Start before you land
Pre-approval works from anywhere. Scott pulls your Certificate of Eligibility electronically, reviews your LES and allowances, and issues a letter so you can write an offer on the house-hunting trip instead of after it.
BAH counts
Basic Allowance for Housing and other non-taxable allowances generally count as qualifying income, and some programs allow them to be grossed up because they are not taxed. That often makes the payment fit better than a quick online calculator suggests.
Entitlement, used again
Already used a VA loan at a previous duty station? Entitlement is restored once that loan is paid off, and many service members have enough remaining entitlement to buy again even while the old home is still rented out. Scott checks the actual number, not the rumor.
The funding fee, explained honestly
The VA funding fee is a one-time charge that can be financed into the loan. It is reduced for a down payment and waived entirely for veterans receiving VA disability compensation and some surviving spouses. Scott confirms your status before quoting cash to close.
Closing on a clock
VA loans close on the same timelines as conventional loans in experienced hands — the outdated reputation comes from lenders who do not do many of them. Scott sets a realistic closing date on offer day and calls the listing agent so your VA offer is understood, not discounted.
Metro districts, hail and the payment
Two Colorado-specific items change a Pikes Peak payment: metropolitan-district taxes in newer neighborhoods, and hail-zone homeowners insurance. Scott runs both for any address so the number you plan around is the number you get.
Scott · Loan Officer