Joint Base Fort Lewis-McChord Washington Area Real Estate

Phil Sharp Broker/Retired Army 360-970-9977

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Welcome To The Mortgage Dept.


Phil Sharp Homes Network - Mike Villano at the Veterans Lending Group

As part of his extensive network within Real Estate and the community, Phil Sharp networks with proven professionals that can provide you with excellent services. Mike Villano and his team at Veterans Lending Group have consistently demonstrated exceptional service to many of Phils clients. Veterans Lending Group is very competitive with all the military banks, and is equal to no other in customer service.

In Phils "Mission: Satisfied Customer," Mike and his team at Veterans Lending Group are a big contributor to "Mission: Accomplished."

Mike Villano: Veterans Lending Group

"As a VA lending specialist I have the pleasure of working with the best sort of people, in my opinion. 

My customers are always honorable ladies and gentleman who live a life not many fully understand.  I feel honored to be trusted with their home financing when they are out of state and many times out of this country. 

My team and I work very hard to make sure dates are met and transactions are smooth because that's what we would expect out of you.  I look forward to each new relationship formed and am proud to say we have done an excellent job serving those who have served us all.  Thank you."

-Mike Villano at Veterans Lending Group

equal housing lender logosm Veterans Lending Group is a VA approved lender that is not endorsed, sponsored or affiliated by the Department equal opportunity lendersmof Veterans Affairs or any government agency.  Programs subject to change without notice.  CL#890293 CO NMLS#93243


Customer Feedback

"Mike was always greeting us with a positive vibe. It was almost like you could see the smile on his face even when you were talking over the phone. Very friendly and courteous every step of the way.  Thank you too Mike and Angela and the whole team who helped us along that way! Angela was great, friendly and helpful in every experience I had with her."


"Quick feedback. Immediately addresses concerns. Worked as a great advocate and even after hours. Positive and proactive every step of the way. Keep Michael, great asset to your team. Personable, sincere, makes one feel he goes that extra mile."


"My lender Mike Villano did an amazing job not only to keep me updated but to make the transction smooth. he was diligent and made the proceess easy to understand. I will most certainly be referring friends and family to him! Thank you for helping me get this done!"



Are You a Military Homebuyer?

Have you served our country? If you are active duty, prior service, or a reservist you may qualify for the VA home loan with no money down and no mortgage insurance. The VA home loan benefit is a zero down loan program which is earned through military service. The maximum loan limits for 100% financing are based on the county the property is located. The VA guarantees a portion of the loan, which eliminates the need for mortgage insurance, thereby saving the military homebuyer a great deal of money. Some of the greatest benefits of the VA home loan program are listed below:

     1.    100% financing up to county loan limit (*$417,000 in Thurston, Kitsap $506,000 in Pierce and King County)
     2.    No Private Mortgage Insurance
     3.    Easier Qualifying for Credit, Income and Make Sense Underwriting
     4.    The VA loan can be re-used over and over again
     5.    You can have multiple VA loans at one time
     6.    VA allows rental income when you have no equity in your current home and no experience as a landlord
     7.    The VA Jumbo loan finances loan amounts over $1,000,000 with low down payments and very competitive interest rates

Veterans Lending Group Home Loans

America’s VA Loan experts at Veterans Lending Group are happy to help you with your mortgage loans and answer your questions. 

 If you prefer to speak to a team member at Veterans Lending Group call 253-604-4700.

Visit the team at for more information today.

Mortgage Dept VA FHA Conventional Lending

  • 10 Questions to Ask Your Lender

    1) What are the most popular mortgages you offer?  Why are they so popular? 2) Which type of mortgage plan do you think would be best for me? Why? 3) Are your rates, terms fees and closing costs...

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  • A Word About VA Loans

    A VA home loan is a popular mortgage choice for eligible veterans who wish to purchase a home with NO down payment.  Although the Veteran’s Administration charges a VA funding fee to cover costs to...

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  • Getting A Home Loan

    Getting a home loan is really a simple process.  You can even apply via email or the web and have financing in place prior to your arrival. This makes shopping for a home quicker, less stressful and helps...

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  • Home Finance Mistakes You Can't Afford

    Most advice columns tell you what you should do, but just as importantly, there are some things you shouldn't do. Here are 10 frequent home finance mistakes that consumers make - and that you should...

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  • Lender Checklist

    What you need to provide your lender to apply for a Mortgage (requirements may vary depending on lender requirements): □ W-2 forms — or business tax return forms if you're self-employed — for the...

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  • They Said Interest Rates Wouldn't Change

    Didn’t the Government Say that Interest Rates Wouldn’t Change? Mortgage interest rates, to include VA Mortgage rates, have increased significantly over the past month.  Although the fed has stated...

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Contact Mike

Tell Him Phil Sent You...


1011 E. Main St., Ste. 303

Puyallyup, WA  98372

Office : 253-604-4700     

Fax :  253-904-8960

Cell :  253-686-2491

NMLS# 902369

Meet The Team at Veterans Lending Group

Brooke Villano
Branch Manager
Office: 253-604-4700
NMLS# 309717

Nicole Moore
Branch Operations Manager
Office: 253-604-4700
NMLS# 1078100

Network with Mike Villano & Veterans Lending Group






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