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.
CONTACT ME TODAY
Jimmy Vercellino, then as a Marine and now as a VA Loan Specialist
Jimmy

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

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
Long-Term Considerations When Buying a Home
October 28th, 2019Tips

Long-Term Considerations When Buying a Home

A house is a long-term investment that pays off over time.

Your home purchase needs to allow you to create an environment where you are comfortable for years to come.

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By Jimmy Vercellino
Practical Tips on Getting Approved for a VA Home Loan
September 29th, 2019Tips

Practical Tips on Getting Approved for a VA Home Loan

Below are some tips to help you get started with a VA home loan. Working with a loan specialist is your best bet for getting approved.

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By Jimmy Vercellino
Smart Ways to Use a Home Equity Loan
August 20th, 2019Finances

Smart Ways to Use a Home Equity Loan

Applying for a home equity loan is an option that can help you cover the cost of repairs. These are a few of the smartest ways to use a home equity loan to your advantage.

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By Jimmy Vercellino
Understanding VA Lender Overlays
July 21st, 2019Finances

Understanding VA Lender Overlays

Understanding how to meet these additional guidelines helps you to make a plan that demonstrates that you are an ideal candidate for receiving a home loan.

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By Jimmy Vercellino
Benefits of VA Loans for Surviving Spouses
June 28th, 2019Benefits

Benefits of VA Loans for Surviving Spouses

While the loss is difficult for families, the U.S. government does provide benefits, such as VA loans for surviving spouses, that can help you to move forward with your life.

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By Jimmy Vercellino