Cleveland VA Loan Rates, Closing Costs & Stats

CLEVELAND-ELYRIA, OH

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Cleveland's 117 lenders originated 2,006 VA loans during 2024. The total origination value was $556,080,000, with an average VA loan value of $277,208.

    Cleveland VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Cleveland averaged 7.08% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Cleveland's average VA mortgage closing costs are $5,833.

    The average rate for the prior week (2025-05-16) was 7.17% and one month ago for the week of 2025-04-18, the average rate was 6.84%.

    The average rate one year ago was 7.16%.

    For refis of the same type during the week of 2025-05-23, the average rate was 7.36%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Cleveland VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Cleveland level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 441 6.39% $5,473
    CROSSCOUNTRY MORTGAGE, LLC 167 6.62% $7,057
    QUICKEN LOANS, LLC 155 6.04% $10,708
    UNITED WHOLESALE MORTGAGE, LLC 110 6.06% $6,928
    FREEDOM MORTGAGE CORPORATION 89 6.18% $7,232
    NAVY FEDERAL CREDIT UNION 78 5.88% $5,578
    NVR Mortgage Finance, Inc. 65 6.09% $5,518
    PENNYMAC LOAN SERVICES, LLC 59 5.64% $6,433
    NEW DAY FINANCIAL, LLC 53 7.46% $10,388
    USAA Federal Savings Bank 50 6.26% $7,401
    HOWARD HANNA FINANCIAL SERVICES, INC. 28 6.01% $7,760
    NEWREZ LLC 28 6.16% $6,284
    The Huntington National Bank 28 6.62% $7,587
    VILLAGE CAPITAL MORTGAGE 26 5.72% $4,932
    MUTUAL OF OMAHA MORTGAGE, INC. 24 6.35% $10,909
    LOANDEPOT.COM, LLC 20 6.17% $9,928
    Mr. Cooper ( Nationstar Mortgage ) 20 6.39% $6,990
    S1L, Inc. 19 6.34% $10,063
    RUOFF MORTGAGE COMPANY, INC. 19 6.51% $4,721
    UNION HOME MORTGAGE CORP. 18 6.38% $8,945
    Nations Lending Corporation 17 6.52% $8,372
    PULTE MORTGAGE LLC 15 5.58% $7,015
    GUARANTEED RATE, INC. 14 6.26% $5,974
    LIBERTY HOME MORTGAGE CORPORATION 12 6.55% $8,995
    JPMorgan Chase Bank 12 6.19% $4,294
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 6.61% $7,344
    AMERICAN PACIFIC MORTGAGE CORPORATION 11 6.82% $9,732
    CLEARPATH LENDING 11 5.81% $4,728
    Fifth Third Bank 11 6.25% $6,039
    NBKC BANK 10 6.00% $5,979
    Equity Prime Mortgage LLC 10 7.03% $7,566
    The Federal Savings Bank 10 6.63% $16,904
    Magnolia Bank 10 6.06% $13,113
    Barrington Bank & Trust Company, N.A. 9 6.47% $5,762
    FIRST EQUITY MORTGAGE INCORPORATED 9 6.11% $10,263
    NORTHERN MORTGAGE SERVICES, LLC 9 6.57% $8,916
    BROKER SOLUTIONS, INC. 8 6.61% $7,683
    LAKEVIEW LOAN SERVICING, LLC 8 5.78% $7,257
    Carrington Mortgage Services, LLC 8 6.45% $13,479
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 7 5.45% $4,553
    HOMEBRIDGE FINANCIAL SERVICES, INC. 7 6.61% $2,617
    MORTGAGE SOLUTIONS OF COLORADO, LLC 7 7.29% $3,395
    UNION CAPITAL MORTGAGE CORPORATION 6 6.04% $8,257
    YOUR HOME FINANCIAL LLC 6 6.85% $10,192
    POLARIS HOME FUNDING CORP. 6 6.23% $11,789
    PLANET HOME LENDING, LLC 6 6.14% $6,499
    MOVEMENT MORTGAGE, LLC 6 6.98% $7,066
    First National Bank of Pennsylvania 6 6.27% $5,618
    NFM, INC. 5 7.03% $9,054
    U.S. Bank 5 6.35% $8,135
    AMERICAN FINANCIAL RESOURCES, INC. 5 6.63% $9,584
