VA Loans – Honoring Those Who Serve

VA loans are a unique opportunity designed to help eligible service members, veterans, and surviving spouses achieve homeownership with favorable terms. These loans offer benefits like no down payment, competitive interest rates, and no private mortgage insurance, making it easier for heroes to secure the home they deserve. I work closely with clients to navigate the VA loan process, ensuring you understand every step and can take full advantage of the program’s flexibility. My goal is to make this journey as smooth and stress-free as possible while honoring your service.
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Kris McCurry, known throughout the industry as Mr. Preapproval, is a Florida and Ohio-based mortgage Branch Manager who helps realtors, homeowners, and buyers nationwide secure fast, stress-free financing. His team offers a full range of mortgage solutions, including VA loans, FHA loans, conventional loans, and USDA loans for buyers who qualify for government-backed programs, as well as jumbo loans and non-QM loans for borrowers with unique financial profiles. Self-employed clients can explore bank statement loans or profit and loss loan programs, while investors benefit from specialized options like DSCR loans, investment property loans, and Airbnb rental loans. Homeowners looking to tap into equity can turn to HELOCs or bridge loans, and those planning a getaway property can look into vacation home loans. For business owners, commercial loans provide financing for income-producing properties. Kris also proudly supports first-time homebuyer loans, down payment assistance programs, and the Homes for Heroes program, which rewards veterans, teachers, first responders, and healthcare workers with savings on their home purchase. With this breadth of loan programs and a client-first approach, Mr. Preapproval delivers clear, honest guidance for every type of borrower and financial situation.

Maximize Your Homeownership Benefits

One of the most valuable aspects of VA loans is the ability to buy a home with little or no money down. Combined with lower closing costs and favorable terms, VA loans are built to provide financial relief and long-term stability. I take the time to review your eligibility, explain how to access your maximum benefit, and help you plan a strategy that aligns with your current and future goals. Together, we make sure you’re using the program to its full advantage.
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Simplified Qualification & Credit Requirements

VA loans are designed to support a wide range of financial situations. Even if your credit history isn’t perfect, you may still qualify for this program. I’ll guide you through the requirements, help you understand your credit position, and identify steps to strengthen your application when needed. My focus is on providing clarity, guidance, and support so that achieving homeownership doesn’t feel out of reach.
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Benefits of VA Loans

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No down payment required

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Competitive interest rates and lower closing costs

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More flexible credit and income guidelines

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Refinance options available to reduce payments or interest

Refinance Options to Fit Your Needs

VA loans aren’t just for purchasing a home — they can also be used to refinance an existing mortgage. The VA Interest Rate Reduction Refinance Loan (IRRRL) can lower your monthly payments, reduce your interest rate, and simplify your refinancing experience. I help you explore all available options and determine the path that saves you the most money while improving your financial stability.
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Why Choose Us – Your Trusted Partner in Home Financing

At Mr Preapproval Team, we understand that every borrower’s financial situation is unique. That’s why we provide tailored mortgage solutions designed to fit your goals, whether you’re purchasing your first home, upgrading to a new property, or investing in real estate. With a focus on transparency, clear communication, and personalized guidance, we make the home financing process simple and stress-free.

Kris takes the time to understand your needs, explain your options, and help you make informed decisions every step of the way. From application to closing, our commitment is to provide expert support, reliable advice, and a seamless experience — ensuring you feel confident and empowered throughout your homeownership journey.

We are known for

Personalized Guidance: We take the time to understand each client’s unique financial situation and goals, providing tailored mortgage solutions that fit their needs.

Transparent Process: From start to finish, we prioritize clear communication, ensuring borrowers understand every step of the home financing journey.

Expertise Across Loan Programs: Whether it’s conventional, VA, USDA, Non-QM, or investment property loans, our team has the knowledge to guide clients through any mortgage scenario.

Commitment to Client Success: We focus on building long-term relationships, supporting clients not just in securing a loan but in achieving their overall homeownership and financial goals.

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"FAQs"

VA loans are available to eligible active-duty service members, veterans, National Guard/Reserve members, and surviving spouses who meet the required service history.
No. One of the biggest advantages of a VA loan is that qualified borrowers can buy a home with no down payment required.
No. VA loans don’t require PMI, which helps keep your monthly payments lower compared to many conventional loan options.
Possibly. VA loans offer more flexible credit and income guidelines than many other loan programs, so it’s worth discussing your situation with Kris to see what you qualify for.
Yes. The VA Interest Rate Reduction Refinance Loan (IRRRL) lets eligible homeowners refinance to lower their interest rate, reduce monthly payments, and simplify the process.

Helping You Achieve Your Homeownership Goals

The Mr Preapproval Mortgage Team believes that finding the right loan should be a smooth and stress-free experience. Our team is dedicated to guiding you through every step of the mortgage process, ensuring you receive the loan program that best fits your needs and goals. With a wide range of financing solutions and a commitment to personalized service, we take pride in helping families and investors achieve their dreams of homeownership and financial growth.