s a cut above the rest. Being new to the area we really leaned on him throughout the home buying process and are very grateful for his help in buying our second home. Vance worked very hard for us and gave us the best rate (by far!) compared to all other lenders we priced. His attention to detail and level of professionalism made the process a breeze and I highly recommend him to everyone, especially military families, for their next home purchase.- Michael M
I just want to say how Vance Walden at Rally Point Mortgage helped us with are VA loan.
We started out with one lender trying to get us a VA loan which was taking months of road blocks. It came down to where they couldn’t find a lender that would except our loan.
Are agent said, don’t give up yet, I know another broker I want to contact. That broker was Vance Walden at Rally Point. Vance contacted us and got the ball rolling and got the ok to get all are info from the first lender, and has us approved within 48 hrs.
Vance then went to work getting us a loan. It wasn’t easy and he hit some road blocks, but he wouldn’t take “NO” for an answer. He went out of his way to contact VA cuz they had questions about are domestic partnership, and got that resolved. Vance also took on ALL the lender road blocks.
After all the road blocks Vance went above and beyond anything we could ever have asked from him. “NO’ was not in his vocabulary, and he did all of this on are behalf.
We would recommend Vance Walden at Rally Point Mortgage, if you want to buy your forever home. I have told are family and friends about him.
Not only was he are broker, we consider him a long time friend.
Thank you, Vance and Yvette Walden, We are forever grateful. – Bob and Sue
Vance is absolutely amazing! I’m buying in a state that he isn’t even licensed in and he still spent a great deal of time answering my questions and researching brokers to hook me up with the best guy for the job. I highly recommend him for anybody looking to buy a home. – Brandy O.
As first time homebuyers, this was a really stressful process. Vance always answered our many questions and dealt with us being a little neurotic about the whole process. It seemed like it took forever but in reality it was only 20 days to close. And both our escrow company and our real estate agent commented on how fast we closed as first time homeowners. We definitely plan on using Rally Pointe mortgage for any future home purchases and have already recommended him to a few people.
Thank you Vance and Yvette! – Liz C.
Rally Point Mortgage is definitely the place to go for your VA loan needs. The team is professional, courteous and informative thru the whole process. I definitely recommend Rally Point Mortgage and support your local, small business! – Doug S
Vance and Yvette did an excellent job finding me the lowest rate and getting my closing costs lower than expected. As a veteran I felt I could trust them with my PII and they made the process go seamlessly and much easier than expected. Vance is a Westpoint grad so his attention to detail is welcomed during what can normally be a stressful process and Yvette does a great job preparing and collecting needed information for underwriting. I highly recommend Rally Point Mortgage! – â€œ10dueceâ€
My sister found Rally Point online. I am not a military member. Vance found a loan for me, and he was available and willing anytime of the day to answer all the questions I had along the way. Great customer service and attention to detail. He really explained all of my mortgage options and the negatives and positives of each one. – Royce R.
My wife and I bought our first house in October, 2017 and chose to work with Vance and Rally Point Mortgage for handling our mortgage loan. I found him to be a very trustworthy and honest person and he worked very hard to make sure we were satisfied. I never had any issues contacting him and he was always available to answer any questions. I never felt that I was just a way for him to make a paycheck. It was Like getting help from a friend. He was always on top of things and kept me informed every step of the way. Iâ€™m confident that I got the best loan with the lowest rate possible and I strongly recommend him. – Adam D.
Vance and his team are amazing. He helped me and my wife at every step. Even when I had to go away for training, he was here to help us get into our first home. Easy and painless experience with Rally Point Mortgage. I give him 5 stars because that’s all the would allow. Would recommend to anyone looking at buying a home!!!! – Tom F.
I would definitely recommend Rally Point Mortgage for any Veteran looking to buy a home. They spent countless hours answering my questions and ensuring everything was done correctly and as expeditiously as possible. Vance and Yvette are the best! – Chris S.
