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.

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

April 25th, 2021Types of VA Loans

The VA Loan Cash out Refinance: What you need to know

The VA Cast Out Refinance allows a Veteran to go up to 90% of your home's appraised value with no private mortgage insurance. There is literally no other product on the market place that will allow a homeowner to do such a thing.

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By Jimmy Vercellino
March 22nd, 2021Tips

Could Rent Reporting Boost Your Credit Score?

Rent payments are not typically reported to the credit bureaus automatically. You need to take a few steps to make it happen.

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By Jimmy Vercellino
February 15th, 2021Tips

How to Determine If It’s Time to Refinance

Most people begin to explore the possibility of refinancing when mortgage rates start to fall. You may also decide to refinance if your income or credit score changes.

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By Jimmy Vercellino
January 26th, 2021Requirements

VA Loan Occupancy Guidelines

VA loan privileges come with a few caveats. Communicate changes or special needs to stay in compliance with the occupancy certification.

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By Jimmy Vercellino
December 15th, 2020Tips

Is it Safe to Co-Sign a Mortgage Loan?

Being asked to be a co-signer is both an honor and a potential concern. Figuring out whether it is safe to co-sign a mortgage loan is easier when you ask yourself these questions.

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By Jimmy Vercellino
November 28th, 2020Tips

The Benefits of Paying Off Your VA Loan Early

Using your military status and experience to get the best interest rates on a home loan already puts you one step ahead. Making plans to pay off the loan early is another smart move.

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By Jimmy Vercellino