FREE 25-Minute IRRRL Audit for Clark and Washoe County Veterans

Find Out if Those “Under 5% Mailers” Are Real or Too Good to Be True

Discover what those 4.75%–4.99% mailers don’t show you and learn whether an IRRRL could actually save you money right now (based on real Nevada numbers).

📅 Wednesday, Nov 19 • 6:30 PM PST
Live on Zoom — Nevada Veterans Only

Next session starts soon — Limited Seats for Nevada Veterans Only

First Name

Last Name

Phone *

Current VA Interest Rate

Approx Loan Balance

Would you like me to run YOUR numbers before class?

Yes

Email *

By checking this box, I consent to receive transactional messages related to my account, orders, or services I have requested. These messages may include appointment reminders, order confirmations, and account notifications among others. Message frequency may vary. Message & Data rates may apply.Reply HELP for help or STOP to opt-out.

By checking this box, I consent to receive marketing and promotional messages, including special offers, discounts, new product updates among others. Message frequency may vary. Message & Data rates may apply. Reply HELP for help or STOP to opt-out.

Nevada Veterans • No Sales Pitch • Numbers-Only Breakdown

Your information will ONLY be used to send your Zoom link + class reminders.

Hosted by:

Rashelle Kotch

Owner | Mortgage Strategist

NMLS #262451

Nevada Veterans Are Getting Mailers with “Under 5% Rates”… Here’s What They’re NOT Saying

Those mailers leave out a LOT, including:

✔ Many of those rates require paying thousands in discount points
✔ They’re based on perfect credit and very specific loan scenarios
✔ They often reset your loan back to 30 years without showing the cost
✔ Most don’t show the real break-even math
✔ And some try to push you into refinancing when it doesn’t make financial sense

This class teaches you exactly how to evaluate ANY VA mailer, so you never get misled again.

🏠 Designed Specifically for Nevada VA Homeowners (Clark & Washoe Counties)

Unlike national refinance ads, this class is tailored to:

• Rising property taxes in Washoe & Clark
• How local lenders push mailers aggressively
• Nevada-specific closing cost expectations
• Hot-button issues for Reno/Sparks and Las Vegas/Henderson veterans
• Loan scenarios commonly approved in NV given our current market

When you understand the local math, you can make the right decision for your family — not for a lender’s commission.

What You’ll Learn in This 25-Minute IRRRL Audit Class

✔ How to calculate your true break-even using just 3 numbers
✔ How to compare a “4.99% mailer rate” vs. a real-world rate
✔ Whether refinancing NOW or waiting could save you more later
✔ How to tell if refinancing is a smart or bad financial decision
✔ How an IRRRL works (in plain English)
✔ No appraisal, no income docs, no termite report - what that really means
✔ How to increase cash flow WITHOUT resetting your loan term (game changer)

About Your Host Rashelle Kotch

For 20 years, I’ve helped Nevada veterans build wealth through smart mortgage strategies

I specialize in:

• VA loans
• IRRRLs
• Cash-flow optimization
• Break-even analysis
• Math-first lending strategies

My goal is simple: show you the numbers so YOU can decide.

Q1: Do I need perfect credit for an IRRRL?

No. IRRRLs are very forgiving and do NOT use full credit underwriting.

Q2: Will this affect my current loan?

No, attending the class is purely educational.

Q3: What if I already got a mailer?

Perfect - bring it! I’ll show you how to analyze it on the spot.

Q4: Is this a sales pitch?

Zero sales pitch. This is purely a math-and-education class.

⭐ 5-Star Rated Nevada Mortgage Strategist
🏆 Veteran-Focused, Nevada-Owned Company
📊 Over 1,200 Nevada homeowners educated
🔍 Transparent, math-first approach

Rashelle Kotch

Owner | Mortgage Strategist

Sage Home Lending + VA Mortgage Strategist
808-228-5230 [email protected]

NMLS #262451

Company NMLS #2558396

Office

RENO
100 N Arlington Ave Ste 200D
Reno, NV 89501

The information provided on this website is for general informational purposes only and is not intended as financial or legal advice. Loan terms and conditions are subject to change based on market conditions, borrower eligibility, and lender guidelines. All loan programs are subject to credit approval and property appraisal. Rates, fees, and terms may vary based on individual borrower qualifications. Not all applicants will qualify for the lowest rates. This is not a commitment to lend. Please consult with a licensed mortgage professional for personalized advice and the most current loan options available. Equal Housing Lender.