EXPERT HOME LOAN SERVICES FOR VETERANS & MILITARY FAMILIES
Unlock Your Legacy
Legacy Lending (powered by Still Waters Lending) is a full-service mortgage company. While we offer a comprehensive range of mortgage products, we specialize in VA home loans.
Apply now or fill out our quick form and we’ll follow up with you immediately.
Want to talk with us directly? Call us at 817-660-7637
Unlock thousands of dollars in savings with a
VA Interest Rate Reduction Refinance Loan
(VA IRRRL)
IMAGINE THIS:
You’re ready to refinance your home and take advantage of lower interest rates. You reach out to Legacy Lending, and from the very beginning, we’re right by your side. No endless paperwork, no confusing jargon. You have a partner with years of experience who truly understands the unique experiences you face.
We guide you through the VA IRRRL process, making sure you are informed and feel confident at every step.
In just a matter of weeks, you’ve successfully refinanced. Your monthly payments are lower, and over the life of your loan, you’re saving thousands of dollars.
The best part? You didn’t have to worry about out-of-pocket costs or an appraisal. The process was smooth, fast, and easy. The way refinancing should be.
Now, you can focus on what truly matters: securing your financial future and unlocking your legacy with confidence and peace of mind.
Meet Team Legacy
Ché Oh, Founder & Mortgage Broker Advisor
NMLS 1415530
Ché Oh (pronounced like “Shay”) founded Legacy Lending with one goal in mind:
to make the VA loan process easier and more accessible for veterans and military families. As a military spouse, Ché understands the unique challenges that come with navigating homeownership while serving. She saw how complex and overwhelming the mortgage process can be for veterans, and she wanted to create a service that truly supports their needs.
With nearly a decade of experience as a Mortgage Broker Advisor, (NMLS#1415530) Ché brings both expertise and empathy to every client relationship. Her deep knowledge of the mortgage industry, especially when it comes to VA loans, allows her to offer personalized solutions that help veterans make informed decisions about their financial future.
Partnering with Ché means more than just working with a knowledgeable advisor, it’s about having someone who truly cares about you and your legacy.
Chelsea Lopez, Production Manager
Chelsea brings a unique blend of passion, expertise, and empathy to Legacy Lending. With a background as a licensed pharmacist, Chelsea’s journey into the mortgage industry began when she and her spouse, a U.S. Army veteran, refinanced their home with Legacy Lending. That experience sparked her passion for helping military families and veterans navigate the mortgage process.
Chelsea’s hands-on approach ensures her clients feel informed and empowered every step of the way. She understands that refinancing can be one of the biggest financial decisions, and she works hard to build trust through the process with clarity and care. Whether it’s answering questions, explaining options, or offering personalized solutions, she’s committed to bringing the same Legacy Lending service that made the difference with her family.