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# VA Loans For Vets

## Sitemaps
[XML Sitemap](https://www.valoansforvets.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Can You Fund Home Renovations with a VA Loan? Here’s What to Know](https://www.valoansforvets.com/va-mortgage-for-home-improvement/): Did you know the same VA loan that helped you secure your home can also transform it into your dream space? As a veteran, you’ve earned benefits that can help you and your family. One of the most helpful tools is a VA loan. Many people know VA loans are great for buying a home, but they can also be used for renovations
- [VA Loan Credit Score Requirements: What You Actually Need to Know?](https://www.valoansforvets.com/credit-score-for-va-loans-requirement/): The VA does not require a minimum credit score. That's the first thing every veteran needs to hear. Unlike conventional or FHA loans, the Department of Veterans Affairs sets no credit score floor — it's designed so your service record, not your FICO score, opens the door to homeownership. That said, the private lenders who fund VA loans do set their own minimums, typically between 580 and 620. And here's what most people won't tell you: even those thresholds have more flexibility than you think. I've helped veterans with credit scores in the low 500s close on their homes using their VA benefit.
- [Can You Have Multiple VA Loans at Once? Yes — Here’s How](https://www.valoansforvets.com/can-you-have-multiple-va-loans-at-once/): Yes, you can have more than one VA loan at the same time — and there is no limit on how many times you can use your VA loan benefit over your lifetime. These are two of the most misunderstood facts about the VA loan program. Many veterans believe they get one VA loan and that's it. That's not how it works. As long as you have available entitlement, you can use your VA benefit again and again — to buy your next home, to hold two properties simultaneously, or to build long-term wealth through real estate. I've helped veterans use their second, third, and even fourth VA loan.
- [VA Loans for Self-Employed Veterans: The Definitive Guide](https://www.valoansforvets.com/va-loan-for-self-employed-veterans-vs-traditional-employment/): Yes, you can absolutely get a VA loan if you're self-employed. I've helped hundreds of self-employed veterans — business owners, freelancers, independent contractors — close on their homes using their VA benefit. The process requires more documentation than a W-2 borrower, but the same VA loan advantages apply: no down payment, no PMI, and competitive rates. The key is knowing what lenders need to see and preparing for it before you apply.
- [Can You Refinance a VA Jumbo Loan? Exploring Your Options](https://www.valoansforvets.com/can-you-refinance-a-va-jumbo-loan/): If you’ve used a VA Jumbo Loan to purchase a home, you’ve already made a smart financial decision by leveraging one of the best benefits available to veterans and active-duty service members. But as interest rates fluctuate and financial priorities shift, you might be wondering: Can I refinance my VA Jumbo Loan? The answer is yes, and refinancing could help you lower your monthly payments, reduce your interest rate, or even access the equity you've built in your home.
- [How to Qualify for a VA Jumbo Loan](https://www.valoansforvets.com/how-to-qualify-for-a-va-jumbo-loan/): VA loans are a favored choice among veterans due to their competitive rates and flexible terms. However, if your borrowing needs exceed the standard VA loan limits, a VA jumbo loan could be the answer. These loans are specifically designed for high-value properties, offering a valuable financing option for veterans purchasing homes in high-cost areas or at higher price points. This guide will detail everything you need to know about VA jumbo loans, including eligibility criteria, loan limits, interest rates, terms, and how they compare to conventional jumbo loans.
- [VA Construction Loans: How to Build Your Home with a VA Loan](https://www.valoansforvets.com/va-construction-loan/): Yes, you can use your VA loan benefit to build a home from the ground up. A VA construction loan covers the cost of land, materials, and labor — with no down payment, no PMI, and competitive interest rates. The process is more involved than buying an existing home, but the result is a custom home built to your specifications that meets VA standards from day one. The biggest challenge isn't qualifying — it's finding lenders and builders who specialize in VA construction. That's where having the right team makes all the difference.
