You served. Let's find your way home.
VA home loan guidance for service members, veterans and eligible surviving spouses, with Theresa Rolen explaining the paperwork, the vocabulary and your options in plain language.
If you've served, your home loan options are different from everyone else's, and that's a good thing.
A VA loan is a mortgage made by a lender and backed by the U.S. Department of Veterans Affairs. The VA doesn't hand you the money, it stands behind part of the loan, which is why the terms can differ from a conventional mortgage.
Eligibility is determined by the VA based on your service history, not by Theresa and not by any lender, so the first step is always confirming where you stand.
Could be worth exploring if you're…
Theresa can help you find out where you stand and compare the VA program with your other options.
- Buying a first homeand using the benefit for the first time.
- Buying againand wondering how much entitlement you have left.
- A surviving spousewho may be eligible and has never been told so.
- A current homeownercurious whether a VA refinance makes sense.
- Relocating on ordersand lining up a purchase from a distance.
- Weighing VA against FHA or conventionaland wanting the trade-offs explained.
Features worth understanding
Every file is different, so Theresa won't promise an outcome before she's seen yours. These are the parts of the program she'll explain.
- Down paymentThe structure can be far lighter than conventional financing for eligible borrowers.
- Mortgage insuranceVA loans don't carry monthly mortgage insurance, which changes how your payment is built.
- VA funding feeApplies in most cases, with exemptions for some borrowers.
- Reusable entitlementEntitlement can often be used again later, not just once.
How Theresa walks you through a VA loan
Questions mid-process aren't an inconvenience, they're the job.
A real conversation
Your service history, timeline, budget and what you want out of the move.
Eligibility & documents
Help tracking down your Certificate of Eligibility and the records that support it.
Compare your options
The programs available to you side by side, with the trade-offs in plain English.
Pre-qualify to closing
Application, processing and closing, with Theresa as the person you call.
VA loan questions
How do I know if I'm eligible for a VA loan?
Eligibility is determined by the U.S. Department of Veterans Affairs based on your service history, and confirmed through a Certificate of Eligibility. Theresa can help you request yours and explain what it says.
Can a surviving spouse use the VA home loan benefit?
Some surviving spouses are eligible. It's one of the most overlooked parts of the program, so it's worth asking rather than assuming you don't qualify.
What is the VA funding fee?
A fee that applies to most VA loans. Certain borrowers are exempt. Theresa will show you whether it applies to you and how it affects your numbers before you commit.
Can I use a VA loan more than once?
VA entitlement can often be reused. How much you have available depends on your history, so it's a conversation worth having early.
What if a VA loan isn't my best option?
Then Theresa will tell you. She compares the programs available to you, including FHA, conventional and refinance options, and explains the trade-offs.
Ask the Huntress
Whether you're ready to apply or just want to know if your benefit is still available to you, start a conversation with Theresa and bring every question you've got.
(913) 705-0049