Guerrilla Home Loans

20/09/2025

We were proud to be the Presenting Sponsor at the VAREP Louisville, KY Chapter Gala for the third consecutive year.

Our all veteran team traveled from all over the country to attend this event along with hundreds of other veterans, patriots, and real estate professionals to raised funds for a great cause!

13/09/2025

Estimate your monthly mortgage payments with ease. Use our free mortgage calculators to plan your budget, compare loan options, and understand how much home you can afford. Powered by SL Guerrilla Home Loans—helping you make informed financial decisions.

12/09/2025

12/09/2025

Veterans, it’s time to make that dream a reality.

With a VA One-Time Close Construction Loan, you can finance your land purchase, construction, and mortgage—all with one closing, no down payment, and locked-in low rates that convert when construction is complete.

Say goodbye to double closings, extra fees, and paper overload. At Guerrilla Home Loans, we do it all—land, build, mortgage—under one roof. Our experienced team supports you from application to move-in.

11/09/2025

06/09/2025

I’m so excited to announce that I’m now licensed to originate loans in Mississippi!

I’ve been getting calls from veterans and builders in MS for years asking me to help, and now those construction loans will go directly through me and have a much smoother process.

06/09/2025

🏡 Sometimes, Buying is Better than Building

Back in January 2023, this family first called Sal looking for an FHA One-Time Close Construction Loan.

Since then, they’ve been through challenge after challenge. Eventually, they found the builder they thought was perfect to bring their vision to life, and recently contacted us again for some help.

Keeping a long story short, here’s what happened;
👉 Their builder’s preferred lender couldn’t close the loan
👉 We rebuilt the file and were ready to close, but the builder refused to provide final documents
👉 Eventually, the builder backed out, leaving the family back at square one

Instead of giving up, they shifted gears. They found a beautiful existing home listed for sale, and they fell in love with it.

Here’s how we made it work:
✅ Structured the purchase with a zero-interest forgivable down payment assistance since their cash was tied up in land prep
✅ Their realtor (Dominick Konsulis) did an incredible job selling their lot before closing
✅ Since they profited from the sale of their land, we removed the down payment assistance and lowered their interest rate right before locking their loan.

Now? They’re finally in the home they wanted, and they didn’t have to wait another year for it to be built.

That’s the power of staying flexible, having the right team, and never giving up.

⸻

📲 If you’ve been told “no,” or your builder/lender couldn’t get it done, reach out. Sometimes the best solution isn’t the one you expected.

Sal Zagami
VP of Construction Lending at Supreme Lending
Branch Manager of Guerrilla Home Loans
NMLS 2055042

05/09/2025

If you have a VA loan with a rate in the 6s or 7s, now might be the time to apply for a streamline rate reduction.
Some SWEET locks today!

01/09/2025

There are many ways to serve.
Whether you’re building, repairing, protecting, teaching, producing, raising, growing, or even selling… whatever your contribution to society may be… THANK YOU for the work you do!

29/08/2025

🇺🇸 ANOTHER VA One Time Close Breaking Ground in Texas!

This veteran family came to me in late June after trying to get a VA One-Time Close Construction Loan through a mortgage broker.

Here’s the problem with brokers and construction loans:
👉 They rely on multiple third-party vendors.
👉 That means more overlays, more costs, and way more headaches than necessary.

In this case?
• The broker was requesting excessive builder documents
• And refusing to provide any upfront funds to start the build

That’s a recipe for frustration.

At Guerrilla Home Loans and Supreme Lending, we do things differently:
✅ We keep the entire process under one roof
✅ Our team handles the tough stuff behind the scenes so borrowers and builders never feel the pain
✅ And we give builders up to 20% of construction costs upfront once permits are in place so the build starts on time and stays on schedule.

Both the borrowers and the builder were true professionals, which made this a smooth deal.

Now CareTex Custom Homes is officially breaking ground on their forever home, and it’s going to be AMAZING when It’s finished!

That’s how it should be done.

📲 If you’re a veteran thinking about building, don’t let bad info or broken processes hold you back. DM me today and let’s make your plans a reality.

Sal Zagami
VP of Construction Lending at Supreme Lending
Branch Manager of Guerrilla Home Loans
NMLS 2055042
502-443-5350
[email protected]

Sal Zagami is a trusted mortgage loan officer and VP of Construction Lending specializing in construction and renovation loans, Sal provides tailored mortgage solutions for homebuyers, builders, and developers. NMLS #2055042.

27/08/2025

🚨 Not Your Average Home Loan 🚨

One of the things we’re well known for is financing barndominium builds with our One-Time Close VA & FHA Construction Loans.

But what doesn’t get as much attention?
👉 All the unique purchases and refinances we handle every day for borrowers with homes and circumstances other lenders won’t touch.

Take this one in Florida:
• A first-time buyer, just starting his career as a fireman
• A small, minimalist barndominium that other lenders refused to finance
• A direct sale from his parents with no realtor involved

Most lenders would have said “no.”

But the sellers found Sal Zagami online, looking for someone who could understand and work through their unique situation.

Here’s what we did:
✅ Helped both buyer and seller navigate every step of the process
✅ Explained the property to the appraiser so it was valued properly
✅ Educated underwriters on why a fireman’s contractually obligated overtime counts as income immediately (even without two years’ work history)

In the end, it all came together. The buyer got his first home. The sellers got exactly what they’d hoped for. And a hero fireman got his start as a homeowner.

That’s what we do at Guerrilla Home Loans. We don’t just close the “easy” deals.
We specialize in the ones that matter most.

⸻

📲 Thinking about building or buying a unique home? DM me anytime.
We’ll figure it out together.

Sal Zagami
VP of Construction Lending | Supreme Lending
Branch Manager | Guerrilla Home Loans
NMLS 2055042
502-443-5350
[email protected]

27/08/2025

Oh emm gee!