- [VA Jumbo Loan Limits: What Factors Affect Jumbo Limits for Veterans?](https://www.valoansforvets.com/va-jumbo-loan-limits/): I want to talk about a topic that's super important for veterans looking to buy their dream home: VA Jumbo Loan Limits. Now, if you're not familiar with VA jumbo loans, don't worry – I'll break it all down for you. In a nutshell, a VA jumbo loan is a type of VA loan that allows veterans to borrow above the standard VA loan limit. This can be a game-changer for those looking to purchase a higher-priced home, especially in more expensive housing markets.
- [VA Construction Loans in Arizona: What Veterans Need to Know](https://www.valoansforvets.com/guide-to-va-construction-loans-arizona-2024/): Arizona is one of the best states in the country for veterans who want to build. Between the military installations at Luke AFB, Fort Huachuca, Davis-Monthan, and the growing veteran communities across the Phoenix metro and Tucson, there's strong demand for new construction — and the land to build on. If you're an Arizona veteran thinking about building your own home, a VA construction loan can finance the entire project with no down payment and no PMI.
- [How to Deal with Mortgage Payments During a Layoff](https://www.valoansforvets.com/deal-with-mortgage-payments-during-layoff/): Mortgage payments are one of the largest expenses that most homeowners include in their budget. As part of the home buying process, buyers spend a large amount of time figuring out how much of a mortgage payment they can afford.
- [Taking Advantage of Lower Mortgage Interest Rates and Negotiating Opportunities](https://www.valoansforvets.com/taking-advantage-of-lower-mortgage-interest-rates/): Learn how inflation cooling in the economy can lead to lower mortgage interest rates and create opportunities for negotiations with sellers. Discover the benefits of VA loans for veterans and active duty service members.
- [VA Construction Loans in California: What Veterans Need to Know?](https://www.valoansforvets.com/va-construction-loan-california/): California has the largest veteran population in the country — and some of the most compelling reasons to build rather than buy. With housing inventory tight and prices elevated across most of the state, a VA construction loan lets you build exactly what you need, where you need it, with no down payment and no PMI. The process is more involved than a standard VA purchase, but the result is a custom home built to your specifications from day one.
- [VA Loan Underwriting: What Happens, How Long It Takes, and How to Prepare](https://www.valoansforvets.com/va-loan-underwriting-process-timeline-guidelines-va-loans-for-vets/): VA loan underwriting is where your application gets its final review — and it's the step that determines whether you get the keys. An underwriter evaluates your income, credit, debts, employment, and the property itself to confirm that you meet both the lender's criteria and VA guidelines. The process typically takes two to four weeks, and the outcome is one of three things: approved, conditionally approved (the most common result), or denied. Understanding what underwriters look for and how to prepare for it is the difference between a smooth close and an unnecessary delay.
- [How Does the VA Loan Credit Repair Process Work?](https://www.valoansforvets.com/va-loan-credit-repair-process/): Buying a home is a dream for many veterans, and with the help of VA loans, this dream can become a reality. However, one crucial factor that determines whether you qualify for a VA loan is your credit score. In this article, we will explore the VA loan credit repair process for veterans and how it can help you secure a VA home loan.
- [Can You Use a VA Loan for a Rental Property or Second Home?](https://www.valoansforvets.com/second-va-loan-for-rental-property/): You cannot use a VA loan to buy a rental property or investment property outright. But you can absolutely turn a home you purchased with a VA loan into a rental — and many veterans do exactly that to build long-term wealth. The VA loan is designed for primary residences, not investments. However, the program's flexibility around occupancy, entitlement reuse, and multi-unit properties creates a legitimate path to rental income and real estate investing. Here's how the rules actually work.
- [VA Loan Denied? Here’s Why It Happens and What to Do Next](https://www.valoansforvets.com/common-reasons-va-loan-denied/): A VA loan denial does not mean you can't buy a home — it means that specific lender, at that specific moment, didn't approve your application. That's an important distinction. Different lenders have different guidelines, different risk tolerances, and different levels of experience with VA loans. I've personally approved veterans who were denied by other VA lenders, because our team saw something in their application that the previous lender either missed or didn't know how to work with. If you've been denied, the first thing to do is get a second opinion.
