VA Home Loan Specialist

Tim Lewis

NMLS #157603
VA Loan Team Manager &
veteran of Operation Iraqi Freedom

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VA Mortgage FAQ's

How can I lower my mortgage payment with a VA streamline loan?

Many VA borrowers like what they hear about the VA streamline refinance program and want to know more.  If you don't need cash out and simply want to lower your monthly mortgage payment with a lower interest rate, or if you'd like to shorten your loan term, a VA ... View FAQ

Why do the VA and my lender have different guidelines for VA loans?

It can be very confusing to borrowers when they discover that their lender's qualifying guidelines are different from the official VA home loan program guidelines published by the VA. Let's discuss why this can happen. The Veteran's Benefits Administration under the U.S. Department of Veterans Affairs establishes guidelines for the ... View FAQ

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Featured Special Topics

About VA Form 26-6393

VA Form 26-6393 is an important form used by VA underwriters to help determine an applicant’s ability to pay for a VA loan.  The form is not filled out by borrowers.  Rather, it is a tool that helps underwriters keep track of borrower qualifications when being considered for a VA-guaranteed mortgage. The components that make up VA Form 26-6393 include:

• Section A – Loan Data
• Section B – Borrower’s Personal and Financial Status
• Section C – Applicant’s Estimated Monthly ... Read More

What is a Jumbo VA Loan?

A Jumbo VA loan is one over $417,000.  For years, the U.S. Department of Veterans Affairs has allowed Jumbo VA loans. The Fannie Mae conforming loan limit in most U.S. counties is $417,000.  This limit can change. A qualified borrower can get a loan of up to the conforming limit with no money down. What many borrowers don’t know is that there are also some Jumbo VA loans that may require no money down.

In certain ... Read More

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