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

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
August 2nd, 2022Misc

VA Loan Affordability Calculator: How Much House Can You Afford?

Buying a home can be an exciting, yet overwhelming time for veterans, active duty service members, and civilians alike.

This process becomes even more stressful when potential home buyers begin looking at homes without having an estimate on the loan amount that they may be approved for, often leading to frustration and disappointment.

Before you begin looking at houses, it’s important to use a VA loan calculator to determine how much house you can afford, so that you can start working towards financial goals with total clarity.

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By Jimmy Vercellino
July 22nd, 2022Requirements

What are the VA Home Inspection Requirements?

The Department of Veterans Affairs, like other federal agencies that back home loans, does not have an inspection requirement for their loans. However, they do require a home loan appraisal, and minimum property requirements, before approving a loan.

Here is what you need to know about appraisals, minimum property requirements, and why it’s still a good idea to have the traditional home inspection before buying a house.

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By Jimmy Vercellino
July 8th, 2022Misc

Do VA Loans Require a Down Payment?

The Department of Veterans Affairs (VA) provides benefits to active duty service members and veterans of the armed forces. One of the many benefits is providing a home loan guarantee, which makes homeownership more accessible to men and women in uniform.

Eliminating the need for a down payment allows armed forces members to provide stable housing for their families, sometimes at a lower cost than renting a smaller residence.

Read on to learn more about VA loans, their benefits, and how they work.

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By Jimmy Vercellino
June 8th, 2022Misc

Do VA Loans Have PMI?

Private mortgage insurance (PMI) can be a hurdle for your family to close on your dream home.

The great news is that the Department of Veterans Affairs (VA) makes it easier by paying for mortgage insurance in full.

We want to tell you more about how the VA Loan handles PMI so you can have confidence in moving forward on an affordable loan option.

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By Jimmy Vercellino