    CMG MORTGAGE, INC. 5 6.23% $4,177
    RELIANCE FIRST CAPITAL, LLC 5 6.38% $10,796
    Citizens Bank 4 6.13% $3,647
    PRIMELENDING, A PLAINSCAPITAL COMPANY 4 7.22% $7,089
    First Federal Bank 4 6.03% $6,430
    First Federal Savings and Loan Association of Lakewood 4 6.38% $3,797
    ALLIED MORTGAGE GROUP, INC. 4 6.22% $8,845
    Flagstar Bank, FSB 4 6.57% $6,970
    Prosperity Home Mortgage, LLC 3 5.96% $6,263
    AMERICAN FINANCIAL NETWORK, INC. 3 6.33% $3,762
    CANOPY MORTGAGE, LLC 3 5.13% $34,896
    CARDINAL FINANCIAL 3 6.42% $4,714
    Credence Funding Corporation 3 5.50% $9,465
    GENEVA FINANCIAL, LLC 3 6.88% $5,291
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 6.70% $6,741
    Ixonia Bank 3 6.50% $9,183
    KeyBank 3 5.75% $10,538
    LOANPAL, LLC 3 5.79% $8,468
    MICHIGAN MUTUAL, INC. 3 6.50% $3,129
    Plains Commerce Bank 3 6.38% $4,487
    Union Savings Bank 3 6.25% $4,001
    VERITAS FUNDING, LLC 3 6.46% $21,908
    ZILLOW HOME LOANS, LLC 3 6.46% $8,546
    HOMESIDE FINANCIAL, LLC 2 7.44% $8,097
    PENTAGON FEDERAL CREDIT UNION 2 6.06% $9,044
    TOP FLITE FINANCIAL, INC. 2 6.00% $5,618
    HomePromise Corporation 2 7.06% $7,434
    ROYAL UNITED MORTGAGE LLC 2 6.50% $4,523
    WEST PENN FINANCIAL SERVICE CENTER, INC. 2 6.63% $9,758
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 7.50% $13,105
    CHURCHILL MORTGAGE CORPORATION 2 6.88% $8,896
    AMERISAVE MORTGAGE CORPORATION 2 5.81% $10,741
    Mid-Continent Funding, Inc. 2 6.38% $6,321
    SUN WEST MORTGAGE COMPANY, INC. 2 7.06% $10,446
    ABSOLUTE HOME MORTGAGE CORPORATION 2 6.19% $11,145
    Texana Bank 2 7.19% $10,976
    MORTGAGEONE, INC. 2 6.94% $4,326
    PNC Bank 2 7.19% $3,434
    GUILD MORTGAGE COMPANY 2 6.38% $7,746
    GUARANTEED RATE AFFINITY, LLC 1 5.63% $2,394
    The Loan Store, Inc. 1 5.63% $1,376
    GoPrime Mortgage, Inc. 1 6.75% $8,733
    First Federal Bank of the Midwest 1 6.63% $4,979
    EMBRACE HOME LOANS, INC. 1 5.75% $6,061
    US MORTGAGE CORPORATION 1 6.75% $8,451
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.63% $6,191
    AMERICAN FINANCING CORPORATION 1 6.63% $9,767
    North American Savings Bank, F.S.B. 1 5.99% $4,163
    Northwest Bank 1 6.50% $3,986
    Old National Bank 1 5.88% $7,546
    MORTGAGE ACCESS CORP. 1 5.50% $4,519
    OPEN MORTGAGE, LLC 1 6.75% $8,530
    Paramount Residential Mortgage Group, Inc. 1 6.13% $4,298
    MORIA DEVELOPMENT, INC. 1 6.75% $8,543
    PHH Mortgage Corporation 1 5.63% $7,291
    AmeriHome Mortgage Company, LLC 1 6.63% $5,237
    PLAZA HOME MORTGAGE, INC. 1 6.25% $11,536
    PLUS RELOCATION MORTGAGE, LLC 1 6.25% $9,878
    MID AMERICA MORTGAGE, INC. 1 5.38% $8,117
    Lakeview Community Capital, LLC 1 5.75% $10,309
    Hometown Equity Mortgage, LLC 1 7.63% $5,441
    RAPID MORTGAGE COMPANY 1 7.13% $13,889
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 5.75% $10,408
    HALLMARK HOME MORTGAGE, LLC 1 7.75% $5,340
    T2 FINANCIAL LLC 1 6.13% $7,307
    The Farmers National Bank of Canfield 1 5.75% $8,944

    The top Cleveland VA lender as defined by loan originations is Mortgage Research Center, LLC, with 441 VA loans originated. Their average total fees are $5,473, which is $1,584 lower than the next largest lender, CROSSCOUNTRY MORTGAGE, LLC.

