Randall Yates | Source | Co-Founder at VA Loan Network

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Randall Yates

Co-Founder at VA Loan Network and 2 other companies
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Randall Yates is a financial advisor and wealth preservation specialist dedicated to serving the unique financial needs of veterans. With over a 15 years experience as the CEO of TheLendersNetwork.com, Randall helped thousands of borrowers understand credit, mortgages, and the path to homeownership. Randall is also a co-founder of VA Loan Network and Vet Home Search, he focuses exclusively on helping veterans build, protect, and preserve wealth through strategic financial planning, asset management, and education. Randall’s mission is to ensure that every service member has a trusted advisor who understands both their benefits and their long-term financial goals. His transition from mortgage executive to veteran-focused financial strategist reflects his commitment to making a deeper impact in the lives of those who’ve served.

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  • Navigating Loans for Seniors: Expert Insights from VA Loan Network
    Randall explains that seniors on Social Security can qualify for loans if creditworthy. "Fixed-income sources like Social Security enhance loan approval chances." The Equal Credit Opportunity Act protects against age discrimination. Suitable loans include fixed-interest personal loans, reverse mortgages, and home equity loans. Seniors should consider loan costs, repayment ability, and estate planning before borrowing.
  • Retirement and Credit Scores: Expert Tips for Financial Stability
    Randall explains that retirement doesn't directly affect credit scores, but fixed income can lead to increased credit use. To maintain credit, he advises, "keep old cards open with minimal charges" and ensure at least one active account reports monthly. Converting assets into steady income streams can enhance borrowing potential. Treat credit as a long-term asset by preserving history.
  • Navigating Home Equity: HELOCs vs. Home Equity Loans in Today's Market
    Randall notes, "HELOCs are generally easier to qualify for due to perceived lower risk." Some lenders tighten credit for HELOCs, while others offer lenient DTI requirements. HELOCs often fund faster. For borrowers, a soft credit precheck is advised. Choose a home equity loan for predictability or a HELOC for flexibility and phased borrowing.
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