- [Top 10 VA Loan Questions Answered by a Mortgage Expert](https://www.valoansforvets.com/top-10-common-va-loan-questions-answered/): VA loans, courtesy of the Department of Veterans Affairs, are unique home loans tailored for veterans, active-duty service members, and eligible surviving spouses. Delivered by private lenders but guaranteed by the VA, these loans come with a plethora of benefits compared to conventional loans. If you've ever had questions about VA loans, you're in luck. Not only do we dive deep into answering these common VA loan questions, but we also tap into the expertise of Jimmy Vercellino from VA Loans for Vets. As a retired military veteran, Jimmy stands out as one of the most experienced mortgage brokers in the VA home loan field.
- [VA Home Loan Requirements](https://www.valoansforvets.com/va-home-loan-requirements/): To qualify for a VA loan, you’ll need to meet the minimum service requirement. You’ll need to be one following VA home loan requirements:
- [How To Get Pre-Approved For a VA Home Loan](https://www.valoansforvets.com/how-to-get-pre-approved-for-a-va-home-loan/): Ready to get started on securing your dream home? Here’s how to get pre approved for a VA home loan.
- [VA Assumable Loans: What They Are, How They Work, and Why They Matter](https://www.valoansforvets.com/va-jumbo-loan-requirements/): Yes, VA loans are assumable — and in today's rate environment, that's one of the most valuable features of your VA loan benefit. Assumable means a qualified buyer can take over your existing VA mortgage, inheriting your interest rate, remaining balance, and loan terms. If you locked in a 3% rate a few years ago and today's rates are 6-7%, your home just became significantly more attractive to buyers. For buyers, assuming a VA loan can save tens of thousands in interest over the life of the mortgage. And here's what surprises most people: the buyer doesn't have to be a veteran.
- [DTI for VA Loan](https://www.valoansforvets.com/dti-for-va-loan/): After finding out how much debt you owe per month, divide the total debt by your monthly income. Use your before-tax income in your calculations. Multiply your total by 100 to find your debt-to-income percentage. Anything below 41% is a good ratio of DTI for VA loan..
- [VA Appraisal Requirements: The Complete Guide for Veterans](https://www.valoansforvets.com/va-appraisal-requirements/): A VA appraisal is required on every VA loan purchase — no exceptions. It serves two purposes: establishing the home's fair market value and confirming the property meets VA Minimum Property Requirements (MPRs) for safety and livability. The appraisal typically costs $500-$800, takes about 10 business days, and is performed by an independent appraiser assigned through the VA — not by a VA employee. If you've heard that VA appraisals are harder or stricter than conventional appraisals, I'm going to clear that up in this guide.
- [Pest Inspection for VA Loan](https://www.valoansforvets.com/pest-inspection-for-va-loan/): If you’re planning on using a VA loan, you might need a pest inspection to qualify. These requirements are most frequent in areas where pests and termites are common. More than 30 states require a termite and pest inspection. Here’s everything you need to know about the process for pest inspection for VA loans.
- [VA Loan for Mobile or Manufactured Home](https://www.valoansforvets.com/va-loan-for-mobile-home-or-manufactured/): VA loans can be a great resource. They offer low-interest rates with low or zero down payments. To take advantage of this opportunity, you’ll need to know when and how to use VA loans.
- [VA Gift Funds Requirements](https://www.valoansforvets.com/va-gift-funds-requirements/): Buying a home can be a difficult process. Luckily, VA gift funds make that process easier. Veterans can use gift funds to cover home-buying costs from down payments to closing costs.
- [Who Can Be on Title on a VA Loan?](https://www.valoansforvets.com/who-can-be-on-title-on-a-va-loan/): Are you a veteran or active duty service member ready to buy a house? Then you’ve likely given some serious thought to getting a VA loan. But you might be wondering who is eligible to be on the title of a VA loan and whether or not adding them works to your advantage.
- [Joint VA Loans and Co-Signers: How to Buy with a Co-Borrower](https://www.valoansforvets.com/joint-va-loans/): For VA loans, co-signer arrangements are less common than co-borrower arrangements. Most lenders structure joint VA loans with co-borrowers rather than co-signers. If you're told you need someone else on the loan, clarify which role they'll play — it affects their legal obligations and property rights.
