
Hosted By:
Steven Vajello
Leonardo Luna


If you purchased your home between 2021 thru 2024 and utilized the VA loan, chances are you locked in at one of the highest interest rate periods in recent history.
Now, rates have dropped, and you may qualify for the VA’s Interest Rate Reduction Refinance Loan (IRRRL), also known as the VA Streamline Refinance.
This simple refinance option could:
Lower your monthly payment by hundreds of dollars by reducing your interest rate
Allow you to skip one—sometimes two—mortgage payments
Save you thousands of dollars over the life of your loan
But most VA borrowers aren’t fully aware of how this program works or the timing advantages.
That’s where we come in.
Don't make the mistakes, attend the FREE online webinar!
The IRRRL program is designed to put money back in Veterans’ and Service Members’ pockets. Yet many homeowners are still paying inflated monthly payments they don’t need to.
During this online webinar, we’ll break down:
· Exactly what an IRRRL is and how it works.
· The real savings you can unlock by refinancing now.
· Common misconceptions and mistakes VA borrowers make.
· How to know if you’re eligible and what the process looks like.

Steven Vajello
Loan Officer
Patriot Pacific Financial Corp.
NMLS License # 1078314
With over 25 years in the mortgage industry, the last 15 dedicated to VA homeownership, I’m passionate about helping veterans achieve their dreams. My expertise lies in VA refinances (IRRRLs) and purchase loans. My motto: always 2nd “Clients First, Always.” I bring enthusiasm, optimism, and a positive attitude to every interaction, ensuring a smooth and stress-free loan process. “In my free time, I enjoy reading, staying active, and cruising on my Harley or classic car – much like many Veterans!”
Leonardo Luna
REALTOR®
Rise Realty
DRE License: 02208950
As a trusted REALTOR®, I combine honest guidance, strong local knowledge, and creative marketing to help Veterans and families make confident real estate moves. I focus on building genuine relationships, understanding your goals, and advocating for your best interests - whether you’re buying, selling, or exploring opportunities through the VA IRRRL program.

Patriot Pacific Financial Corp is a Mortgage Lending company based in California. We are staffed by NMLS and DRE Licensed Loan Officers who specialize in locating the right loan types for our clients and processing them efficiently. We work with residential FHA, VA, Conventional, USDA, Private Money and Reverse Mortgages across the state. We are members of the Southwest Riverside County Assoc of Realtors, National Association of Realtors, Association of Independent Mortgage Experts, National Association of Mortgage Brokers.
PATRIOT PACIFIC FINANCIAL CORP, a California Corporation, is licensed by the California Dept of Real Estate with License# 02103516 and Corporate Unique Identifier NMLS #1921615.
Click here for NMLS Look Up site https://nmlsconsumeraccess.org/
All loans are subject to Credit and Income approval. Equal Opportunity Lender.

