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Did you know? And more to the point, do your realtor's know? 


  • VA Funding Fees are going down November 18th from 2.15% for first time use to 1.4%-see VA Circular 26-11-15
  • VA kept higher loan limits through 2011!
  • California has the most veterans of any state
  • We have over 2,000,000 veterans, more than the state of Texas.
  • Almost 1 in 10 Californians is a veteran and 1 in 5 males.  


New enhancements to our VA loan program:


  • Standard VA minimum credit score now down to 620! (IRRRL requires 640)
  • Jumbo VA minimum credit score now down to 640 (price exceptions apply) 660 for regular refi/cashout
  • Jumbo VA loan now 100% to 1 million (pricing exceptions apply)


Now it's time for us to serve...



Get Today's Rates  



Pinnacle Capital Mortgage is a VA LAPP approved lender with on site VA underwriters that will get you squared away!


Book VA Training with us!


  • Call your PCM Account Executive to request on site VATraining Presentation for 5 LOs or more!
  • Check out all the helpful VA links (including VA's own underwriting guidelines here.

House Keys 


PCM is allowing LPC (lender paid comp) on VA loans!


A note on non-allowable fees: The seller can pay the non-allowables on a purchase transaction, but now the veteran can also pay the non-allowables (up to 1% of the loan amount). This is because in an LPC transaction the veteran is not being charged the 1% origination charge.


In an effort to keep VA loans available for our veterans, Pinnacle Capital Mortgage, will pay non-allowables over and above 1%, if needed. Prior approval required.


Account Executives
Beth Reno breno@pcmloan.com 925.858.5668
Carol Commiskey ccommiskey@pcmloan.com 925.997.5575 
Cassie Quinn cquinn@pcmloan.com 408.506.3749
Chip Mamiya cmamiya@pcmloan.com 310.722.8733   
Conrad Tan ctan@pcmloan.com 408.334.9836  
Greg Woolsey gwoolsey@pcmloan.com 805.732.5258
Holly Chase hchase@pcmloan.com 949.683.9002
Kristen Jerger kjerger@pcmloan.com 760.602.9555   
Lisa Lariccia llariccia@pcmloan.com 619.754.5874
Lynne Gonzales lgonzales@pcmloan.com 949.338.5390 
Phil Aguillon   paguillon@pcmloan.com    408.701.7714  
Reina Martinez rmartinez@pcmloan.com 626.590.0246


VP/ Regional Sales Manager
Terri Buckman   tbuckman@pcmloan.com  925.822.5931


RVP/Regional Manager
Shelley Thurlow  sthurlow@pcmloan.com   925.822.5287

� 2010 Pinnacle Capital Mortgage    Equal Housing Lender | NMLS 81395 | WA CL-81395 | AZ BK-0115651

Licensed by the Department of Corporations under the California Residential Mortgage Lending Act.


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