Serving Those Who Served:

Your Veteran Homeownership Hub

Everything you need—from home search to VA loan experts—right here

Check Your VA Loan Benefits

Schedule a Free Veteran Home Strategy Call

Check Your VA Loan Benefits

Schedule a Free Veteran Home Strategy Call

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Active Duty / Recently Separated

Veteran / Retired

Spouse / Surviving Partner

Chloe Allec

Your Veteran Specialist

MAIL: [email protected]
PHONE: (435)994-2125
CALENDAR: SCHEDULE A TIME WITH ME

Search Homes Using Your VA Benefit

„What I Bring to You"

With a fresh perspective and an unwavering commitment, I bring fresh energy and an unparalleled dedication to serving all of Southern California. Specializing in first-time homebuyers and move-up buyers located in the Temecula Valley - I pride myself on providing personalized, professional service that makes your real estate journey as seamless as possible.

With a passion for connecting people to the perfect home, I use innovative marketing strategies - including a dynamic Instagram presence - to showcase properties in a way that resonates with modern buyers. My business isn’t just about homes; it’s about telling a story and creating meaningful connections.

„Why I Serve Veterans“

Whether you're taking your first step toward homeownership or searching for a dream upgrade, I’m here to guide you every step of the way. Let’s turn your real estate goals into reality.

My grandparents both proudly served in the Navy, and they carried those values of discipline, sacrifice, and service with them throughout their lives. Their example shaped who I am today. When I lost them, I felt a strong pull to honor their legacy in a way that continues serving others. One of my biggest regrets in life is not getting to know their story better. One of the things I know best about them is how willing they were to give back to their community. They participated in their local Veteran’s Association, volunteered in hospitals and animal shelters, and even took people in need into their home until they got back on their feet. I hope to be just part of who they were- which is why I would like to help all veterans achieve their full potential.
As a Realtor, I realized I could do that by dedicating my business to helping military families achieve the dream of homeownership. I know the challenges veterans and active-duty members face when it comes to navigating the real estate market, and I want to be the kind of guide who not only understands their unique benefits but truly appreciates the sacrifice behind them.

„How we work together“

That’s why I focus my business on VA buyers. It’s why I partner with lenders offering the Hero Homebuyer Credit—so veterans can save thousands on closing costs. For me, this isn’t just about real estate. It’s about carrying forward my grandparents’ legacy of service and giving back to those who have already given so much.

Who are we?

We are a division of American Financial Network, which is one of the largest lenders nationwide. Loan origination, processing, underwriting, and funding is all done in house which allows us to close quickly and on time.

Our Mission

We are dedicated to financing the American Dream of Homeownership and giving back to those who give so much to our communities.

Kevin McRae

Loan officer

For more than 30 years, Kevin McRae has built a reputation as a trusted, knowledgeable, and client‑focused loan officer. Known for his steady guidance and deep industry insight. Kevin has helped thousands of borrowers navigate the lending process with clarity and confidence. His work is grounded in personalized service, transparent communication, and a commitment to finding the right loan solution for every client.

Kevin’s extensive experience spans conventional, FHA, VA, jumbo, and specialty loan products, allowing him to tailor financing strategies to a wide range of financial goals. Whether assisting first‑time homebuyers, seasoned investors, or families refinancing for a better future, he approaches every scenario with precision and care.

Clients value Kevin not only for his technical expertise but also for his calm, supportive approach. He takes pride in making the process smooth from application to closing.

Jessica McRae

Loan Officer & Marketing Manager

Jessica McRae is a dedicated loan officer and the marketing manager for the Hero Homebuyer Credit, where she helps homebuyers access meaningful savings and navigate the lending process with confidence. She is known for her clear communication, client‑first approach, and passion for serving community heroes—including teachers, first responders, medical professionals, and veterans. Jessica’s work centers on making homeownership more accessible, more affordable, and far less stressful

What Is a VA Home Loan?

VA Home Loans are exclusive benefits designed to help Veterans, active-duty service members, and eligible
spouses achieve homeownership with confidence — offering lower rates, no down payment, and expert guidance every step of the way.

Learn More About VA Loan Benefits

No Down Payment Required

VA loans allow you to purchase a home with zero down payment, helping you start your homeownership journey without the usual financial barrier.

Easier Qualification & Lower Rates

Backed by the Department of Veterans Affairs, VA loans offer competitive interest rates and flexible credit requirements, making it easier to qualify.

Built for Veterans and Their Families

This program exists to honor your service — giving you access to exclusive benefits and support from experts who understand your unique needs.

VA loans allow you to purchase a home with zero down payment, helping you start your homeownership journey without the usual financial barrier.

Backed by the Department of Veterans Affairs, VA loans offer competitive interest rates and flexible credit requirements, making it easier to qualify.

This program exists to honor your service — giving you access to exclusive benefits and support from experts who understand your unique needs.

Hero Homebuyer Program

The Hero Homebuyer Credit is designed to help everyday heroes purchase or refinance a home by offering up to $30,000 toward closing costs and buyer-related expenses. The funds do not require repayment, do not increase the interest rate, and are not added to the loan amount or monthly payment.

Eligibility is based on current or previous employment and is available to a wide range of heroes, including law enforcement, fire protection, military, healthcare, education, public employees, union members, and city, county, state, or federal workers, among others.

There are no income restrictions, and the program is not limited to first-time homebuyers. It may be used for primary residences, second homes, investment properties, and up to 4-unit buildings. While this is not a down payment assistance program, it can cover title, escrow, underwriting, processing, funding, loan documents, notary, and other eligible closing costs.

We offer FHA, VA, Conventional, and USDA financing, with no additional steps or delays in the loan process, and no impact on Realtor commissions.

Watch Program Overview

VA Home Loan Guides & Insights

Learn everything you need to know about using your VA benefits — from qualification tips and loan advantages to real stories from Veterans who’ve achieved homeownership.

VA Loans

Hear From
Those Who Served

"My wife and I had previously been in the hunt for a real estate property and went through 3 different agents that had been given to us. We found Rory at an open house and everything after that seemed seamless. He made us feel super comfortable with the process and his level of communication was awesome. Everything about the transaction was spectacular and I would recommend Rory to everyone I know."

"Rory Ellis is an Exceptional Realtor. He listened to our concerns and gave us his professional opinions which were always spot on and at the same time he always respected our desires relating to the listing. Rory is very professional and personable with everything related to the transactions. He kept in touch with us in every aspect from start to finish. Rory made the sale of our house easy for us because he always updated us with any information that came to him and was responsive to our questi…

VA Home Loan Resources

Explore key tools and information to help you make the most of your VA benefits — from understanding eligibility and benefits to finding trusted lenders and helpful guides.

Discover who qualifies for a VA loan, including active-duty members, Veterans, and eligible spouses — and what documents you’ll need to get started.

Eligibility & Documents

From zero down payment and no PMI to lower rates and flexible credit requirements — see how VA loans make homeownership more achievable.

Benefits & Advantages

Meet our network of VA-approved lenders who specialize in helping Veterans secure the best financing options with confidence.

Trusted Veteran-Lenders

Access calculators, program guides, and educational resources to simplify your VA home loan journey every step of the way.

Tools & Helpful Links