Tackle VA Issues Like a Pro & Increase Military Closings by 70%
Conquer The 5 Most Common Deal Killers of VA Transactions.
Overturn Low Ball VA Appraisals Like a Rockstar.
Use 5 Crucial Facts to Persuade Listing Agents who fear VA Loans.
Use A Better Way to Cover Closing Costs when No Seller Credit Available.
Make a Bulletproof VA Offer That Sellers Will Accept.
Vet Your Loan Officer Using 5 Critical Questions.
Know When To Use The CALVET Ace Card: Turn Dead deals into Bankable Commissions!
Use 3 Unique, Creative Ways to Generate More VA Clients in 72 Hours.
Honor Veterans By Upping your 'VA Game'
Become the 'Go To' Realtor® for Military Sellers & Buyers.
VA-Denied, Non-Approved Condo with VA Loan
Veteran Denied by 4 Lenders — Buying 3 Hour Drive from Work
Active Duty, 524 FICO, Recent Late Payments
Seller Refused $49,500 Repairs | Vet had no Funds | Deal Closed!
Veteran with 7 months history of Overtime on new job!
Late Payments AFTER a Bankruptcy!
12-month job gap followed by 7 months on new job
Claim Amount Correction for Prior VA Foreclosure
Low VA Appraisal Overturned by $18,000 to Close!
93-Year old Veteran buys zero down and all costs paid
Acceptable Sources of Money For Earnest Deposit & Closing Costs
Not Understanding Seller Concessions vs. Seller Paid Closing Costs
Telling Veterans they can’t Purchase a Condo that’s not VA Approved
Not Understanding Options for Veterans with Prior VA Foreclosure
Denying VA Loans for VA Buyers with Low Fico and/or Poor Credit History
Not Challenging Low Ball VA Appraisals
Not alerting Active Duty members to take advantage of the SCRA
Not Understanding VA Loan Assumptions
Not Understanding VA Options for 2-4 Unit Multifamily Homes
Not Using the 3 Different Methods available to get VA Loan Approval.
Customized with your name, photo, and branding — ready to share with military homebuyers and sellers in your market.
CMS automated test bio description.
Desire to Increase their VA transactional knowledge.
Have Lost VA Buyers for any reason Including Denied Prequal Attempts.
Have Had their VA Offers Shot Down by Listing Agents.
Have Experienced Low Ball VA Appraisals.
Want Creative, Unique Ways to Capture more VA Clients.
Have Sometimes Experienced Doubts Or Concerns About the VA Loan.
Desire to Perfect Their Craft By Serving Those Who've Served.
Real estate agents in action — mastering VA loan strategies, networking, and learning to champion our military Veterans.
The Reviews Speak for Themselves
"Charles has proven time and time again to me and my Military buyers, that his dedication and prowess is quite unmatched. I've entrusted him with my clients and the biggest financial purchase of their lives. Many of them are young families using their VA entitlement for the first time. And he has always come through with shining colors."
"I met Charles because one of my Army Vet clients was desperately searching on YouTube for VA Lenders after their loan had been denied. Charles drove down to San Diego to meet them in person, and closed an incredibly difficult VA loan. It happened again for a Navy Chief client who's loan with Builder Lennar Homes fell through. Charles stepped in like a rockstar and made it happen. What a blessing to have Charles available for rescues such as these and to take care of VA buyers in general."
"Charles has pulled numerous VA deals out of the fire on my Listings and for Buyers. At times it makes my head spin . . . how does he pull it off after good Lenders have said No ?? Bravo Charles!"
"Charles pulled off the most unbelievable closing on an Impossible VA deal, the toughest I've ever seen in my time at new Builder D.R. Horton. I saw the challenges and to this day I am amazed."
"Charles is my trusted outside lender without a doubt! I work for a Builder and they are much more stringent when it comes to loan requirements. When they deny a file, I automatically run to Charles and his team. They are always ready to come to the rescue and so prompt too. They’ve saved deals for me that my in-house lender could not do and I couldn’t be more thankful for this partnership. If anyone can do it, it’s Charles and his team!!!"
