Jeff Markell NMLS# 224196 AKA Grandpa Mortgage 714.614.4040 and Lee Korengold NMLS# 236625 AKA Home Loan Lee 714.336.9030 talk about home loans (and themselves) via their Mortgage Broker Videos. Get to know the Mortgage Broker In OC guys providing mortgages throughout California. Empire Home Loans NMLS# 1838243 #MortgageBrokerInOC #MortgageBrokerVideos

Check out the types of home loans Jeff and Lee provide throughout California and Oregon: www.mortgagebrokerinoc.com 

Jeff entered the mortgage business in 1996. Licensed in California and Oregon, Jeff has dedicated his mortgage career to helping people become homeowners and accumulate wealth through real estate. His broad experience as a Mortgage Loan Originator, as a REALTOR, and in Management make him a trusted advisor you can count on. A California native and U.S. Air Force veteran, he has lived in Orange County for over 30 years. He has been married to his wife, Mary, since 1992, and they have two kids and two grandsons. Jeff and his family love dogs and actively support dog rescue organizations. Outside of work, Jeff is passionate about cycling, golf, music, and motorcycles.

Lee has been a loan officer for 25+ years and has always had one goal: to help his clients find the best loan available with integrity and honesty. Lee says, “It’s a great feeling when I’m part of a transaction that helps a person or family find the home of their dreams.” The most important part of his life is family. Lee has been married to his wife, Paula since 1977. They have 2 sons; one is an officer in the Marines and, the other is a vice president of a major home and commercial builder. Their sons have blessed them with 7 wonderful grandchildren. Lee enjoys going to the gym and playing as much golf as possible.

Watch our Mortgage Broker Videos below. People tell us they can’t get enough of our Videos!

Mortgage Broker Videos
Mortgage Broker Videos

Video 99, Buying a home isn’t a solo mission 🏠💪 — it’s a team effort! And the stronger your team, the smoother your homebuying experience will be. So… who should you have in your corner? 🤔 First up, the two must-haves: ✅ An Experienced Mortgage Advisor – Your guide to loan options, approvals, rates, and strategies that fit your goals. 💰 ✅ A Trusted Real Estate Agent – The pro who knows your market, negotiates on your behalf, and helps you find “the one.” 🏡 From there, build out your dream team: Financial Advisor 💵 – Keeps your big-picture plan on track. Home Inspector 🔍 – Protects you from costly surprises. Appraiser 📏 – Confirms your home’s true market value. Title Officer 📄 – Ensures your ownership is crystal clear. Real Estate Attorney ⚖️ – Helps with contracts and special cases. Home Insurance Agent 🏘️ – Protects your investment from day one. Every buyer’s situation is different — whether you’re purchasing your first home, a vacation getaway, or an investment property. The right professionals make all the difference between stressful and successful! 🎯 🎖️ I’m Jeff Markell, aka Grandpa Mortgage, and I’ve helped hundreds of families and veterans build their perfect homebuying team. If you want your next home purchase to be smooth, smart, and stress-free — start by surrounding yourself with experience. 🙌 #MortgageAdvisor #HomeBuyingTips #RealEstateAgent #HomeBuyingTeam #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #MortgageBrokerVideos #FirstTimeHomeBuyer #VeteranHomeLoans

Video 98, Here’s something that absolutely blows my mind 🤯 — 76% of Veterans aren’t using the VA Loan to buy their homes. That means only about one in four is tapping into one of the best loan programs in America. Let’s talk about why — and why that needs to change 👇 ✅ Zero Down Payment — That’s right, zero. Keep your savings for furniture, family, and freedom. ✅ No Private Mortgage Insurance (PMI) — Unlike FHA or Conventional loans, the VA Loan doesn’t require that costly monthly add-on. ✅ Competitive Rates — VA interest rates are often lower than conventional loans, saving you thousands over time. ✅ Flexible Guidelines — VA loans were designed for you, not against you. So why aren’t more Veterans taking advantage? Too many myths, too little education. Some think it’s complicated. Others assume sellers won’t accept VA offers. The truth? With the right lender who knows the VA inside and out 💪 — like Grandpa Mortgage — it’s easier than you think. If you served this country, you earned this benefit. 🦅 Don’t leave it on the table — use your VA Loan and make homeownership happen. 🏠💙 🎖️ From one Veteran advocate to another — let’s get you the home you deserve. 🙌 If you found this video helpful, don’t forget to like, subscribe, and hit the notification bell 🔔 so you never miss more tips to help you reach your homeownership goals! #VALoan #Veterans #VeteranBenefits #VeteransDay #HomeLoans #ZeroDown #JeffMarkell #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #MortgageBrokerVideos #VeteranHomeownership

Video 93, How To Get A VA Loan With A Job Offer Letter - 🏠💼 Thinking about buying a home before starting your new job? Sounds impossible, right? Not with a VA Loan! Veterans and active-duty members can qualify for a mortgage using a job offer letter — even if they haven’t clocked a single day at their new position yet. 💪🇺🇸 Here’s how it works 👇 It’s called future income, but there’s a catch — it must be guaranteed. That means a signed, non-contingent offer letter — no “if the contract gets approved” or “once probation ends” language. The VA allows it for stable, predictable income situations — think teachers whose school year starts in the fall, or service members transitioning into civilian jobs after separation. But ⚠️ here’s the twist: not all lenders follow VA rules exactly. Some add extra requirements (called lender overlays), like having to be on the job for 30 days before closing. The good news? With the right lender, you can close up to 60 days before the job starts — as long as you’ve got enough reserves to make those first few payments. 💡 Bottom line: Yes, you can get a VA Loan with a job offer letter — if your lender truly knows the VA guidelines and applies them correctly. I do! 👴 Follow Grandpa Mortgage for more VA Loan hacks, real-world mortgage tips, and insider strategies to make homeownership easier for veterans and first-time buyers alike! 🇺🇸🏡 #VALoan #JobOfferLetter #VeteranHomebuyer #GrandpaMortgage #HomeLoanTips #MortgageBrokerVideos #VABenefits #MortgageEducation #EmpireHomeLoans #HomeLoanLee

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Video 86, Ever wonder how a $0 down VA loan can still end up costing thousands at closing? 🤔 You’re not alone! While VA loans are one of the best benefits available to veterans and service members, there’s a lot more to know about closing costs before you sign on the dotted line. In this video, we’re breaking down where that money actually goes — from property taxes and insurance to lender fees, VA appraisals, and everything in between. 💵 Learn which costs are fixed, which are negotiable, and which ones are set by law so you can plan ahead and avoid surprises at closing. 💡 You’ll Learn: ✅ Why “0 Down” doesn’t mean “no cost” ✅ Typical closing costs on a $400,000 VA loan ✅ What fees are veterans legally protected from paying ✅ How to negotiate closing costs with sellers or lenders ✅ Smart ways to cover your closing costs — without breaking your budget Some lenders might roll your closing costs into your loan with a slightly higher rate, while sellers can sometimes help cover them. 🏡 But each option comes with trade-offs — higher payments, longer-term debt, or tighter approval conditions. 👉 Before you start house hunting, talk to your VA Expert to find the best strategy for your financial situation. 📞 Contact: Jeff Markell (714) 614-4040 | Home Loan Lee (714) 336-0930 | Mortgage Broker Videos 🎬 Subscribe for more clear, veteran-friendly mortgage advice from Grandpa Mortgage — helping you make smarter homebuying decisions every step of the way! #VALoan #VACloseCosts #Veterans #HomeBuying #MortgageTips #GrandpaMortgage #EmpireHomeLoans #HomeLoanLee

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