This page is dedicated to all the employees at Low VA Rates who have served or are currently serving, as well as those with loved ones who have served or are still serving. We are forever grateful to those men and women who have put their lives on hold to protect our freedoms, especially those that have paid the ultimate price in pursuit of this goal. We realize that the family members of our service members also make significant sacrifices while their loved ones are serving. May God bless this great nation and bless those who make these sacrifices.

RET. MAJ. TIM LEWIS / 21 YEARS OF SERVICE / VP OF SALES

Decorations and Distinctions

Army Good Conduct Medal

Airborne, Air Assault and Combat Action Badges

Army Commendation Medal with Silver Oak Leaf Cluster

Joint Meritorious Unit Award, Meritorious Unit Commendation

21 Years of Service

Bronze Star Medal

Meritorious Service Medal with 1 Oak Leaf Clusters

Following in the footsteps of his father, Gsgt. Walter F. Lewis of the Marine Corps, Tim Lewis served for 22 years as an enlisted soldier, a member of the National Guard, and as a Reserves officer of the United States Army. His father Gsgt. Lewis served during World War II and was awarded an astounding three Purple Hearts for his time in combat. Tim often shares with his coworkers the many lessons he learned from his father's incredible military career, and Low VA Rates employees benefit from these stories every day. Tim also brings to the company valuable skills acquired in the line of duty: a highly motivated and energetic personality and an unfailing willingness to take on new challenges and go above and beyond his job requirements. Because of his personal connection to the military, Tim feels a genuine devotion to veterans and their wellbeing, making him a wonderful Vice President of Sales for Low VA Rates.

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Norman Tanner / Army & National Guard - 11 years

Sales Development Representative

 

Norman served in the United States Army for a total of 34 months. He was a PFC in the 101st Airborne, where, for a good deal of the time, he was the medic for Company B of the 501st Infantry. Later, in the Army National Guard Transportation Company #2222, positioned in Douglas, Arizona, Norman was a Diesel Deuce and a Half Driver with the rank of Spec 4. He’s served eight years in the Utah and Arizona National Guards. Norman’s work at Low VA Rates as a Sales Development Representative has helped the company grow and reach out to the veteran community with greater efficiency. Being a veteran himself, Norman provides terrific insight into what veteran and military families need and how best to help them. From all of us: thank you for your service, Norman!

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Ret. SSgt. Clemente Ardene / Air Force - 8 years

Loan Officer

 

Clemente served in the United States Army for a little over 8 years. He joined the Army because of his immense appreciation for American freedoms and because of his desire to see the world. His time in the military came to an end when he began working part time in the mortgage industry and found he enjoyed helping other veterans take advantage of VA loans. He decided to pursue the origination of VA loans as a full-time career. Clemente's genuine care for veterans is evident in his work as a loan officer at Low VA Rates and makes him one of our greatest assets.

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Shane Howard / Air Force - 4 years

Processor

 

From 2009 to 2015, Shane Howard was stationed at the Dover AFB as a member of the United States Air Force and has served in the USAF Reserve since 2015. Currently, Shane is attached to the Hill Air Force Base in Utah. He has earned the rank of staff sergeant, and throughout his career, he has participated in Operation Enduring Freedom, Operation New Dawn, and Operation Inherent Resolve. Shane is a Basic Military Training Honor Graduate, and the recipient of two Air Force Commendation Medals. In 2014, he was named the 436 Security Forces Squadron Raven Team Leader of the Year, as well as the Air Mobility Command Raven Team Leader of the Year. Shane's outstanding service and discipline is just part of what makes him a valuable processor here at Low VA Rates. We honor and thank him for the numerous sacrifices he's made on behalf of this country.

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We are proud to showcase these great employees below

Understanding VA Hybrid Loans - The Truth - by lowvarates.com

Current Employee Veterans

 

Employees With Family Members Who Serve Or Have Served

 

Get to know our philosophy

We are passionate about Veterans and the Military

We are here because we want to be, and have been assisting veterans for the past 10 years. The purpose of the VA loan program is to help our nation's veterans obtain adequate housing on better terms than they could get elsewhere, and the reason we come to work every morning is to make sure that happens for every veteran that calls our number or walks through our door. Our goal is to make sure that a veteran is treated like the hero that he or she is, and gets the benefit they were promised when they signed up to protect our freedom.

We find great fulfillment in our work to help veterans take advantage of the VA loan program. It brings us great satisfaction to do something we love and provide a much-needed service to our nation's greatest assets. At the risk of getting sentimental, seeing a newly-discharged veteran with a young family learn that they can get the home they want with the interest rate a full 2% less than he was expecting is one of the best experiences on the job.

There are many lenders that have only hopped on the VA loan bandwagon since the recession hit, and do their best to transfer their knowledge of conventional loans to VA loans. They are not experts. We have been doing business in VA loans since we opened our doors, and know the program back-to-front. Let us share with you what we've learned.


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Ways to support our troops

You can make a difference

There are many ways that you can serve those that are serving us, and you can make a substantial difference in many peoples’ lives even if you can’t afford a cash donation of some kind. AARP has a list of some of the many different ways that you can give back to the members of the military and their families.

You can send gifts, letters, and care packages, you can donate books, movies, cell phones, groceries, or gift certificates. You can volunteer for various veteran organizations that are based in your area, and you can reach out to veteran organizations with a national presence and see how you can help in your local chapter.

Regardless of what you decide to do, you can know that you are helping support and serve those who are dedicating their time, and possibly their lives, to serving and protecting you.

Support Your Troops