KDM VA Home Loans, Fallbrook, CA (2026)

09/04/2026

🇺🇸 YOU EARNED IT. NOW USE IT. 🇺🇸

Your VA home loan benefit is one of the most powerful benefits you earned through your military service and the KDM Lending Team specializes in helping Veterans and active-duty service members put it to work.

Here are some of the VA loan options we can help with:
🏡 VA Home Purchase Loans
💰 VA Cash-Out Refinance Loans
📉 VA IRRRL / Streamline Refinances
🏘️ VA 2–4 Unit Multi-Family Loans
🏗️ VA One-Time Close Construction Loans
🔨 VA Renovation Loans
🏠 VA Manufactured Home Loans
🔑 VA Loan Assumptions
🏡 VA Jumbo Loans

For eligible borrowers, VA financing can offer some serious advantages, including:
🇺🇸 0% down options
🚫 No monthly PMI
💰 Competitive interest rates
🏠 Flexible qualifying guidelines
🎖️ Reusable lifetime benefit

You served. You earned it. NOW USE IT. 🇺🇸🤘

KDM Lending Team
Veteran-Owned & Operated
Financing Homes ⭐ Building Dreams

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS 1756904 | DRE 01985953

Patriot Pacific Financial Corp
NMLS 1921615 | DRE 02103516
Equal Housing Opportunity

📌 Facebook:
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📌 YouTube:
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H

📍 States PPFC Serves: AL, AZ, AR, CA, CO, DC, FL, HI, ID, IL, IN, KY, LA, MD, MI, MO, MT, NM, NC, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV

09/04/2026

🏡 WE DO HOME LOANS IN MICHIGAN! 🌊

From the energy of Detroit to the shores of the Great Lakes, if Michigan is where you’re looking to buy, build, invest, or refinance, Patriot Pacific Financial Corp is ready to help!

SOME OF THE LOANS WE OFFER:
🏠 Conventional Home Loans
🇺🇸 VA Home Loans
🔑 FHA Home Loans
🌾 USDA Home Loans
🏡 Manufactured Home Loans
🏗️ One-Time Close Construction Loans
🔨 Renovation Loans
💰 Jumbo Home Loans
📊 Bank Statement & Non-QM Loans
🏘️ Investor & DSCR Loans
🌳 Land Loans
💵 HELOCs & Cash-Out Refinances
👴 Reverse Mortgages & Reverse for Purchase

📲 Ready to make a move in Michigan? Let’s talk.

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS 1756904 | DRE 01985953

Patriot Pacific Financial Corp
NMLS 1921615 | DRE 02103516
Equal Housing Opportunity

📌 Facebook:
📌 Instagram:
📌 YouTube:
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H

📍 States PPFC Serves: AL, AZ, AR, CA, CO, DC, FL, HI, ID, IL, IN, KY, LA, MD, MI, MO, MT, NM, NC, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV

09/04/2026

🚨🚨 MORTGAGE MARKET UPDATE 🚨🚨
FINALLY… MORTGAGE RATES WENT THE RIGHT WAY. 😂🏡

After three straight days of slowly grinding higher, mortgage rates finally gave us a little relief.

🏡 MORTGAGE RATES

Mortgage News Daily’s top-tier 30-year fixed dropped to:
6.88% 📉

Yesterday: 6.91%
Today: 6.88%
Change: -0.03%

That brings us back to the BEST mortgage-rate levels of the week.
Not exactly time to break out the champagne…But after watching rates creep toward 7%, we’ll take the win. 😂

🤔 WHY DID RATES IMPROVE?
Bonds were already showing some strength when Fed Governor Christopher Waller gave them another boost.

His basic message:
Unless inflation surprises to the upside, another Fed rate hike at the next meeting may NOT be necessary.

The bond market liked that.
Treasury yields fell.
Mortgage rates followed.

Even more encouraging?
Bonds held up surprisingly well despite oil moving higher.

That’s a nice change from the recent:
Oil sneezes → mortgage rates catch pneumonia. 😂

📈 WHAT ABOUT STOCKS?
Wall Street REALLY liked Waller’s comments.

Dow: +1.16%
S&P 500: +0.98%
Nasdaq: +1.29%

Lower Treasury yields and reduced expectations for an immediate Fed hike gave stocks a solid Thursday rally.

