Chris Montz

06/05/2026

Myth Busted: The VA funding fee makes the loan not worth it.

Zero down and no PMI almost always wins the math — even after accounting for the funding fee. And here is something most people do not know: that fee can be financed directly into the loan, so there is nothing due at closing.

Run the numbers side by side against a conventional loan and the VA loan wins in nearly every scenario. Let me show you the comparison for your specific situation.
📞 205-531-8189 | ✉️ [email protected] | 🌐 www.callchrisfirst.com

06/04/2026

Alabama is home to over 400,000 veterans — one of the highest concentrations in the Southeast. Many of them are ready to buy.

VA-eligible buyers often do not know what they qualify for. Agents who can spot that eligibility and connect clients to the right lender win the deal.

Partner with me and you will always have someone who can quickly confirm eligibility and get pre-approval moving before another agent swoops in.

📞 205-531-8189 | [email protected] | www.callchrisfirst.com

06/03/2026

A pre-approval is not just paperwork — it is your proof of purchasing power.

In a competitive market, sellers and realtors take pre-approved buyers seriously. I review your full financial picture upfront so there are no surprises in underwriting. What I tell you on day one is what closes on day thirty.

Most lenders pre-qualify. I pre-approve — and that difference is what keeps your deal from falling apart at the table.
📞 205-531-8189 | ✉️ [email protected] | 🌐 www.callchrisfirst.com

06/02/2026

A lot of veterans think they used their VA benefit once and that's the end of it. That is one of the most common misconceptions I run into.

Your VA home loan benefit is not a one-time deal. As long as you have remaining entitlement, you can use it again. Sold your last home? Entitlement likely restored. Still have that home? In some situations you can still qualify for a second VA loan.

Every situation is different but the point is — do not count yourself out without calling me first.

📞 205-531-8189 | ✉️ [email protected] | 🌐 www.callchrisfirst.com

06/01/2026

If you are a veteran, active military or first responder and are feeling lost or lacking that sense of connection you once had while in service I want to invite you to come attend one of these retreats.

This retreat here is men only but we do have women's and marriage retreats throughout the year.

If you are intested in more information please reach out.



https://www.facebook.com/share/p/1Jobd1e5UA/

You are not alone.

If you've been carrying the weight of what you've seen, what you've done, or what you've come back to, this retreat is for you.

Alabama Veteran is hosting the Men's Warrior Retreat at Soggy Bottom in Linden, Alabama, a 4-day immersive experience built for Veterans, Active Military, and First Responders who are ready to find their footing again.

Two sessions available:
📅 July 16–19, 2026
📅 August 13–16, 2026

There is no cost to attend. Space is limited and an application is required.

👇 Apply at the link below and take the first step.

https://app.alabamaveteran.org/widget/form/hkSar4JzWFJZPagrMHg6?notrack=true

for more info contact us at [email protected]

05/29/2026

Myth Busted: You need perfect credit to get a VA loan.

The VA itself sets no minimum credit score. Individual lenders may have their own overlays, but there is far more flexibility with a VA loan than with any conventional product.

Do not count yourself out before you make the call. I have helped veterans qualify in situations that surprised even them. Credit is one piece of the picture, not the whole story.

📞 205-531-8189 | ✉️ [email protected] | 🌐 www.callchrisfirst.com

05/28/2026

VA loans do not fail — inexperienced lenders do. If your last VA deal dragged on or fell apart, that is a lender problem, not a loan problem.

The right lender orders the appraisal fast, stays ahead of underwriting, and keeps you in the loop every step of the way.

I have seen every VA curveball. When issues come up, I am already working the solution — not scrambling to figure it out.

📞 205-531-8189 | [email protected] | www.callchrisfirst.com

05/27/2026

Veterans, active duty, National Guard, and Reserve members may all qualify for a VA loan. A lot of people are eligible and have no idea.

I can pull your Certificate of Eligibility electronically in minutes directly through the VA system — no paperwork chase on your end.

Surviving spouses of veterans who passed away in service or from a service-connected disability may also be eligible. If there is any question about whether you or someone you love qualifies, the answer takes one phone call.

📞 205-531-8189 | ✉️ [email protected] | 🌐 www.callchrisfirst.com

05/26/2026

Did you serve 10, 20, or even 30 years ago and never used your VA loan benefit? It is still sitting there waiting on you.

There is no clock running on this benefit. No deadline. No expiration date. When you are ready to buy a home — whether that is this year or five years from now — your VA benefit is ready too.

If you are not sure whether you qualify, reach out and let's figure it out together.

Takes about five minutes.
📞 205-531-8189 | ✉️ [email protected] | 🌐 www.callchrisfirst.com

05/22/2026

Myth Busted: VA loans are harder to close.

That reputation is completely outdated. A VA buyer working with a lender who actually knows this product closes on time, every time. The difference is never the loan — it is always the lender.

I have closed hundreds of VA loans. My process is built around hitting your timeline and protecting your deal from start to finish. If you have heard this myth from an agent or a seller, send them my way. Five minutes changes the conversation.

📞 205-531-8189 | ✉️ [email protected] | 🌐 www.callchrisfirst.com