"Charles and his team were amazing to work with. I had a VA Buyer who'd started with Navy FCU but we had very tight timelines; Not only did he close the loan early he was able to lock the best rate. He is professional, knowledgeable and his service was top notch. Thank you Charles for a job well done."
"If Charles can't get it done, it can't be done. Period. I had the honor of teaching Service Members side by side with Charles in Okinawa, Japan. The information he delivered on how they could use their VA home loan benefit was 2nd to none. I've seen his business flourish over the years. And it's because of his commitment to integrity and service."
"As a Veteran myself, I have a special admiration for what Charles has done and continues to do for Military buyers. He's my first phone call when a VA deal on my listing is going sideways."
"Charles is nothing short of incredible when it comes to VA loans. He has a unique mind which plows into the problem at hand and comes up with a solution. He then rallies the Buyer and Underwriter together to stitch together a Loan where it seems nothing exists. I’ve been blessed to work with him on numerous transactions."
"Charles and his team were amazing during the home buying process. We had a somewhat challenging loan but Charles and his team made it happen and made us home owners. Charles even went out of his way to come to me and explain the whole loan process before we even started. They are experts in the VA loan process and are extremely knowledgeable. I would highly recommend Charles and his team to anyone for any and all of their loan needs."
"Charles Vamadeva has been my lender of choice for the last 3 years. He is very passionate about helping service members which he takes immense pride in advocating for. I call him the VA Superhero since he is able to work magic and somehow pre-approve clients with challenging financial situations who were denied by other lenders and able to preapprove clients for upwards to a $100k more than competitors, which I have personally witnessed numerous times through the referrals I sent his way., Charles and his team at Patriot Pacific competitive advantage is gained through their extensive 20+ years of business along with countless continuing education that has allowed him to be a prominent loan officer in the Southern California area. Charles is very results driven; having over 55 lending partner to include in house lending exhausting as many known ways possible to provide favorable results for his clients. I knew there was something about Charles when I first seen his license plate, "VALOAN", never have I seen a lender or realtor this passionate and resourceful in helping Veterans achieve the American dream to become homeowners;: providing shelter for their families and impacting their lives by affording them the opportunity to create generational wealth through equity."
"I’m still awe struck with what this guy pulls off. I stopped questioning whether a deal was going to close or not. His relentless drive to make the deal happen is unparalleled."
"Charles Vamadeva is the Authority when it comes to VA loans. He has earned his keep. Thank you for serving those Who have Served."
"Working with Charles and Patriot Pacific has been beyond outstanding. The dedication from him and his team to close the deal is parallel to none. Charles is the type of lender you want in your corner. Whether you have the perfect client or a trouble that needs help, you can best believe that he is going to go the same distance to ensure the transaction closes. He has assisted me on numerous occasions, and I have received the same outcome... Clear to close. Patriot Pacific Financial Corp is a mortgage company that you will want to work with. I enthusiastically recommend Charles for all loan products."
"Time and time again, Charles and his Team have shown their incredible ability to think through Loan problems and salvage deals. I am honored to be working with him to promote Veteran homeownership"
"Charles closed a VA deal for a fellow USMC Veteran that everyone said couldn't be done. Listing Agent didn't even want to take the offer. He and his Loan Partners labored through unending challenges to reach the finish line. I will be forever grateful to have been part of that success story. Impossible is Nothing with Charles. If you haven't worked with him, give him a try. You won't regret it."
"Charles put together a manual underwriting VA approval for a young Marine that I helped put into a home. My buyer had been denied at a previous lender and quiet frankly when I gave the Referral to Charles it was just a last minute 'hail Mary'. Didn't expect much from it. And then we were Clear to close and then we funded. And I am still amazed."
"A while back I referred Charles a Navy Vet with a 557 FICO score. He'd been shot down at a Credit Union and another Mortgage lender. Charles took the file, sank his teeth into it and figured out a way to get it funded. I don't even know what to say. The guy is just fabulous at what he does."