👀 WHAT’S NEXT?
Tomorrow is the BIG ONE:

💼 THE JOBS REPORT.

Economists are expecting roughly 56,000 new jobs with unemployment holding around 4.1%.

Weak jobs report?
Bonds could rally and mortgage rates could move LOWER.

Hot jobs report?
We could give today’s improvement right back.

And next week brings inflation data.
So basically…Enjoy today.

Tomorrow morning we spin the Wheel of Economic Data again. 😂

🏁 BOTTOM LINE
6.91% → 6.88% 📉
Best levels of the week.
Treasury yields lower.
Stocks higher.

And mortgage rates finally stopped trying to climb through the roof. One good day doesn’t make a trend…But after the week we’ve had?

WE’LL TAKE THE DAMN WIN. 😎

09/04/2026

🌟 Why Is My Mortgage Credit Score Different From My Credit App?

“My credit app says I'm a 742…so why is my mortgage lender telling me I'm a 701?!” 😂

Here's something many homebuyers don't realize: you don't have just ONE credit score.

The score you see through your bank, credit-card company, or free credit-monitoring app may be calculated using a completely different scoring model than the one being used for your mortgage.

In this video, I explain FICO vs. VantageScore, the three major credit bureaus, mortgage credit scores, tri-merge credit reports, why your scores can vary between bureaus, and why your mortgage score may be significantly different from the number you see on your phone.

We also discuss an important change happening in the mortgage industry as newer scoring models such as VantageScore 4.0 and FICO 10T begin entering mortgage lending.

And if your app says 760 while your mortgage lender says 720, don't automatically assume the lender's credit pull just destroyed 40 points of your score. You may simply be comparing two completely different scores.

Credit-monitoring apps are great tools—but when you're preparing to buy or refinance a home, make sure you understand which credit score actually applies to your mortgage.

KDM Lending Team
Financing Homes ⭐ Building Dreams

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS 1756904 | DRE 01985953

Patriot Pacific Financial Corp
NMLS 1921615 | DRE 02103516
Equal Housing Opportunity

📌 Facebook:
📌 Instagram:
📌 YouTube:
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H

📍 States PPFC Serves: AL, AZ, AR, CA, CO, DC, FL, HI, ID, IL, IN, LA, MD, MI, MO, MT, NM, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV

09/03/2026

🏡 READY FOR YOUR NEXT HOME? LET’S GET STARTED!

Whether you're buying your first home, moving up, downsizing, building from the ground up, or purchasing something a little outside the traditional box, the KDM Lending Team is ready to help.

SOME OF THE LOAN PROGRAMS WE OFFER:
🏠 Conventional Home Loans
🇺🇸 VA Home Loans
🔑 FHA Home Loans
🌾 USDA Home Loans
🏡 Manufactured Home Loans
🏗️ One-Time Close Construction Loans
🔨 Renovation Loans
💰 Jumbo Home Loans
📊 Bank Statement & Non-QM Loans
🏘️ Investor & DSCR Loans
🌳 Land Loans
💵 HELOCs & Cash-Out Refinances
👴 Reverse Mortgages & Reverse for Purchase

📲 Reach out to the KDM Lending Team and let’s figure out the right path to get you there.

KDM Lending Team
Veteran-Owned & Operated
Financing Homes ⭐ Building Dreams

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS 1756904 | DRE 01985953

Patriot Pacific Financial Corp
NMLS 1921615 | DRE 02103516
Equal Housing Opportunity

📌 Facebook:
📌 Instagram:
📌 YouTube:
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H

📍 States PPFC Serves: AL, AZ, AR, CA, CO, DC, FL, HI, ID, IL, IN, KY, LA, MD, MI, MO, MT, NM, NC, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV

09/03/2026

🏡 MARYLAND — WE DO HOME LOANS!

From Baltimore and Annapolis to the Eastern Shore, Western Maryland, and communities throughout the state, Patriot Pacific Financial Corp is helping people finance their next home.