- [Can You Have a Cosigner on a VA Loan?](https://www.valoansforvets.com/can-you-have-a-cosigner-on-a-va-loan/): VA home loan requirements tend to be more flexible than conventional loan requirements. This is because VA loans are backed by the United States Department of Veteran Affairs which guarantees a portion of the loan to the lender if the borrower defaults on the loan.
- [Everything You Need to Know About VA IRRRL](https://www.valoansforvets.com/everything-you-need-to-know-about-va-irrrl/): A VA IRRRL is known as a VA Interest Rate Reduction Refinance Loan or a VA streamline refinance loan. These terms are used interchangeably. This is a type of VA-backed loan that allows you to replace your existing VA loan with a new loan that has updated terms.
- [Can a Child of a Veteran Get a VA Loan?](https://www.valoansforvets.com/can-a-child-of-a-veteran-get-a-va-loan/): If you are a survivor and dependent child of an active duty service member or veteran then you may be wondering if you qualify for VA home loan benefits. This article discusses what a VA home loan is, what the benefits are, and who qualifies for the loan.
- [What to Do When VA Appraisal Comes Too Low?](https://www.valoansforvets.com/what-to-do-when-va-appraisal-too-low/): You have been informed of a VA appraisal too low - can it be appealed? Yes, the first step is to apply to the VA for a reconsideration of value (ROV).
- [VA Loans for Surviving Spouses: Eligibility, Benefits, and How to Apply](https://www.valoansforvets.com/can-a-surviving-spouse-get-a-va-loan/): Yes, surviving spouses of veterans can qualify for VA home loan benefits — including no down payment, no PMI, and competitive interest rates. This benefit exists because the sacrifices of military service don't end with the service member. The families who supported them — and who carry on after their loss — deserve access to the same homeownership opportunities. If you've lost a spouse to military service, a service-connected disability, or other qualifying circumstances, the VA loan program can help you purchase a home, refinance an existing mortgage, or access your home's equity.
- [How to Buy a Foreclosed Home with a VA Loan](https://www.valoansforvets.com/can-you-buy-a-foreclosure-with-a-va-loan/): Are you interested in buying a foreclosed property? But, can you buy a foreclosure with a va loan? Foreclosures can be an excellent opportunity to purchase a home below market value, but they do come with their own special set of considerations. Keep reading to learn more about using a VA loan for a foreclosure and what to expect during the process.
- [VA Loan vs. Other Loans: How VA Compares to FHA, Conventional, USDA, and CalVet](https://www.valoansforvets.com/va-loan-vs-fha-loan/): If you're eligible for a VA loan, it's almost always the best deal available. No down payment, no monthly mortgage insurance, lower interest rates, and more flexible credit requirements than any other loan type. But "almost always" isn't "always" — and understanding exactly how VA loans stack up against FHA, conventional, USDA, and CalVet loans helps you make the smartest decision for your situation. Here's the complete side-by-side breakdown.
- [VA Minimum Property Requirements (MPRs) for Home Loans](https://www.valoansforvets.com/va-minimum-property-requirements/): One of these is the opportunity to buy a home with a VA home loan. The VA home loan has a low closing cost and no down payment. However, the property you decide to buy must meet the VA’s Minimum Property Requirements.
- [VA Loan Appraisals vs. Conventional Loan Appraisals](https://www.valoansforvets.com/va-loan-appraisal-vs-conventional-appraisal/): Are you a veteran or active duty service member looking to buy a home? The home buying process involves several factors, but the real estate appraisal is the one that makes many people nervous. However, this process does not need to be overwhelming. In this article, we are going to help you understand what an appraisal is, why you need one, and what the differences are depending on the type of mortgage (VA or conventional).
- [How to Get Your VA Loan Offer Accepted by Sellers](https://www.valoansforvets.com/how-to-get-a-va-loan-offer-accepted/): The biggest obstacle VA buyers face isn't qualifying for the loan — it's getting sellers to accept the offer. Some sellers and listing agents still hold outdated misconceptions about VA loans that can put your offer at a disadvantage against conventional buyers. But here's what I've seen after helping hundreds of veterans buy homes: when your offer is structured correctly and your team knows how to communicate, VA offers win. I've had clients get accepted over higher conventional offers because sellers recognized the strength of a well-prepared VA buyer. Here's exactly how to make that happen.
