On-Time Closer
Selected by 19 verified agents
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Helping veterans lower payments, use equity wisely, and time refinances with clarity
Licensed in 5 states
FLGAALSCTN
Verified VA specialistDemo profile
Marcus Lee
IRRRL & Cash-Out Refinance Specialist
Veterans United Partners · Tampa Bay, Florida
IRRRLCash-Out RefinanceRate LocksVA Purchase
8 yrsYears of experience
3 yrsAt current office
21 daysAverage time to close
142VA loans closed
Top skills real estate partners rely on
ABOUT & CREDENTIALS
Built around irrrl work
Marcus focuses on refinances and payment-optimization conversations for veterans who need a specialist that can explain the numbers without burying the client in jargon.
His profile shows how he handles timing, rate locks, IRRRL questions, refinance strategy, and partner communication when clients need confidence fast.
Primary marketsTampa · St. Petersburg · Clearwater
Licensed statesFL · GA · AL · SC · TX
VA specialtiesIRRRL · Cash-out · Rate strategy · Purchase
AvailabilityEvening consults for active-duty schedules
WORKING STANDARD
How Marcus works
Specific operating standards give an agent more information than another promise of “great service.”
Numbers before opinions
Marcus reviews the payoff, recapture horizon, cash-out goals, and funding-fee implications before he recommends a refinance path.
Realtor takeawayThe borrower gets a recommendation, not a shrug.Rate strategy with context
He explains what to lock, what to watch, and how he balances urgency with borrower comfort when rates are moving.
Realtor takeawayAgents hear a clear plan they can reinforce.Concise milestone updates
Marcus keeps the borrower and referring partner current without burying them in lender jargon or status-noise.
Realtor takeawayThe refinance stays easy to track.SKILLS
Marcus’s top skills
Skills shown here are selected by verified real estate partners—not written by the loan officer.
19On-Time Closer
17Strong Offer Support
16IRRRL Expertise
14Accurate Numbers
12Loan Scenario Clarity
PERFORMANCE METRICS
Production & market footprint
VA Lender Guide compiles this production and market snapshot from public records so agents can gauge Marcus’s VA experience at a glance.
Performance metrics · public-record snapshotPoint-in-time snapshot · not updated in real time
Production
22VA purchase units
$8.4MVA purchase volume
38%VA concentration
61%Purchase business
Market footprint
- Top three countiesHillsborough · Pinellas · Pasco
- Top three metro areasTampa · St. Petersburg · Clearwater
- Active licensed states5 states
- Production consistencyActive & consistent
Professional network
- Matched agent relationships24
- Repeat agent partners11
- Match accuracyHigh
Career & licensing
- NMLS ID1663540
- Company & branchVeterans United Partners · Tampa Bay
- Years licensed8 years
- Time at current employer3 years
LENDER PLAYBOOKS
How Marcus thinks
Short plays let agents evaluate Marcus’s judgment before they ever schedule a call.
IRRRL
When an IRRRL actually makes sense for a borrower
Marcus explains payment recapture, timing, and how he frames an IRRRL conversation with both the client and referring agent.
6-minute read · Updated July 2026 Cash-OutHow I keep a VA cash-out refinance from becoming a “maybe later” file
A look at documentation, equity expectations, and the conversations Marcus has before he locks the loan.
4-minute read Rate strategyWhat I tell clients when they ask if they should wait for rates
How Marcus balances urgency, affordability, and market uncertainty without overpromising.
5-minute readIN THEIR OWN WORDS
What real estate partners say
Written reviews pair qualitative context with the specific Trust Tags the reviewer selected.
1:08
VIDEO REVIEW
“Marcus made a refinance feel organized instead of stressful.”
Elise Morgan · Buyer’s Agent
“Marcus was precise and calm. My client needed a refinance quickly, and he laid out the numbers in a way that made everyone comfortable moving forward.”
“He understands when a refinance is actually the right move—and when it is not. That honesty makes him very easy to recommend.”
CLOSING STORY
A transaction that shows the work
IRRRL refinance · 21-day close
The situation
A veteran homeowner wanted to lower his payment before a family PCS but also needed straightforward advice on whether a refinance was worth the hassle.
The challenge
The client had strong goals but limited patience for vague answers or moving-target timelines.
The response
Marcus compared the options, modeled payment outcomes, documented the best path quickly, and kept the timeline tight from lock through closing.
The proof
Closed in 21 days. Agent-selected tags: Accurate Numbers, On-Time Closer, Highly Referable.
Where Marcus shows up online
Follow Marcus’s VA education content and connect on the platforms Marcus uses most.