Some of the loan programs we offer include:
🏠 Conventional Home Loans
🇺🇸 VA Home Loans
🔑 FHA Home Loans
🌾 USDA Home Loans
🏡 Manufactured Home Loans
🏗️ One-Time Close Construction Loans
🔨 Renovation Loans
💰 Jumbo Home Loans
📊 Bank Statement & Non-QM Loans
🏘️ Investor & DSCR Loans
🌳 Land Loans
💵 HELOCs & Cash-Out Refinances
👴 Reverse Mortgages & Reverse for Purchase

📲 If you're thinking about buying, building, refinancing, or investing in Maryland, reach out to Patriot Pacific Financial Corp and let's talk about your options.

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS 1756904 | DRE 01985953

Patriot Pacific Financial Corp
NMLS 1921615 | DRE 02103516
Equal Housing Opportunity

📌 Facebook:
📌 Instagram:
📌 YouTube:
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H

📍 States PPFC Serves: AL, AZ, AR, CA, CO, DC, FL, HI, ID, IL, IN, KY, LA, MD, MI, MO, MT, NM, NC, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV

09/02/2026

🌟 First-Time Homebuyer? FHA Might NOT Be Your Best Loan

Don't automatically assume you need an FHA loan.

FHA loans are NOT exclusively for first-time buyers and being a first-time buyer doesn't automatically mean FHA is your best financing option.

In this video, I break down FHA vs. Conventional financing, including down payments, credit considerations, debt-to-income ratios, mortgage insurance, property requirements, and why one program may work significantly better than another depending on your financial situation.

We’ll also look at other options first-time buyers may overlook, including 3% down Conventional loans, HomeReady®, Home Possible®, VA loans, USDA loans, and state or local down-payment-assistance programs.

And here's another surprise: depending on the program, you may potentially qualify as a “first-time homebuyer” even if you've owned a home before.

The goal isn't to find the best first-time homebuyer loan.

It's to find the best loan for YOU.

KDM Lending Team
Financing Homes ⭐ Building Dreams

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS 1756904 | DRE 01985953

Patriot Pacific Financial Corp
NMLS 1921615 | DRE 02103516
Equal Housing Opportunity

📌 Facebook:
📌 Instagram:
📌 YouTube:
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H

📍 States PPFC Serves: AL, AZ, AR, CA, CO, DC, FL, HI, ID, IL, IN, LA, MD, MI, MO, MT, NM, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV

09/02/2026

🏡 LOUISIANA — WE DO HOME LOANS!

From New Orleans and Baton Rouge to Lafayette, Shreveport, Lake Charles and communities throughout the Bayou State, Patriot Pacific Financial Corp is helping people finance their next move in Louisiana.

🏠 Conventional Home Loans
🇺🇸 VA Home Loans
🔑 FHA Home Loans
🌾 USDA Home Loans
🏡 Manufactured Home Loans
🏗️ One-Time Close Construction Loans
🔨 Renovation Purchase Loans
💰 Jumbo Home Loans
📊 Bank Statement & Non-QM Loans
🏘️ Investor & DSCR Loans
🌳 Land Loans
💵 HELOCs & Cash-Out Refinances
👴 Reverse Mortgages & Reverse for Purchase

📲 If you're thinking about buying, building, refinancing or investing in Louisiana, reach out to Patriot Pacific Financial Corp and let's see what we can put together.

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS 1756904 | DRE 01985953

Patriot Pacific Financial Corp
NMLS 1921615 | DRE 02103516
Equal Housing Opportunity

📌 Facebook:
📌 Instagram:
📌 YouTube:
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H

📍 States PPFC Serves: AL, AZ, AR, CA, CO, DC, FL, HI, ID, IL, IN, KY, LA, MD, MI, MO, MT, NM, NC, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV

09/01/2026

🌟 Does a Lender’s Appraisal Mean the House Is Fairly Priced and Free of Major Problems?

The appraisal came back good…so that means the house is worth what I’m paying AND there’s nothing seriously wrong with it, right?

Not exactly.

One of the biggest mistakes homebuyers make is confusing a lender’s appraisal with a home inspection. They serve two very different purposes.

In this video, I explain what a real estate appraisal actually tells you, how an appraiser determines market value, what property-condition issues an appraiser may identify, and why an appraisal should never be confused with a thorough independent home inspection.

We’ll also discuss FHA and VA property requirements, why a home can appraise at the purchase price and still have expensive problems, and what buyers should understand before assuming an appraisal is a clean bill of health.

