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Effective Date: Loans closed on or after 10/01/11

We have just been notified by one of our premiere lenders (Michelle Wickett of Evergreen Home Loans)
of upcoming changes in the VA funding fee. This is likely to make the VA home loans even more
desirable. (Please keep in mind that VA foreclosures also qualify for a VA, no money down financing
without regard to whether the purchaser has been a member of the US armed forces or not. )

VA Funding fees will be decreasing 0.75% across the board for First Time Use.
Otherwise, the amount of reduction in the funding fee will vary with on the status of the applicant
(Veteran vs Reservist or National Guard) and the amount of down payment and whether a First Time
user or Subsequent User.

For additional lending questions or clarification, Call your preferred Loan Officer or Michelle at 360‐459‐
1200.