- [Is a VA Loan Still a Good Option in a Bad Economy?](https://www.valoansforvets.com/is-va-loan-still-a-good-option-in-a-bad-economy/): Are you considering applying for a loan to buy a home during a recession? The economy's ups and downs can significantly impact whether individuals decide to move forward with applying for a loan and taking on a home mortgage. In uncertain times, it is hard to know what may be the best decision.
- [VA Residual Income Chart and Guidelines](https://www.valoansforvets.com/va-residual-income-chart-and-guidelines/): As lenders, it is our job to help you secure the loan you need while considering your residual income. Doing this helps to ensure you will still have enough to support your family and take care of financial obligations other than your monthly debts. The VA residual income chart will assist you with determining how much assistance for which you may qualify.
- [VA Loan Income Requirements: Your Complete Guide To Getting A VA Home Loan](https://www.valoansforvets.com/va-loan-income-requirements/): As a United States military member, you deserve a peaceful place to call home. But for many service members, navigating the ins and outs of the VA home loan qualification process can be a stressful experience. This is especially true when it comes to understanding VA loan income requirements, which can have a drastic impact on your ability to buy a home.
- [VA Loan Spouse Requirements: Your Questions, Answered.](https://www.valoansforvets.com/va-loan-spouse-requirements/): That’s why we’re to answer the most commonly asked questions about VA loan spouse requirements, so that you and your family can get the most out of your next home purchase.
- [Jimmy Vercellino in the Media](https://www.valoansforvets.com/media/): Perseverance pays off for former Marine
- [What is a VA Home Loan](https://www.valoansforvets.com/what-is-a-va-home-loan/): These are special loans made by private lenders such as banks or mortgage companies and are designed specifically for veterans in mind. These work toward bringing the military families into homeownership and provide a house their family can live in for years to come.
- [Can I Buy Land with VA Loan?](https://www.valoansforvets.com/buy-land-va-loan/): The Department of Veterans Affairs allows borrowers to use a VA home loan to buy land and construct a new home on a piece of property as an alternative to buying a pre-built home.
- [Everything You Need to Know about the VA Funding Fee](https://www.valoansforvets.com/va-funding-fee/): If you’re an active-duty service member or veteran, you’ve probably heard about the amazing benefits the VA Loan offers.
- [VA Loan Occupancy Requirements: What “Primary Residence” Really Means](https://www.valoansforvets.com/va-loan-occupancy-requirements/): Every home purchased with a VA loan must be your primary residence — but the VA defines "primary residence" more flexibly than most veterans expect. You generally need to move in within 60 days of closing, but there are exceptions for deployments, PCS orders, home repairs, and other situations common in military life. You don't need to live in the home every single day. And your spouse can satisfy the occupancy requirement on your behalf if you're unable to be there. The VA built these rules around the reality of military service, not around a civilian's predictable schedule.
- [VA Loan Affordability Calculator: How Much House Can You Afford?](https://www.valoansforvets.com/va-loan-affordability-calculator/): Buying a home can be an exciting, yet overwhelming time for veterans, active duty service members, and civilians alike.
- [What are the VA Home Inspection Requirements?](https://www.valoansforvets.com/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.
- [Do VA Loans Require a Down Payment?](https://www.valoansforvets.com/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.
- [Do VA Loans Have PMI?](https://www.valoansforvets.com/does-va-loans-have-pmi/): Private mortgage insurance (PMI) can be a hurdle for your family to close on your dream home. Ranging from .5 to 1 percent of the loan, you can pay thousands extra while owning the property.

## Pages
- [Videos](https://www.valoansforvets.com/videos-backup/): Get expert advice, guides, and FAQs on managing your VA home loan AFTER closing.