The easiest way to remember it:

APPRAISAL = VALUE
HOME INSPECTION = CONDITION

A good appraisal is great news. Just don't hear “the house has been inspected and everything is perfect” when your lender tells you “the appraisal came in at value.” Those are two completely different things.

KDM Lending Team
Financing Homes ⭐ Building Dreams

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS 1756904 | DRE 01985953

Patriot Pacific Financial Corp
NMLS 1921615 | DRE 02103516
Equal Housing Opportunity

📌 Facebook:
📌 Instagram:
📌 YouTube:
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H

📍 States PPFC Serves: AL, AZ, AR, CA, CO, DC, FL, HI, ID, IL, IN, LA, MD, MI, MO, MT, NM, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV

09/01/2026

🚨🚨 MORTGAGE MARKET UPDATE 🚨🚨
WELL… SEPTEMBER HAS CHOSEN VIOLENCE. 😂

We officially turned the calendar over today and apparently mortgage rates decided: “NEW MONTH. SAME CRAP.”

🏡 WHAT HAPPENED?

Mortgage News Daily’s average top-tier 30-year fixed climbed again today to: 6.89% 📈

Yesterday: 6.87%
Today: 6.89%
Change: +0.02%

That’s another new long-term high.
BUT…Before everyone starts building a bunker, some perspective:

The June 2025 high was 6.97%.
So yes, we’re knocking on the door.
We haven’t kicked it in yet. 😂

🛢️ SO WHAT HAPPENED TODAY?
Unlike yesterday’s weird month-end trading, today had a very obvious culprit.

OIL.

Fighting between the U.S. and Iran intensified again, and oil prices took off.

Brent crude: $94.65
WTI crude: $90.22

WTI jumped more than 5% TODAY.

And unfortunately for mortgage rates, the relationship has become painfully simple:
💥 War escalates
🛢️ Oil rises
🔥 Inflation fears rise
📉 Bonds sell
📈 Treasury yields rise
🏡 Mortgage rates rise

Basically, oil has become the mortgage market’s crazy ex.
Every time you think things have finally calmed down…HERE COMES ANOTHER TEXT. 😂

📈 THE 10-YEAR TREASURY IS THE BIG STORY
The 10-year Treasury climbed to roughly:

4.80%

That is getting uncomfortable. Mortgage-backed securities also got hammered today, losing roughly a third of a point. This is exactly why mortgage rates moved higher.

Remember:
The Fed does NOT directly set mortgage rates.
The bond market does most of the heavy lifting.

And right now the bond market is worried about inflation, oil, war and the possibility that interest rates may need to stay higher for longer. Or potentially go even higher.

Not exactly the recipe for cheap mortgages. 😑

📉 WHAT’S THE STOCK MARKET DOING?
Wall Street didn’t enjoy today either.

Dow: -0.79%
S&P 500: -0.71%
Nasdaq: -1.03%

Higher oil + higher Treasury yields + inflation fears = investors getting nervous. Technology stocks were among the bigger losers.

Apparently September showed up to Wall Street wearing Doc Martens and immediately started kicking things over. 😂

👀 WHAT AM I WATCHING NOW?
🛢️ Oil
🌍 U.S.-Iran fighting
🚢 Strait of Hormuz
📈 10-Year Treasury
📉 Mortgage-backed securities
🔥 Inflation
🏦 Fed expectations

But there’s another HUGE piece coming:
JOBS AND INFLATION DATA.

Today’s JOLTS report showed fewer job openings than expected, which briefly helped bonds. Then the Iran headlines hit.

Oil exploded higher.

And the bond rally disappeared faster than your Columbia House membership after the introductory offer ended. 😂

🏁 BOTTOM LINE
Mortgage rates:

6.89%
UP 0.02% today.
Highest level since June 2025.
But still below that June 2025 peak of 6.97%.
So we’re getting dangerously close to 7% territory again.

The biggest thing I want to see now?
OIL CALM THE HELL DOWN.

If oil retreats and Treasury yields follow, mortgage rates could get some relief. If oil keeps climbing and the 10-year Treasury pushes through 4.80%?

We could be having a very different conversation.
For now…Nobody panic.

But maybe don’t put the fire extinguisher away just yet. 😂🔥

Welcome to September.

KDM VA Home Loans

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