    The lowest fee Cleveland VA lenders (with over 10 loans originated) are JPMorgan Chase Bank ($4,294), RUOFF MORTGAGE COMPANY, INC. ($4,721), CLEARPATH LENDING ($4,728), VILLAGE CAPITAL MORTGAGE ($4,932) and Mortgage Research Center, LLC ($5,473).

    The lowest rate Cleveland VA lenders (with over 10 loans originated) are PULTE MORTGAGE LLC (5.58%), PENNYMAC LOAN SERVICES, LLC (5.64%), VILLAGE CAPITAL MORTGAGE (5.72%), CLEARPATH LENDING (5.81%) and NAVY FEDERAL CREDIT UNION (5.88%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Cleveland (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $160,975 (13.1%) $248,945 (7.4%) 0.60 5,646
    2018-02-01 $165,345 (13.1%) $256,958 (7.2%) 0.60 5,425
    2018-03-01 $173,950 (10.7%) $265,793 (6.3%) 0.61 5,333
    2018-04-01 $184,950 (16.3%) $275,814 (10.0%) 0.63 5,316
    2018-05-01 $191,500 (15.4%) $282,420 (9.2%) 0.64 5,516
    2018-06-01 $197,945 (13.6%) $283,679 (8.6%) 0.66 5,974
    2018-07-01 $190,000 (8.6%) $277,551 (5.8%) 0.63 6,461
    2018-08-01 $189,350 (11.5%) $272,120 (4.8%) 0.63 6,843
    2018-09-01 $185,000 (8.9%) $270,640 (5.3%) 0.62 6,917
    2018-10-01 $185,000 (10.5%) $269,040 (7.6%) 0.63 6,882
    2018-11-01 $184,600 (11.9%) $270,802 (8.9%) 0.63 6,722
    2018-12-01 $179,900 (10.4%) $269,088 (9.0%) 0.62 6,056
    2019-01-01 $179,900 (11.8%) $269,222 (8.2%) 0.62 5,642
    2019-02-01 $185,000 (11.9%) $277,995 (8.2%) 0.63 5,396
    2019-03-01 $198,471 (14.1%) $289,480 (8.9%) 0.65 5,402
    2019-04-01 $208,334 (12.6%) $296,862 (7.6%) 0.66 5,464
    2019-05-01 $202,450 (5.7%) $290,019 (2.7%) 0.63 5,637
    2019-06-01 $209,900 (6.0%) $291,670 (2.8%) 0.66 5,975
    2019-07-01 $204,923 (7.9%) $288,367 (3.9%) 0.64 6,278
    2019-08-01 $199,182 (5.2%) $286,500 (5.3%) 0.63 6,418
    2019-09-01 $197,955 (7.0%) $283,286 (4.7%) 0.63 6,466
    2019-10-01 $193,450 (4.6%) $279,747 (4.0%) 0.62 6,498
    2019-11-01 $184,900 (0.2%) $276,516 (2.1%) 0.61 6,216
    2019-12-01 $179,900 (0.0%) $274,374 (2.0%) 0.60 5,555
    2020-01-01 $179,575 (-0.2%) $275,499 (2.3%) 0.60 4,970
    2020-02-01 $184,950 (0.0%) $289,302 (4.1%) 0.61 4,432
    2020-03-01 $202,400 (2.0%) $303,186 (4.7%) 0.63 4,252
    2020-04-01 $199,900 (-4.1%) $303,372 (2.2%) 0.63 4,114
    2020-05-01 $215,000 (6.2%) $317,557 (9.5%) 0.65 3,759
    2020-06-01 $226,950 (8.1%) $329,082 (12.8%) 0.67 3,514
    2020-07-01 $235,000 (14.7%) $333,595 (15.7%) 0.68 3,349
    2020-08-01 $231,145 (16.1%) $330,186 (15.3%) 0.66 3,275
    2020-09-01 $215,950 (9.1%) $316,802 (11.8%) 0.62 3,273
    2020-10-01 $199,999 (3.4%) $305,114 (9.1%) 0.57 3,401
    2020-11-01 $199,450 (7.9%) $305,866 (10.6%) 0.58 3,294
    2020-12-01 $198,500 (10.3%) $301,803 (10.0%) 0.59 2,941
    2021-01-01 $189,900 (5.8%) $307,380 (11.6%) 0.57 2,471
    2021-02-01 $196,975 (6.5%) $324,274 (12.1%) 0.57 2,024