- [e-book-answers-to-your-top-11-questions](https://www.valoansforvets.com/ebook/): Get Your FREEVA Loan Guide Today In this guide, you'll discover: ✓ The unique benefits of VA Loans
✓ How to qualify for a VA Loan
✓ Expert tips on finding your home
✓ Save thousands with VA Loans
✓ And much more! Download the VA Loan Guide
- [My account](https://www.valoansforvets.com/my-account/)
- [Checkout](https://www.valoansforvets.com/checkout/)
- [Cart](https://www.valoansforvets.com/cart/)
- [Shop](https://www.valoansforvets.com/shop/)
- [Home](https://www.valoansforvets.com/): Choose your family's dream home
- [VA Certificate of Eligibility](https://www.valoansforvets.com/va-certificate-of-eligibility/): It is the most affordable and flexible home loan option on the market period, whether you're active-duty or a veteran. But you can't just walk into a home loan lender's office and claim to be military: you have to prove it. Wearing your uniform or flashing your military ID will not be sufficient for the VA to provide a loan. You need a document called a Certificate of Eligibility (COE), along with fulfilling specific service requirements.
- [Loan Programs](https://www.valoansforvets.com/loan-programs/): There are many loan programs for veterans that can fit almost any need. Please call and ask which loan program best fits your situation.
- [VA Loans](https://www.valoansforvets.com/va-loans/): A non-conforming loan for an amount that exceeds conventional loan limits.
- [VA Loan Information Arizona](https://www.valoansforvets.com/loan-tools/): Below are links to information on VA loans in Arizona.
- [Obtaining a VA Home Loan](https://www.valoansforvets.com/obtaining-a-va-home-loan/): At first, the process can seem daunting, especially with families to take care of and careers to work but let me show you how it works. I'm going to simplify obtaining a VA Home Loan as steps so you can make the best-informed decision on your mortgage options. Let me tell you more about the exciting VA Home Loan Journey that leads to securing your dream home!
- [Texas VA Loans](https://www.valoansforvets.com/location/texas-va-loans/): Get your dream home with no down payment and less stringent income and credit score requirements.
- [California VA Loans](https://www.valoansforvets.com/location/california-va-loans/): We make you proud to be a veteran or active-duty military in California.
- [Arizona VA Loans](https://www.valoansforvets.com/location/arizona-va-loans/): Our experienced lenders walk you through the VA Home Loan program to purchase or refinance the home your family deserves.
- [Terms of Service & Privacy Policy](https://www.valoansforvets.com/terms-service-privacy-policy/): By using this website you agree to the above Terms of Service & Privacy Policy.
- [ADA Compliance](https://www.valoansforvets.com/ada-compliance/): VA Loans for Vets has always strived to provide services in a way that respects the dignity and independence of persons with disabilities. We have established policies and procedures to ensure we provide goods and services to all of our clients and photographic subjects in a manner consistent with this core value.
- [Check Your Eligibility](https://www.valoansforvets.com/check-your-eligibility/): 0%
- [Mortgage Terms Glossary](https://www.valoansforvets.com/mortgage-terms-glossary/): Government National Mortgage Association (GNMA)
- [Start the process](https://www.valoansforvets.com/apply/): Start the Process: Refinance or Apply for a New VA Loan By clicking "Start Application" below, you will be directed to a new site, affiliated with Jimmy Vercellino and Luminate Home Loans Inc, that will allow us to begin the mortgage loan application process. Start Application
- [Different Types of VA Loans](https://www.valoansforvets.com/types-of-loans/): Buying a new home can be an exciting yet stressful experience, whether it's your first home, second, or even third.
- [VA Refinance](https://www.valoansforvets.com/refinancing/): As a United States Military serviceman or woman, you have already found your dream home thanks to the incredible benefits of your VA home loan.
- [Contact](https://www.valoansforvets.com/contact-me/): Call now at 602-908-5849 or use the form below:
- [Blog](https://www.valoansforvets.com/blog/)
- [FAQs](https://www.valoansforvets.com/va-post-loan-faq/): First Things First:
- [My Story](https://www.valoansforvets.com/my-story/): My name is Jimmy Vercellino, and I am a proud veteran of the United States Marine Corps and Operation Iraqi Freedom. I was born and raised in the San Francisco Bay Area, but at the age of 18, I made the decision to defend my country and leave home.
