From Marine to
VA Loan Specialist
Jimmy Vercellino

Start Your VA Home Journey

VA Home Loan Specialist

Serving Veterans NATIONWIDE.

My mission is to provide and assist all veterans and active-duty military with all their VA Home Loan financing needs.

  • Choose your family’s dream home
  • Partner alongside a trusted advisor
  • I’ll walk with you through the home loan process
Jimmy Vercellino, then as a Marine and now as a VA Loan Specialist
Jimmy Vercellino giving interview on the Good Morning Arizona TV show

Jimmy Vercellino talks about VA Home Loans on Good Morning Arizona

  • VA Loan misconceptions
  • New legislation for VA Loans
  • Why it's important to speak with a VA Loans Specialist

Frequently Asked Questions

What is a VA Home Loan?

VA guaranteed loans are made by private lenders, such as banks, savings & loans, or mortgage companies to eligible veterans for the purchase of a home which must be for their own personal occupancy. The guaranty means the lender is protected against loss if you or a later owner fail to repay the loan. The guaranty replaces the protection the lender normally receives by requiring a down payment.

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What Types of VA Loans Are Available?

Whether you are looking for a first mortgage, adding a second mortgage or trying to refinance an existing mortgage, it is helpful to understand more about the general loan classifications and types of VA loans available to you. Mortgage loans are categorized as either fixed rate mortgages (FRM), adjustable rate mortgages (ARM) or some combination (hybrid) of the two.

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Can I Refinance a VA Loan?

Some worry that refinancing takes too much time and money, but fortunately the process is simple. Refinancing is simply the process of paying of your existing loan with a new one. Your new loan could be for a better interest rate, a shorter/longer term, or a different amount. In fact, your new loan could be an entirely different type. For example, instead of an adjustable-rate mortgage you could opt for a fixed-rate mortgage.

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6 Simple Steps

The VA Home Loan Journey

With a VA Home Loan Specialist, the process just got easier!

1 - Partner with a Trusted Lender
2 - Find Your Dream Home
3 - Order a VA Appraiser
4 - Receive a Loan Approval
5 - Celebrate the Loan Closing

Frequently Asked Questions

Customer Reviews

Recent Blog Posts

November 18th, 2022Finances

Is a VA Loan Still a Good Option in a Bad Economy?

Are you considering applying for a loan to buy a home during a recession? The economy's ups and downs can significantly impact whether individuals decide to move forward with applying for a loan and taking on a home mortgage. In uncertain times, it is hard to know what may be the best decision.

If you're an active-duty service member, veteran, or surviving spouse, you may wonder if a VA loan is still good in a recession. Is it the best option for a lower interest rate mortgage? This article will provide you with the information you need to make a decision about whether this type of loan is best for you, your family, and your financial future.

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By Jimmy Vercellino
October 12th, 2022Requirements

VA Residual Income Chart and Guidelines

If you are considering buying a home and are interested in applying for a VA loan, you may wonder whether you will qualify. It is essential to understand the different factors that may affect your eligibility. While your financial history and FICO credit scores will undoubtedly be a part of those under review, another piece of your financial situation considered is your residual income.

The VA residual income chart will assist you with determining how much assistance for which you may qualify.

Let’s take a deeper look at what residual income is so that you can have a clear understanding when reviewing the income chart. Then we’ll review how we as lenders take this information into account when working to help you secure the VA loan you need. We hope these residual income guidelines will give you more confidence as you walk through the application process.

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By Jimmy Vercellino
September 27th, 2022Requirements

VA Loan Income Requirements: Your Complete Guide To Getting A VA Home Loan

As a United States military member, you deserve a peaceful place to call home. But for many service members, navigating the ins and outs of the VA home loan qualification process can be a stressful experience. This is especially true when it comes to understanding VA loan income requirements, which can have a drastic impact on your ability to buy a home.

Thankfully, you don’t have to take on the application process alone. At VA Loans for Vets, we’re committed to helping both active duty and retired military members qualify for a VA loan, even if you’re not sure where to start.

Here’s everything you need to know about the VA loan income requirements…

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By Jimmy Vercellino
September 20th, 2022Requirements

VA Loan Spouse Requirements: Your Questions, Answered.

VA loans still come with their own set of eligibility requirements. Especially if you’re the spouse of a veteran or a military member looking to add your significant other to the purchase loan.

That’s why we’re to answer the most commonly asked questions about VA loan spouse requirements, so that you and your family can get the most out of your next home purchase.

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By Jimmy Vercellino
August 16th, 2022Requirements

Everything You Need To Know About VA Loan Occupancy Requirements

To honor those who provide military service, VA lenders provide specialized home loans designed with our service members in mind, including reduced down payment options and streamlined loan processing.

One of the most complex and often confusing aspects of purchasing a home with a VA loan is the occupancy requirement, which states that individuals receiving a loan must use the property as their primary residence.

Today, we’re breaking down everything you need to VA loan occupancy requirements so that you can confidently start the loan application process.

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By Jimmy Vercellino