    2021-03-01 $210,500 (4.0%) $337,690 (11.4%) 0.60 1,962
    2021-04-01 $225,000 (12.6%) $339,382 (11.9%) 0.61 1,934
    2021-05-01 $221,389 (3.0%) $332,864 (4.8%) 0.59 2,312
    2021-06-01 $219,894 (-3.1%) $319,852 (-2.8%) 0.58 2,709
    2021-07-01 $214,900 (-8.6%) $312,462 (-6.3%) 0.57 3,060
    2021-08-01 $199,950 (-13.5%) $304,674 (-7.7%) 0.53 3,264
    2021-09-01 $198,950 (-7.9%) $301,804 (-4.7%) 0.53 3,205
    2021-10-01 $189,900 (-5.1%) $292,643 (-4.1%) 0.51 3,243
    2021-11-01 $189,900 (-4.8%) $294,546 (-3.7%) 0.51 2,945
    2021-12-01 $184,950 (-6.8%) $290,283 (-3.8%) 0.50 2,568
    2022-01-01 $179,000 (-5.7%) $298,791 (-2.8%) 0.48 2,072
    2022-02-01 $179,900 (-8.7%) $308,312 (-4.9%) 0.47 1,850
    2022-03-01 $189,900 (-9.8%) $317,053 (-6.1%) 0.48 1,827
    2022-04-01 $194,950 (-13.4%) $315,213 (-7.1%) 0.46 1,908
    2022-05-01 $217,000 (-2.0%) $329,533 (-1.0%) 0.50 2,269
    2022-06-01 $225,000 (2.3%) $332,700 (4.0%) 0.50 2,659
    2022-07-01 $224,950 (4.7%) $324,786 (3.9%) 0.51 3,123
    2022-08-01 $224,900 (12.5%) $315,058 (3.4%) 0.52 3,406
    2022-09-01 $219,700 (10.4%) $308,766 (2.3%) 0.51 3,401
    2022-10-01 $210,000 (10.6%) $306,730 (4.8%) 0.49 3,515
    2022-11-01 $199,900 (5.3%) $304,017 (3.2%) 0.48 3,439
    2022-12-01 $189,900 (2.7%) $290,396 (0.0%) 0.47 3,005
    2023-01-01 $189,950 (6.1%) $298,141 (-0.2%) 0.47 2,648
    2023-02-01 $199,450 (10.9%) $316,817 (2.8%) 0.48 2,365
    2023-03-01 $212,000 (11.6%) $330,431 (4.2%) 0.50 2,170
    2023-04-01 $225,000 (15.4%) $342,391 (8.6%) 0.52 2,197
    2023-05-01 $236,700 (9.1%) $348,652 (5.8%) 0.54 2,258
    2023-06-01 $248,480 (10.4%) $354,638 (6.6%) 0.56 2,409
    2023-07-01 $245,000 (8.9%) $353,877 (9.0%) 0.56 2,490
    2023-08-01 $249,900 (11.1%) $356,113 (13.0%) 0.57 2,583
    2023-09-01 $240,000 (9.2%) $345,200 (11.8%) 0.56 2,781
    2023-10-01 $238,000 (13.3%) $339,451 (10.7%) 0.56 2,968
    2023-11-01 $225,250 (12.7%) $329,962 (8.5%) 0.54 3,095
    2023-12-01 $219,900 (15.8%) $325,497 (12.1%) 0.54 2,901
    2024-01-01 $214,900 (13.1%) $329,269 (10.4%) 0.52 2,531
    2024-02-01 $212,475 (6.5%) $340,372 (7.4%) 0.51 2,229
    2024-03-01 $229,900 (8.4%) $352,490 (6.7%) 0.54 2,179
    2024-04-01 $255,250 (13.4%) $370,851 (8.3%) 0.59 2,145
    2024-05-01 $274,250 (15.9%) $390,168 (11.9%) 0.62 2,315
    2024-06-01 $285,000 (14.7%) $403,214 (13.7%) 0.64 2,543
    2024-07-01 $265,000 (8.2%) $376,121 (6.3%) 0.61 2,750
    2024-08-01 $269,900 (8.0%) $381,127 (7.0%) 0.63 2,936
    2024-09-01 $262,213 (9.3%) $377,101 (9.2%) 0.62 3,105
    2024-10-01 $250,000 (5.0%) $368,514 (8.6%) 0.59 3,282
    2024-11-01 $249,900 (10.9%) $360,746 (9.3%) 0.60 3,323
    2024-12-01 $239,950 (9.1%) $356,708 (9.6%) 0.60 3,007
    Cleveland's median listing price for 2024-12-01 was $239,950, a difference of $20,050 (9.1%) versus the prior year and $-9,950 versus the prior month.