- [Locations](https://www.valoansforvets.com/location/): Whether this is your first VA Loan or you're refinancing, our experienced team is honored to help. We partner with you anywhere in the United States and take you step-by-step through the VA Loan Journey.
- [Arizona VA Streamline Refinance](https://www.valoansforvets.com/arizona-va-streamline-refinance/): But the funny part about the mortgage industry is that just when we think we have it figured out, it throws us another curve ball.
- [VA Loan Cash out Refinance](https://www.valoansforvets.com/va-loan-cash-out-refinance-what-you-need-to-know/): Over the last 15 years, I have spoken to many Veterans and answered many questions.
- [VA Loan Certificate of Eligibility](https://www.valoansforvets.com/va-loan-certificate-of-eligibility/): Let's look at how to read the VA Loan Certificate of Eligibility. You will see the following verbiage: "This Veterans Basic Entitlement is $36,000." Do not be alarmed. This doesn't mean you can only get a VA Loan for $36,000 - all that means is that the VA guarantee's the loan up to $36,000 for a loan up to $144,000. There is something else called Bonus Entitlement - this amount is $68,250.
- [VA Loan Checklist](https://www.valoansforvets.com/loan-checklist/): The following items may be critical to your VA loan being completed in a timely manner. Please provide them if they apply to you.
- [VA Loans Process](https://www.valoansforvets.com/va-loan-process/): Like most veterans and active-duty military, you may feel that obtaining your dream home with a VA home loan is a challenging endeavor. Not only do you have to obtain documentation directly from the national government, but you also have to choose the right lender and real estate agent. There are several parties to work with, who all have different qualifications and deadlines, that can muddle the VA loan process. We understand you could be having trouble getting started or feel stuck in the middle of your home ownership journey.
- [VA Loan Benefits](https://www.valoansforvets.com/2020-va-loan-benefits/): New changes to the VA loan program include benefits that help people overcome increases in housing prices. Homebuyers can now shop in the neighborhoods where they want to raise their families or spend their retirement years. There are also a few things to know about the benefits of using a federally-backed loan that are still in place for the upcoming year.
- [VA Loan Rates Differ](https://www.valoansforvets.com/va-loan-rates-differ/): For those looking for the best VA loan rates possible, a credit score of 720 or higher will be required. While you must have a good credit score, your interest rate could be improved if you have a co-signor that also has a good credit score.
- [VA Loan Eligibility](https://www.valoansforvets.com/va-loan-eligibility/): Although the VA does not tolerate exceptions to the VA Loan Eligibility service requirements, there has been one recent change to the VA Loan qualification. It is specifically for surviving spouses who remarry after their beloved veteran passes away.
- [Home Improvements VA Loan Information](https://www.valoansforvets.com/home-improvements-va-loan/): It's common for veterans to want to know if a VA-guaranteed home loan is available for home improvements. The answer depends on whether you want to buy a new home with a VA loan or already have a home. Unfortunately, the VA does not offer as simplified a loan program as the FHA's 203k loan program, which offers higher loan amounts to cover rehab.
- [VA Jumbo Loans](https://www.valoansforvets.com/va-jumbo-loans/): You've sacrificed during your entire career for our glorious country and deserve to retire with security. Our team can help make that happen with a VA Jumbo Loans, a home loan from Veterans Affairs. The government legislated it for eligible veterans like yourself who want to spend extra on a home they'll enjoy forever. They let you and active-duty servicemen and women exceed the normal VA Loan Limits to buy a higher-end home.

## Templates
- [A2P chat widget](https://www.valoansforvets.com/fl-builder-template/a2p-chat-widget/)
- [Modal Content](https://www.valoansforvets.com/fl-builder-template/modal-content/): In this comprehensive guide, you'll discover:
- [Get Started – Button](https://www.valoansforvets.com/fl-builder-template/get-started-button/)
- [Post – CTA – Row](https://www.valoansforvets.com/fl-builder-template/post-cta-row/): If you want to settle down and provide your family with the home they've always wanted, don't hesitate to contact me. I'll be here to guide you every step of the way.
