About Us

Our Roots

After working for five years in the mortgage industry, Low VA Rates president Eric Kandell saw an opportunity to provide better rates—and loans in general—to the military community. He launched the company in 2005 to pursue this vision of working specifically with veterans and VA loans. 

Just four years later, loan officers currently working for Low VA Rates started appearing in the Scotsman Guide as top-ranked national VA loan officers, a major achievement for such a young mortgage business.

Among our loan officers who have been nationally ranked multiple times is Russell Murphy, Branch Manager at our Texas location. With nearly 20 years of experience as a loan officer and a dedication to his work, it's no surprise that his expertise has been recognized on the national stage.

Why spend ten years doing loans? Russell says he loves examining each veteran's unique situation and helping them find the information they need to make a good decision. He wishes there were more time in the day for everything he wants to do!

Since being founded, Low VA Rates has accumulated more great employees like Russ—over 300, in fact—and grown into a nationwide company offering VA loans in 48 states.

With billions of dollars of VA loans under our belt, a strong culture of military appreciation, and some of the best VA loan officers in the nation, we know how to help provide veterans with low rates and a superior loan experience. 

Our Military Values

We know that as a veteran, servicemember, or member of a military family, you are part of a specific culture that includes values such as loyalty and honesty.

With some members of our team having served and many more with close family members who served or are serving, we strive to keep military values at the core of our company. 

This is why we're proud to participate in the veteran community outside of the loan world. We award annual veteran scholarships, hold charity golf tournaments benefiting veteran organizations, sponsor a giant patriotic flag flying in one of Utah's gorgeous canyons, and do service projects for the veteran community. 

As the Low VA Rates family, we deeply appreciate the sacrifices our veterans have made to preserve our freedoms and make our business possible. We want to give back to you in our small way, which is why we work hard to get you the VA home loans and mortgage rates that will help your dreams of homeownership become a reality.

Meet Our VA Loan Staff

Low VA Rates is a leader in the mortgage industry and we focus our efforts primarily on assisting all eligible Veterans and active duty service members with their VA home loan needs.








Las Vegas


Elevate Mortgage Group

Elevate Mortgage Group


Texas Branch


Russell MurphyMy family has served

Russell Murphy


Licensed VA Loan Officers

Jaren AhlmannMy family has served

Jared Ganacias

Jack Squier

Jack Squier

Warren BellMy family has served

Warren Bell

Todd Bristol

Todd Bristol


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