    Cleveland's median listing price comes in at 60% of the national average.

    Cleveland's average listing price for 2024-12-01 was $356,708, a difference of $31,211 (9.6%) versus the prior year and $-4,038 versus the prior month.

    For the 2024-12-01 period, Cleveland had 3,007 MLS listings, a difference of -316 listings (-10%) versus the prior month and 106 listings (4%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Cleveland (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 88 days 1,690 sqft
    2018-02-01 84 days 1,700 sqft
    2018-03-01 60 days 1,730 sqft
    2018-04-01 53 days 1,774 sqft
    2018-05-01 51 days 1,802 sqft
    2018-06-01 50 days 1,838 sqft
    2018-07-01 52 days 2,052 sqft
    2018-08-01 53 days 2,028 sqft
    2018-09-01 59 days 2,025 sqft
    2018-10-01 62 days 2,011 sqft
    2018-11-01 63 days 2,002 sqft
    2018-12-01 71 days 1,968 sqft
    2019-01-01 81 days 1,963 sqft
    2019-02-01 79 days 1,980 sqft
    2019-03-01 63 days 2,021 sqft
    2019-04-01 49 days 2,043 sqft
    2019-05-01 51 days 1,831 sqft
    2019-06-01 52 days 1,846 sqft
    2019-07-01 53 days 1,870 sqft
    2019-08-01 55 days 1,934 sqft
    2019-09-01 58 days 1,986 sqft
    2019-10-01 61 days 2,014 sqft
    2019-11-01 72 days 1,960 sqft
    2019-12-01 80 days 1,926 sqft
    2020-01-01 87 days 1,920 sqft
    2020-02-01 86 days 1,928 sqft
    2020-03-01 63 days 1,966 sqft
    2020-04-01 58 days 1,969 sqft
    2020-05-01 72 days 2,000 sqft
    2020-06-01 63 days 2,041 sqft
    2020-07-01 49 days 2,061 sqft
    2020-08-01 49 days 2,029 sqft
    2020-09-01 54 days 1,962 sqft
    2020-10-01 51 days 1,928 sqft
    2020-11-01 56 days 1,908 sqft
    2020-12-01 66 days 1,870 sqft
    2021-01-01 74 days 1,853 sqft
    2021-02-01 70 days 1,823 sqft
    2021-03-01 44 days 1,834 sqft
    2021-04-01 40 days 1,851 sqft
    2021-05-01 32 days 1,867 sqft
    2021-06-01 33 days 1,885 sqft
    2021-07-01 33 days 1,890 sqft
    2021-08-01 37 days 1,850 sqft
    2021-09-01 42 days 1,849 sqft
    2021-10-01 43 days 1,801 sqft
    2021-11-01 46 days 1,781 sqft
    2021-12-01 53 days 1,770 sqft
    2022-01-01 58 days 1,735 sqft
    2022-02-01 50 days 1,732 sqft
    2022-03-01 40 days 1,757 sqft
    2022-04-01 36 days 1,794 sqft
    2022-05-01 33 days 1,835 sqft
    2022-06-01 34 days 1,842 sqft
    2022-07-01 35 days 1,850 sqft
    2022-08-01 39 days 1,848 sqft
    2022-09-01 45 days 1,813 sqft
    2022-10-01 45 days 1,815 sqft
    2022-11-01 45 days 1,800 sqft
    2022-12-01 55 days 1,779 sqft
    2023-01-01 60 days 1,784 sqft
    2023-02-01 53 days 1,794 sqft
    2023-03-01 44 days 1,800 sqft
    2023-04-01 42 days 1,832 sqft
    2023-05-01 38 days 1,820 sqft
    2023-06-01 38 days 1,855 sqft
    2023-07-01 39 days 1,850 sqft
    2023-08-01 39 days 1,888 sqft
    2023-09-01 40 days 1,849 sqft
    2023-10-01 40 days 1,830 sqft
    2023-11-01 44 days 1,820 sqft
    2023-12-01 51 days 1,806 sqft
    2024-01-01 58 days 1,758 sqft
    2024-02-01 50 days 1,752 sqft
    2024-03-01 42 days 1,800 sqft
    2024-04-01 39 days 1,848 sqft
    2024-05-01 30 days 1,915 sqft
    2024-06-01 31 days 1,956 sqft
    2024-07-01 37 days 1,900 sqft
    2024-08-01 38 days 1,905 sqft
    2024-09-01 39 days 1,898 sqft
    2024-10-01 42 days 1,875 sqft
    2024-11-01 45 days 1,864 sqft
    2024-12-01 55 days 1,821 sqft
    Cleveland's median listing age (time on market) for 2024-12-01 was 55 days. This is 7% longer than the same period one year ago.

    Cleveland's median square footage for active listings during the 2024-12-01 period was 1,821 sqft. One year prior, the average listing was 1,806 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.