VA Mortgage Lenders in Arizona

Looking for VA Mortgage Lenders in Arizona?

Then look no further because you have found the right guy. Jimmy Vercellino is a Marine Corps Veteran and Mortgage Originator Specializing in VA Loans with Goldwater Bank in Phoenix AZ.

What Veterans must understand is that just because VA Mortgage Lenders in Arizona tell them something about their VA Home Loan does not necessarily mean it’s the truth. Time and time again Jimmy Vercellino has educated Veterans and Real Estate Professionals alike with respect to the VA Home Loan process making it his primary focus to devote his mortgage practice to the Veteran and Active Duty Military Home buyer.

Jimmy recently sat down with Tiffany Hunter, Host of the AZ Home Hunter to discuss VA Home Loans. Click on the YouTube video below to check it out for yourself.



If you are a Veteran, and are looking for VA Mortgage Lenders in Arizona then look no further. Jimmy Vercellino will ensure that you are taken care of from start to finish and will ensure that he will treat your VA Loan as if it were his very own. For more information or to apply for you VA Loan simply click on the APPLY button or you can always email me at



VA Loan Rates in AZ

What are VA Loan Rates in AZ?

The VA Loan has some of the most competitive interest rates (if not the most) on the market today. What makes a VA Loan great is that a Veteran may be able to purchase a home anywhere in Maricopa County up to $417,000 with no down payment.

Having said that, one of the most common questions that I get from Veterans that inquire about VA Rates is as  follows… “Does the VA determine the interest rate or does it vary from lender to lender ?” Simple answer: VA does not determine the Interest Rate on a VA Loan.

The truth is that different lenders will have varying interest rates on their VA Home Loans. This also rings true when Veterans are looking to get a quote for VA Loan Rates in AZ.

So how does a Veteran get a rate quote on a VA Loan? It’s simple, you must apply for a VA Loan, and allow the lender to review your credit score which in-turn will allow the lender to give you a rate quote.

Many lenders can give you a hypothetical interest rate quote, however until they have reviewed your loan scenario in it’s entirety that rate quote could possibly be inaccurate causing the Veteran to incorrectly  budget for his upcoming home purchase (which we all know is never a good thing).

By now you might be asking the following question… “So what determines my VA Loan Interest Rate then?” Honestly, it’s quite simple and really applies to all loan types and not just VA Loans. The single greatest impact that you can have on your VA Loan Interest Rate is having a strong credit score. Think of it this way…The better your credit score, the better your VA Loan Rate will be.

To discuss current VA Loan Rates in AZ, feel free to roger up with me at or you can call me direct at 602-908-5849


Jimmy Vercellino is a United States Marine Corps Veteran and Mortgage Originator Specializing in VA Loans. In 2013 Jimmy and his team were fortunate to serve over 60 Veterans and their families with all of their VA Home Financing needs resulting in over $14,000,000 of  VA Loans originated and closed.




VA Lender in Arizona

Looking for a VA Lender in Arizona?

If you’re a Veteran and currently live, or plan on moving to Arizona and would like to purchase a house you might be looking for a VA Lender. However the real question is –who do I use and who can I trust? There are plently of lenders in Arizona who orginate VA Loans. However, what we have found is that very few actually specialize in VA Loans and have devoted their mortgage practice to the Veteran and Active Duty Military Homebuyer.

Veterans seeking a VA Lender in Arizona should always ask the following questions when seeking financing from a VA Lender.

  • How long does it take your company to close on a VA Loan? If more than 30 days this could make your offer less competitive.
  • Are you a direct endorsed VA Lender? This allows your lender to decision your loan file  upfront and not send your loan to VA to be underwritten saving you precious time.
  • What are the fees you charge in conjunction with the VA Loan? Do they seem on the high side?
  • How familiar are you with VA Loans? If the lender cannot confidently answer your questions quickly you may want to reconsider working with them.

For more information and questions about finding a VA Lender in Arizona feel free to contact us directly at or direct at 602-908-5849.



Jimmy Vercellino is a United States Marine Corps Veteran and Mortgage Originator Specializing in VA Loans. His mission is simple–To provide and assist Veterans and Active Duty Servicemembers, regardless of service, with all of their VA Financing needs.

Last year Jimmy and his team were fortuante enough to serve over 65 Veterans and Active Duty Servicemembers and their families with thier VA Loans, resulting in over $14,000,000 worth of VA Loans originated.




VA Loan in Scottsdale AZ

Hello Veterans,

Did you know that you can get a VA Loan in Scottsdale AZ?

Yes, it’s true! The reality is that many Veterans today call (or plan on calling) Scottsdale AZ home sometime soon. Having said that, they owe it to themselves to explore whether using their VA Home Loan might be an option either now or in the future. Now I know what your thinking… “How can the VA Loan in Scottsdale AZ be an option? Isn’t that loan for lower loan amounts.?

Since 2005 I have been fortunate enough to help Veterans and Active Duty Military purchase homes throughout the Valley of the Sun and seem to find one reoccurring theme with many of them. The theme you ask? Veterans not having all of the information they need as it relates to their VA Loan.