"When a standard VA loan didn't work for a young Marine, Charles packaged it up with solid explanation letters and took it to CALVET. I still remember where I was when he called me to tell me the good news that CALVET had approved the Loan. Needless to say we closed. Just another miracles, of many i've ever seen from Charles Vamadeva"
"Charles is the Go-To Lender for Veterans and VA loans. Outstanding mindset and drive. Gets the job done, every time."
"My husband is a Veteran and Charles handled our VA loan with the utmost diligence. We overcame several hurdles to close and I remain grateful for what he has done for us. It's a reflex reaction for me to refer my VA Buyers to Charles & his team. I have never been disappointed."
"Charles closed a VA loan in 13 days for my Marine Corps buyer Bradley Holmes. He has consistently proven himself to be the expert in VA lending. I recommend him highly."
"I've lost count of how many times I've brought a VA deal to Charles that had been shot down at another Lender. His amazing efforts have made homeownership a reality to countless Veterans I've had the honor of working with."
"I've witnessed first hand what Charles can do for our VA Buyers. The most memorable was a dual military family who's Term of Service was ending right as Escrow opened. Using VA guidelines he navigated the file to closing even when Underwriter was tough to deal with. The mentality I have encountered with his Team is that of "Let's find a way". Amazing Lender."
"Charles isn't afraid of the tough VA deals. He's come through more than once when DU Approval wasn't possible. He has a way of persuading the Underwriter and getting it done. Well done!"
"My Military buyer wanted to make a VA offer on a Condo in San Diego. Listing Agent insisted the Condo community was not VA Approved. Charles delved into, following his instinct and discovered that although the paperwork filed was obscure, the Condo had infact been approved by VA. We switched to a VA loan instead of FHA, and closed. Thank you Charles for always being there for my Clients. As a Veteran myself, I don't see anyone who works harder for us who Served."
"Charles does amazing work for our Veterans. I see all his success story posts on Facebook and love seeing what he is upto."
"Charles is so passionate about helping our Veterans that he flew all the way to Okinawa, Japan with me to teach VA loan classes. Truly a dedicated, committed Professional. I enjoy watching his continued success with VA loans"
"Charles stands out from the rest when it comes to financing for Veterans. Hands down."
"I was in the middle of my own VA home purchase using a big name retail lender in town when our paths crossed. Charles priced my loan out and showed me Interest Rate and cost breakdown that was far superior. I switched my loan and closed on time. I have watched his great work with our Military and stand amazed at what he does."
"Charles is awesome. Not much else needs to be said. Hard worker, and the smarts to add to his work."
"One time I referred a dual Military couple to Charles when their Lender was having trouble securing Approval. There was a technicality in VA guidelines that Charles caught that the other Lender didn't know about. I encouraged my Buyers to switch and they did. We closed! On another occasion a Lender had the VA loan for 3 months before giving up on it. Charles took the deal over and closed it in 2 1/2 weeks. He is the go-to guy for VA loans."
"Charles fought a low ball VA Appraisal, using comps we provided, and got the VA to raise Value by over $25,000. My Seller was ecstatic and we were able to take a dead deal and bring it back to life. His determination is hard to match. And he knows his VA game like no other."
"Charles closed a VA deal for me recently after the Veteran had been told by another lender she only qualified for a figure much less than we were in Escrow for. He used a VA rule that apparently her prior Lender wasn't aware of, to do with non-Borrowing Spouse's debts. It was a sensational turn of events and we closed the deal! Charles knows his VA guidelines!"
"Charles gets the job done!!! Kudos! Champion of VA loans!"
"Charles has come to the rescue when others have said No. His Team just jumps on the file and away we go to Closing! Again and again! Great Lender!"
"Charles did an outstanding job on a VA deal we worked together. I see how far he goes for our Vets."
"Charles is very responsive and has taken good care of my Buyers"
"I've been referring my VA buyers to Charles for years. Some of the deals we closed together were stressful yes, because the buyers had credit and other issues which often made it difficult to overcome. But he always seems to find a way. His knowledge of the VA home loan program is a tremendous asset for us Real Estate Agents when we work with Military clents."
"Charles was referred to me by a mutual client, as the Lender to call when an Escrow had gone sideways. I did and he did!!! Yes we closed!"