Vance is such a pleasant guy to work with!! From day one we felt he was working for us, with our best interest in mind. Not only he get the best possible interest rate, he also took care of the unexpected “encounters”. He devoted his time to us and worked with us until the end. I highly recommend him to everybody. – Stephanie K.
Vance Walden is a very exceptional human being who also happens to know a great deal about financing in todayâ€™s real estate market. What makes him particularly exceptional is his dedication to serving our countryâ€™s veterans in addition to ordinary folks like us. Itâ€™s clear he doesnâ€™t consider Rally Point to be just a place of business, but a calling to help make the American dream a reality for more people. We got the genuine impression that he had our best interests in mind and is committed to sharing his expertise so we can calmly make informed decisions with confidence- which is not easy being first-time home buyers. Vance was ever attentive and readily available -over the phone, in person, through email- not to mention generous with his time. He has a lot of information to share and loves to talk, which is a good thing! If however, you are pressed for time or need more clarification in laymenâ€™s terms, just write down specific questions and Vance will help you connect the dots. Happy house hunting, everyone! – Jana H.
As first time homebuyers, this was a really stressful process. Vance always answered our many questions and dealt with us being a little neurotic about the whole process. It seemed like it took forever but in reality it was only 20 days to close. And both our escrow company and our real estate agent commented on how fast we closed as first time homeowners. We definitly plan on using Rally Pointe mortgage for any future home purchases and have already recommended him to a few people.
Thank you Vance and Yvette! – Tommy F.
Vance and Yvette did an excellent job finding me the lowest rate and getting my closing costs lower than expected. As a veteran I felt I could trust them with my PII and they made the process go seamlessly and much easier than expected. Vance is a Westpoint grad so his attention to detail is welcomed during what can normally be a stressful process and Yvette does a great job preparing and collecting needed information for underwriting. I highly recommend Rally Point Mortgage! – Matthew F.
Vance and his team are amazing. He helped me and my wife at every step. Even when I had to go away for training, he was here to help us get into our first home. Easy and painless experience with Rally Point Mortgage. I give him 5 stars because that’s all the would allow. Would recommend to anyone looking at buying a home!!!! – Tom
Vance is a true MVP. He tackled my loan from the beginning as if it was his own home. Not once did he provide misinformation. Every update was exactly right and he has earned my respect and trust. Vance truly cares about his clients and their experience with the process. I can only hope we’ll cross paths again. Look no further and let Vance truly take all the weight off of your shoulders. – Daniel K.
What a pleasant guy to work with!! From day one we felt he was working for us, with our best interest in mind. Not only he got the best possible interest rate, he also took care of the unexpected “encounters”. He devoted his time to us and worked with us until the end. I highly recommend him to everybody. – Chris K.
Working with Vance was extremely easy. We did a second tier VA loan FROM Missouri for a home in Washington and he made it significantly more simple and less stressful than I imagined. He was always very responsive and provided very detailed emails when we had questions or he required information/documents. We had an issue with the mortgage company and we were all told we couldn’t close on time (would be a day late); this was problematic since my husband was traveling cross country for work the next day. Anyways, Vance somehow got them to work over the weekend and we closed on Monday, the original date. We highly recommend using Rally Point Mortgage! If you’re wondering “why use a broker?” It’s easy. He does all of the talking and all of stuff you don’t want to do with the bank & you get to supply the documents and have the easy part. We spoke to him initially for about an hour and decided working with him would be best – and it was! You hear the term “honest broker” thrown around; Vance is actually an honest broker. – Jennifer F.
Vance and Rally Point Mortgage just closed out my VA loan. Having sold real estate for 4 years I can say it was the smoothest transaction I had seen. Vance is extremely knowledgeable, a great communicator, and helped make the process as stressless as possible. 2 months after our closing and he continues to follow up. That really shows his professionalism. Lastly, Vance is a tireless supporter of our Veterans. I would highly recommend Vance to my friends and family for their real estate loan needs. – Jeff B.