This holds especially true when Veterans are purchasing a home ,and never think to ask is the VA Loan is available in Scottsdale AZ. The VA Loan allows a Veteran to purchase a home in Scottsdale AZ up to $417,000 with no down payment and even go as high at 1.5 million with a limited down payment. Pretty cool right? So if you are are a Veteran and in the market to purchase a home in Scottsdale AZ and you haven’t thought about using your VA Loan, remember it’s an option.

With Scottsdale’s higher end priced homes and the VA Loans competitive rates, and low down payment requirements, Veterans can truly cash in on an opturnity that they have earned and deserve by serving our great country. For additional questions and answers regarding a VA Loan in Scottsdale AZ feel free to contact me at 602-908-5849 or email me at

Semper Fidelis,

Jimmy Vercellino



VA Loan After a Short Sale

Hi Everybody,

One of the most common questions that I get from Veterans who have experienced a short sale is the following…

How long do you have to wait to get a VA Loan After a Short Sale?

The truth is that often times Veterans are given information that may not be true as it relates to this specific topic. That said, the answer is simple…it depends.

Veterans applying for a VA Loan After a short sale will typically have to wait at least 1 year (in my experience) to get a VA Loan. That said, the VA does not have an actual written policy on short sales so it’s actually up to the lender to decide whether or not the Veteran is an acceptable credit risk.



Now in my experience Veterans are often told that they must wait 2 years in order to apply for a VA Loan after a short sale. Having said that, we have helped Veterans purchase a home in just as little as 1 year after the short sale. Now it’s important to understand that not all Veterans will qualify for a VA Loan just 1 year after a short sale. The Lender will need to determine the following before you are approved. Why did it happen? And why is it not going to happen again?

For more information about waiting periods for a VA Loan After a Short Sale feel free to roger up with me at 602-908-5849 or email me at

Semper Fidelis,

Jimmy Vercellino

VA Loan Limits in Arizona

What are VA Loan Limits in Arizona?


It’s more than you might think. VA Loan Limits in vary across the nation. However in all counties  in Arizona the VA Loan allows a Veteran to purchase a home up to $417,000 with no down payment. Pretty cool right? The reality is that the VA Loan has received a bad wrap in the past for being notorious for low loan amounts, and sub-prime loan. However, this of course is not the case. Simply stated, you can find an amazing home in Arizona for this kind of price.

Every year the Department of Veterans affairs gives updated numbers based upon specific counties across the United States. That said, for as long as I can remember VA Loan Limits in Arizona have stayed right at $417,000 and have not gone any lower. In fact, the VA Loan actually allows a Veteran to obtain a loan higher than the numbers listed below with a limited down payment.

Below is a list of counties and the max VA Loan Limits in Arizona.

County NameSingle Family Home
($0 down and up to)
Max Guaranty
LA PAZ$417,000.00$1,000,000
SANTA CRUZ$417,000.00$1,000,000

For more information about VA Loan Limits in Arizona feel free to roger up with me direct at 602-908-5849 or you can email me at

Lastly for a free VA Loan pre qualification click on apply link located in the top right corner and either myself or somebody from my team will contact in you in 24 hours or less.

Thank you and may God Bless you for your service to our great country.

Semper Fidelis,

Jimmy Vercellino


What is the MRP Certification?

I once heard a saying that forever changed my out look on serving.  Simply stated, “You can have anything you want in life if you are just willing to help enough other people get what they want.” – Zig Ziglar.

With that said, Im sure that you have helped several first time home buyers with the purchase of a new home, but i’d like to you ask you this… have you ever helped a first time homebuyer that has done three combat tours to Iraq or Afghanistan?  Or have you ever experienced the look of sincere gratefulness and appreciation from a soldier who has just been given the keys to his families new home?    Of course we all know how good it feels to help others, but I can assure you this… there is no greater feeling of pride, and honor that exists quite like this when selling a home to a veteran who has honorably served our country!

If you would like to serve our Nation’s Finest who have selflessly defended, and continue to defend our great nation, then the MRP Certification is for you. This course is designed to educate the real estate professional in the following three areas:  MRP focuses on The Military Market, the PCS Process (orders), and the VA Home Loan.

The reality is, is that there are certain things that you may have heard in the real estate community about the VA Loan process that are simply not true. These types of myths include some of the following… The VA Loan appraisal is terrible, the seller has to pay all of the fees, the underwriting process is too strict, it takes too long to close, and the loan is a sub prime loan. Myth’s such as these are completely untrue, and have had a detrimental impact on our nations heroes that have served and continue serving today.  The following MRP Certification course is designed to dispel such myths, and educate and equip agents with the tools that will allow them to serve more veteran clients,sell more homes, and at the same time advertise the exclusive MRP certification logo.