"I've been working with Charles since 2010 when he was the In-House Lender at Prudential in Moreno Valley, CA. I noticed his aggressive approach to getting deals done and that has never changed. He is a true Professional and absolutely gives it his all."
"I had a listing in Idyllwild CA on which the VA Buyer ran into a snag getting her Loan done because of credit and income issues. Buyer's Agent Shishanna quickly brought Charles into the equation . . boy did he turn things around! Quick, precise and with a strong finish. VA deal funded."
"a true Professional, who gets the job done effectively and efficiently. I've enjoyed working with Charles on deals we have closed together."
"On one of my Navy buyers, the required VA residual income requirement wasn't being met. Numbers were extremely tight.Charles used his expert knowledge of VA loans to adjust insurance and debt figures to bring the ratios back into line so we could close.He exhibits a tremendous amount of knowledge regarding VA loans."
"I have done several VA loans with Charles and I have to admit his service and attention to detail is superb. His willingness and persistence to help any VA is unmatched. Charles has earned my Business for life."
"Charles is extremely dedicated to our Veterans' homeownership and goes out of his way to make things happen. I've seen it first hand."
"One of my VA buyers was a Disabled Veteran who had very little money in the bank and tight debt ratios. While another Lender struggled to get the deal done, Charles prequalified him with flying colors and then once escrow was opened, finished off the job with funding. I deem him the no#1 in VA Lending."
"I never get tired of watching Charles' success stories. Simply the best when it comes to VA loans."
"What a breath of fresh air. Charles and his team are absolutely amazing and great problem solvers. They have helped me get several complicated files to the closing table, and have made countless of families happy through home ownership. We highly recommend them!"
"Charles has come through again and again for Military clients. He operates at a different level. He is not afraid of challenging files and has consistently proven he can deliver. As a Veteran myself, this means a lot."
"Charles closed a tricky VA deal on one of my listings in the Desert area - deal went smooth and closed on time despite buyer challenges. I recommend Charles for all your VA financing needs."
"Charles and his team are miracle workers! I can testify to this! VA loans are his specialty and my clients have been blessed as a result."
"Charles' ability to help buyers write explanation letters for their credit troubles and other issues is second to none. Have closed many VA deals with Charles and his work has been fantastic!"
"Big thanks to Charles Vamadeva and the consummate professionals at Patriot Pacific Financial Corp. Their service to my active duty Marine client surpassed my expectations...competitive rates and a fast on time closing. Every client deserve this exceptional service, especially those that serve our country!"
"I am constantly picking his brains on VA scenarios and Charles always has the answers... always the guy with a Plan!! My go to Lender for VA :)"
"After my Veteran client getting turned down by two other lenders while in escrow Charles was able to come in save the deal and got it done! He make sure Veterans are his priority!! As a Realtor I very much recommend him."
"Charles is the Go-to guy for VA, hands down! As a Military Spouse, I would know :)"
"Charles has been my go to lender for over a year now. I feel so comfortable handing my buyers over to Charles and his team. They take great care of my clients and keep me updated throughout the process. If you are looking for a local lender that will get the job done, call Charles Vamadeva"
"When it comes to VA, Charles is the Master. Truly a Pro who has invested his time to learn the program and is passionate about helping Veterans. In the last 10+ yrs here in the Temecula Valley I've seen his business flourish as a result. Well done Charles!"
"Being a Realtor for over 15+ years I know the importance of giving my clients the best experience possible and having a great lender makes all the difference. I partnered up with Charles on my VA loans for my clients over seven years now and let me tell you Charles is a Wiz when it comes to VA Loans super knowledgeable, great turnover times and most of of all customer service is 5 star making our transaction smooth. Thanks Charles for your years of hard work & dedication to our military families."
Real estate agents who attend this seminar aren’t just better at their jobs — they become true champions for the Veterans they serve.
Join Us — It’s Free (Lunch Included)Become VA-Proficient Without Spending Years Learning By Trial & Error
Seating Is Limited! RSVP Now (Lunch Provided)Lunch Included · Limited Seating Available
