From Marine to
VA Loan Specialist
Jimmy Vercellino

I'm here to help you get your dream home.
Click below to start the VA Loan application process.

Arizona VA Loan Specialist

Serving Veterans NATIONWIDE.

My Mission - To provide and assist all veterans and active duty military with ALL of their VA Home Loan Financing Needs!

  • Get a VA Loan.
  • I am here to help you achieve home ownership.
  • Call Me At 602-908-5849.
Jimmy Vercellino, then as a Marine and now as a VA Loan Specialist

VIDEO: Jimmy Vercellino talks about VA loans on Good Morning Arizona.

  • VA Loan misconceptions.
  • Upcoming legislation changes to 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

How Do I Obtain a VA Home Loan?

1 - Select a Home

You select a Home and discuss the purchase with the seller or selling agent. Sign a purchase contract conditioned on approval of your VA home loan

2 - Select a lender

You select a lender and present them with your Certificate of Eligibility and complete a loan application

3 - Credit Report & Appraisal

The lender will develop all credit and income information. They will also request VA to assign a licensed appraiser to determine the reasonable value for the property. A Certificate of Reasonable Value will be issued. Note: You may be required to pay for the credit report and appraisal unless the seller agrees to pay.

4 - Approval

The lender will let you know the decision on the loan. You should be approved if the established value and your credit and income are acceptable

5 - Closing

You (and spouse) attend the loan closing. The lender or closing attorney will explain the loan terms and requirements as well as where and how to make the monthly payments. Sign the note, mortgage, and other related papers.

6 - Done

The loan is sent to VA for guaranty. Your Certificate of Eligibility is annotated to reflect the use of entitlement and returned to you.

Can I Get a VA Loan after Bankruptcy?

Recent Blog Posts

Couple talking to a VA loan specialist about home down payment
March 24th, 2020Tips

Ways to Save for a Down Payment on a Home

Use the following ideas to save for a down payment quickly and with minimal stress. In addition, to talking to a loan specialist can make home-buying stress free.

Use the following ideas to save for a down payment quickly and with minimal stress. In addition, to talking to a loan specialist can make home-buying stress free.

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By Jimmy Vercellino
Signing document for VA Loan application
February 11th, 2020Requirements

How Long Does It Take to Get VA Loan Approval?

There are many processes to consider when applying for a VA Loan. To make the process easy, contact the Vercellino Team.

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By Jimmy Vercellino
New homebuyers moving into their home
February 5th, 2020Tips

Mistakes to Avoid When Buying a House with Your VA Loan

Buying a new home is a long term investment. Choose a house that will fit your lifestyle for years to come.

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By Jimmy Vercellino
Couple wondering how many times can they use VA loan
December 19th, 2019Tips

How Many Times Can I Use My VA Loan?

Home loans for veterans provide lifelong benefits. This means that you can reapply for this type of loan whenever you have some or all of your entitlement available and are ready to buy a new home.

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By Jimmy Vercellino
home renovation task - plumbing
November 26th, 2019Tips

Weekend Home Maintenance Tasks

A VA Refinance Loan is an option that can help you fund major home renovations so that you preserve your property’s value.

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By Jimmy Vercellino
Vietnam Veterans Welcome Home!
October 29th, 2019Misc

Welcome Home Vietnam Veterans Celebration

To honor Vietnam veterans, who often did not receive a hero’s welcome when returning home, Jimmy Vercellino and his team are recreating the welcome home experience they deserved.

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By Jimmy Vercellino