The Veteran and Active Duty community is certainly growing in size. With the conflict in Afghanistan winding down, and US military involvement in Iraq ended, I believe that we are going to continue to see more and more Service Members leaving the military, and transitioning into civilian life and the workforce. Last year alone, the VA marked its best year ever insuring nearly 630,000 loans; making 2013 a record year for the VA Home Loans. This makes it abundantly clear that the Veteran and Military home buyers are here to stay. Now is the time to make an investment in your business that will certainly be impactful, and advance your career for years to come!

In many cases, there are several Veterans that you may know right now that have no idea how their VA Loan benefits work, and that they can do all sorts of unique things with their benefits such as…have more than one at a time, and even use it for a VA Jumbo Loan.  Not anymore, after being MRP Certified you will be the VA Real Estate expert serving the active duty military and veterans in your community.

Jimmy Vercellino is a Marine Corps Veteran of Operation Iraqi Freedom and Mortgage Banker Specializing in VA Loans with Goldwater Bank and licensed instructor with ADRE and instructor for NAR’s MRP Certification.

For class times, and dates, email Jimmy at

VA Loan Credit Score Requirements

Credit Scores for VA LoansWhat are the VA Loan credit score requirements?

Oftentimes Veterans are told they don’t qualify for their VA Loan when they still may be actually able to get one elsewhere.

The reason behind this is that different lenders have different credit score requirements.

For example Goldwater Bank (the company that I work for) requires that the Veteran have a minimum credit score of just 600 in order to be able to obtain a VA Home Loan. While I am familiar with other institutions whose VA Loan Credit Score Requirements are a 620.

So again, just because you may have been told that you don’t qualify for your VA Loan does not mean that you are not be able to seek financing elsewhere, which is exactly why I am here to serve you.

Video About VA Loan Credit Score Requirements

If you have questions about your VA Loan and the specifics of the credit score requirements I would be honored to serve you! My name is Jimmy Vercellino and I am a United States Marine Corps Veteran Specializing in VA Loans.

Feel free to roger up with my by emailing me at

Thank you and may God bless you for your service to our great country!

Semper Fidelis,
Jimmy Vercellino

The 2 Forms Needed on the VA Home Loan

The VA Home Loan requires 2 forms. The DD-214 and the VA Certificate of eligibility. Simple enough right? Wrong. These 2 forms have caused much confusion for Veterans when applying for the VA Home Loan.

First we will take a look at the DD-214 which we all know as our discharge paperwork. The reason why the DD-214 is so important on the VA Home Loan is because it tells the lender what type of discharge you had from the military which will determine if you are eligible for your VA Home Loan Benefits.

As many Veterans know this form is incredibly important for more reasons than just using your VA Home Loan. So if for some reason you have misplaced, or lost it, thats okay. This form can be ordered from the Veterans Archives Website at

Now please understand that you MUST have this form prior to applying for your VA Home Loan. I say this because if for some reason it’s lost or misplaced it can delay your home buying experience causing stress for you and everybody involved on the transaction.

The VA Certificate of Eligibility causes much confusion for Veterans when attempting to use their VA Home Loan benefits. Furthermore this form is designed to tell both lender and the Veteran that the Veteran has sufficient entitlement/guarantee to use the VA Home Loan. Veterans please understand that just because we may have a VA COE does not mean that we automatically qualify for the VA Home Loan. A Veteran can have a VA COE and be eligible for the VA Home Loan and still not have the minimum credit score that the lender requires which is 600. To apply for your Certificate of Eligibility you may do so by contacting me directly at

Semper Fidelis,
Jimmy Vercellino

AZ VA Loan Specialist

When purchasing a home and using your VA Loan it’s critical that you work with a VA Loan Specialist. Simply stated VA Loans are very unique, and if you are not working with the right Mortgage Originator it could cost you time and money, and quite possibly the home under contract.

A VA Loan Specialist is able to help you navigate through the complex VA Home Loan process and help you avoid potential pitfalls and hazards that lurk within the unique VA Loan guidelines. For example often times Loan Officers forget to ask questions like: Do you pay child care? Do you have any Dependents? Have you ever used your VA Loan before? A VA Home Loan Specialist understands that questions like these can literally be the difference between moving into your home or quite possibly not being qualified at all.

For the past 7 years I have devoted myself to the Veteran and Active Duty Military Homebuyer and their families while specializing in the VA Loan Process. Furthermore veterans are often told things by Lenders and people within the Real Estate Community that simply aren’t true.

For reasons like this, along with many others, I continue to stress that it is critical for the Veteran and Active Duty MIlitary home buyer to speak with somebody that can relate, understand the process, and most importantly a VA Home Loan Specialist that will get their VA Home Loan closed.

If you are in the market to purchase a home and would like to speak to a VA Home Loan Specialist roger up with me, I speak your language and I know what it means to serve.

If you would like to submit an application you may do so by clicking on the Apply button and and either myself or another VA Home Loan Specialist from my team will follow up with you between 12-24 hours.

Thank you and may God bless you for your service to our great country.

Semper Fidelis,

Jimmy Vercellino, NMLS 184169
VA Loan Specialist