- [CTA – Post](https://www.valoansforvets.com/fl-builder-template/cta-post/)
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- [CTA Group Buttons – Global](https://www.valoansforvets.com/fl-builder-template/cta-group-buttons-global/)
- [Get a VA Loan – Global](https://www.valoansforvets.com/fl-builder-template/get-a-va-loan-global/): I am here to help you get your dream home.

## Videos
- [How VA Loans Differ from Other Loans](https://www.valoansforvets.com/video/the-va-home-loan/how-va-loans-differ-from-other-loans/): Hey everybody, it's Jimmy Vercellino here today we're going to talk about how VA loans are different from any other loan type that exists in the marketplace.
- [What are the Benefits of Using Your VA Loan?](https://www.valoansforvets.com/video/the-va-home-loan/what-are-the-benefits-of-using-your-va-loan/): Hello, it's Jimmy Vercellino here. What is up to all of my veteran's and active duty service members? Today I wanted to talk to you about the benefit of utilizing your VA home loan benefits.
- [What is a VA Loan Certificate of Eligibility?](https://www.valoansforvets.com/video/from-va-eligible-to-approved/what-is-a-va-loan-certificate-of-eligibility/): Hey everybody, it's Jimmy Vercellino here and today, I'm going to talk with you about the VA Loan certificate of eligibility, what is it and how do we get a copy? Or most importantly, how do I know if I am eligible for a VA loan?
- [How Can I Get Pre-Qualified?](https://www.valoansforvets.com/video/from-va-eligible-to-approved/how-can-i-get-pre-qualified/): Hey everybody it's Jimmy Vercellino here, so now you've determined that you're eligible for a VA home loan. Congratulations! Give me a pound. That's what I'm talking about, right? You're eligible for a VA home loan. Well, now guess what?
- [What are the Steps for a VA Loan Approval?](https://www.valoansforvets.com/video/from-va-eligible-to-approved/what-are-the-steps-for-a-va-loan-approval/): Hey everybody, it's Jimmy Vercellino and today I'm going to talk with you a little bit about the VA loan steps for pre-approval.
- [Who Pays in VA Closing Costs?](https://www.valoansforvets.com/video/closing-on-your-va-home/who-pays-in-va-closing-costs/): Hey everybody. It's Jimmy Vercellino, your Marine Corps Veteran, Mortgage Originator, specializing in VA loans.
- [Why Do I Need An Appraisal to Purchase a Home with My VA Loan?](https://www.valoansforvets.com/video/closing-on-your-va-home/why-do-i-need-an-appraisal-to-purchase-a-home-with-my-va-loan/): Hey everybody, it's Jimmy Vercellino and today I'm going to talk about a question that I tend to get more often than not, and that is simply this, Jimmy, why do I need an appraisal to purchase a home with a VA loan? After all, isn't VA lending the money? They should just approve everything, et cetera. No, that's not how it works.
- [How Do Streamline & VA Cash out Refinances Work?](https://www.valoansforvets.com/video/va-loan-refinancing/how-do-streamline-and-va-cash-out-refinances-work/): Hey everybody, it's Jimmy Vercellino and today I'm going to share with you the difference between a VA streamline refinance or a VA cash-out refinance.
- [How to Refinance](https://www.valoansforvets.com/video/va-loan-refinancing/how-to-refinance/): Hey everybody, it's Jimmy Vercellino here and today I'm going to talk to you about VA loans and refinancing in particular, how can you, as the veteran refinance your VA loan?
- [What are the Different Types of VA Loans?](https://www.valoansforvets.com/video/the-va-home-loan/what-are-the-different-types-of-va-loans/): Hey everybody, it's Jimmy Vercellino and today I'm going to chat with you about the different types of a VA loan. There's a lot of different things that you and I, as Veterans can take advantage of when it comes to utilizing our VA loan.
- [What is a VA Loan?](https://www.valoansforvets.com/video/the-va-home-loan/what-is-a-va-loan/): And that is simply this, What is a VA loan and how do they work? So let's start with the VA home loan and its most basic form. The VA home loan is simply this. It's a government backed loan that allows you and I as Veterans to purchase a home with no money down.

## Site Builder
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