Nick Intrieri
Nick is an Army Veteran and expert in the VA Home Loan process. He is a husband and father of 3 young children. Nick and his wife Rachel are active in their community, advocates for Foster care, and Nick continues to serve in the Army Reserves. They enjoy family trips, cruising on the golf cart around the neighborhood, and home renovation projects.
Miguel Rosinski
Branch Manager & Senior Loan Officer Miguel Rosinski is a retired Senior Chief Petty Officer who served the United States Navy for more than 20 years. From navigating ships from point A to point B, he now uses his time and expertise to navigate Veterans and future homeowners into their new homes. He is passionate about educating on the benefits of the VA loan and helping borrowers understand all of their options. As a Senior Loan Officer and Branch Manager, he’s helped hundreds of families buy and refinance their home. He’s here to help! When he’s not at work, Miguel enjoys spending time with his wife and three kids. Together, they share two German Shepherds and love to watch movies, play outside and stay active in their church community
Matt Colgin
Matt Colgin is a dedicated husband and father of two. Before coming to Veterans United, he worked for a national realty trust company. He enjoys working with his active military and veteran clients to help them achieve the dream of home ownership. He takes great pride in his customer service and works to make the process as smooth and as easy as possible for everyone involved. Matt will work tirelessly to get you into your new home and it shows in his results
Nina Chapin
Nina Chapin is a VA home loan expert having the pleasure of helping over 250 Veterans into their dream homes! She takes pride in serving those who have served our country. Nina was born and raised in Columbia, Missouri where she met her husband, Joe. In her spare time she enjoys traveling, fishing, hunting, football and anything outdoors as long as it involves her friends, family and dogs. Nina's dedication, attention to detail and work ethic is awaiting any active duty or Veteran service member looking to use their benefits with her.
Shane Lowe
I am a father of three beautiful children, Harper, Channing, Scout and we are expecting another addition to the family in September. My wife Brittney also has the amazing opportunity of being a part of the Veterans United family. We are a family that loves our sports teams, the St. Louis Cardinals and the Minnesota Vikings. We love to be outside, particularly the swimming pool and BBQ’s with friends and family. I grew up in central Missouri, in a small town called New Bloomfield. My family, mom, dad, brother, and sister all served active Army, something I am very proud of. I went a different route out of high school; I was fortunate enough to have been drafted by the Colorado Rockies and played four years of minor league baseball. I then finished my degree at a small school, Central Methodist University. I was hired here at VU and have never looked back.
“Obstacles don’t have to stop you. If you run into a wall, don’t turn around and give up. Figure out how to climb it, go through it, or work around it.” – Michael Jordan
Emmy Curry
Emmy resides in Columbia, MO with her four legged roommate, Theo, her son, Jaden, and her husband, James. She enjoys, hiking, traveling, cooking, watching basketball, and helping our Veterans!
She is committed and honored to fulfill the dream of homeownership for our Veterans and their families. She understands home buying can often be scary and stressful, but she does everything in her power to make the process as smooth as possible. Emmy prides herself on building relationships through excellent communication and customer service to ensure our Veterans and their families have a positive experience.
Nate Bohon
Nate Bohon is an expert in the VA home loan, with training and certification specific for this role. He has been at Veterans United since 2013 and enjoys helping veterans become homeowners daily. He loves spending time with his family, playing and watching sports, and traveling.
Chad Bowman
Branch Manager Chad Bowman proudly served on active duty in the Marine Corps infantry before graduating with honors from the University of Texas at Austin. He has specialized in VA loans since 2004 and opened the first Texas branch of Veterans United in early 2014. Chad’s role on our team is to get the VA home loan benefit to as many veterans as possible and to teach Texas real estate agents how VA loans really work. You may sign up for one of Chad’s VA classes or for his monthly VA newsletter at ChadBowman.com.
Ryan Bray
Production Manager Ryan Bray graduated from Missouri Western State University in 2005 with a degree in Business Administration. He has proudly served military Veterans at Veterans United since 2007, and in 2014, he moved his family to Texas to join our Austin team serving all of Texas. As a VA Loan Expert, Ryan has built years of experience and expertise with military homebuyers using their VA benefits, and he is ready to serve you!
VA Loan Benefits
The VA has guaranteed more than 28.5 million loans since 1944, when the home loan program began as part of the original GI Bill of Rights. VA loans work much like any other home loan but come with significant benefits meant to make homeownership easier and more affordable for Veterans and service members.
Here's a look at a handful of the biggest benefits of VA loans:
$0 Down Payment
Being able to buy a home without a down payment is the signature benefit of VA loans. This huge advantage has been part of the loan program since day one. Qualified Veterans can purchase without making a down payment, no matter how much home they're buying.
Most other loan types will require a down payment, often at least 3% of the loan or more. Saving that kind of lump sum can take years for many Veterans and military families. VA buyers with plenty of cash for a down payment can also choose to invest that money elsewhere.
Lower Interest Rate
Flexible Credit Guidelines
Closing Cost Limits
No Private Mortgage Insurance
What are the Requirements to Get a VA Loan?
Generally, to be eligible for a VA loan, you or your spouse must meet the minimum service requirements set by the Department of Veterans Affairs (VA), have a valid Certificate of Eligibility (COE) and satisfy the lender's credit and income requirements.
You may qualify for a VA loan by meeting one or more of the following requirements:
- You served 90 consecutive days of active service during wartime.
- You served 181 days of active service during peacetime.
- You have 6 years of service in the National Guard or Reserves, or served 90 days (at least 30 of them consecutively) under Title 32 orders.
- You are the spouse of a service member who died while serving or died from a service-connected disability.