Eligibility and benefits
Service requirements, the Certificate of Eligibility, zero-down financing, mortgage insurance, and reusable entitlement.
Free 17-page VA homebuyer guide
The Ultimate VA Loan Playbook
Everything you need to confidently use your VA home loan benefit, written in plain English by Air Force veteran and mortgage broker Mitch Tucker.
The UltimateVA Loan
PlaybookMitch Tucker | Air Force Veteran
PlaybookMitch Tucker | Air Force Veteran
What this guide answers
Know the process before the pressure starts.
The playbook explains who qualifies, how the benefit works, what the VA appraisal reviews, how to strengthen an offer, what closing costs look like, and which mistakes stop buyers late.
Seller credit may cover all allowable closing costs and prepaid items. The VA's 4% limit applies to seller concessions, not ordinary closing costs. Concessions may include qualifying debt payoff and other permitted items.
Inside the playbook
Seventeen pages. One clear path.
Costs and funding fee
Funding fee exemptions, closing costs, prepaid items, seller credit, concessions, and expected cash to close.
Appraisal and offer
Minimum Property Requirements, inspection differences, competitive offer terms, and seller concerns.
Process and mistakes
The full path from pre-approval to keys, plus five mistakes veterans should address early.
Who wrote the guide
VA guidance from someone who has used the benefit.
I served in the Air Force, bought two homes with VA financing, and now work as a mortgage broker with Edge Home Finance. I compare wholesale lenders, explain the tradeoffs, and manage the file through closing.
Start with a plan
Have a question after reading the playbook?
Bring me your goals, numbers, and timeline. I will help you build the next step around your situation.