Greenville VA Loan Rates, Closing Costs & Stats

GREENVILLE-ANDERSON, SC

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.

Greenville's 161 lenders originated 1,904 VA loans during 2022. The total origination value was $587,120,000, with an average VA loan value of $308,361.

Greenville VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Greenville averaged -0.15% for the week of 2023-11-24, compared to the national average (all VA variants) of 0% for the same period.

Greenville's average VA mortgage closing costs are $5,680.

The average rate for the prior week (2023-11-17) was 6.79% and one month ago for the week of 2023-10-20, the average rate was 7.22%.

The average rate one year ago was 6.14%.

For refis of the same type during the week of 2023-11-24, the average rate was -1.24%.

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

Greenville 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 Greenville level.

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Mortgage Research Center, LLC 240 5.09% $7,159
QUICKEN LOANS, LLC 149 4.02% $9,398
UNITED WHOLESALE MORTGAGE, LLC 84 4.61% $7,661
FREEDOM MORTGAGE CORPORATION 68 4.26% $10,699
LOANDEPOT.COM, LLC 62 4.15% $10,331
USAA Federal Savings Bank 61 4.52% $8,162
PENNYMAC LOAN SERVICES, LLC 57 3.40% $7,228
NAVY FEDERAL CREDIT UNION 55 4.20% $5,907
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 54 4.77% $7,951
NVR Mortgage Finance, Inc. 49 4.25% $7,832
DHI MORTGAGE COMPANY, LTD. 48 4.03% $8,646
NEW DAY FINANCIAL, LLC 46 4.70% $11,656
PRIMELENDING, A PLAINSCAPITAL COMPANY 46 4.76% $10,204
ON Q FINANCIAL, INC. 35 5.57% $8,956
MOVEMENT MORTGAGE, LLC 24 5.17% $6,891
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 22 4.97% $10,064
Ameris Bank 20 4.05% $6,825
Mr. Cooper ( Nationstar Mortgage ) 19 4.68% $8,825
HOME POINT FINANCIAL CORPORATION 18 4.49% $6,534
The Federal Savings Bank 18 4.65% $13,871
CROSSCOUNTRY MORTGAGE, LLC 17 5.08% $12,328
CARDINAL FINANCIAL 17 5.06% $15,153
HOMESIDE FINANCIAL, LLC 17 4.37% $8,035
HOMEBRIDGE FINANCIAL SERVICES, INC. 16 4.66% $13,265
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 16 5.52% $6,894
Paramount Residential Mortgage Group, Inc. 16 4.90% $11,418
APEX HOME LOANS, INC. 15 3.72% $4,630
Wells Fargo Bank 14 4.21% $4,872
LAKEVIEW LOAN SERVICING, LLC 14 3.25% $2,304
ACOPIA, LLC 14 4.93% $10,746
GUILD MORTGAGE COMPANY 14 5.01% $6,790
CLEARPATH LENDING 13 3.82% $9,882
CALIBER HOME LOANS, INC. 13 4.26% $8,612
Renasant Bank 13 4.13% $8,365
NEWREZ LLC 13 3.78% $7,361
Magnolia Bank 12 4.96% $9,692
VILLAGE CAPITAL MORTGAGE 12 3.99% $7,889
AMERICAN PACIFIC MORTGAGE CORPORATION 11 5.54% $10,724
AMERISAVE MORTGAGE CORPORATION 10 3.91% $12,208
BROKER SOLUTIONS, INC. 10 4.97% $9,936
Truist 10 4.31% $5,960
Sierra Pacific Mortgage Company, Inc. 10 4.16% $5,653
Carrington Mortgage Services, LLC 10 4.84% $9,138
Barrington Bank & Trust Company, N.A. 10 4.16% $7,086
Countybank 9 4.01% $7,291
Equity Prime Mortgage LLC 9 5.21% $7,331
SUCCESS MORTGAGE PARTNERS, INC. 8 4.44% $15,792
HOMESTAR FINANCIAL CORPORATION 8 4.28% $10,614
Low VA Rates, LLC 8 4.23% $13,769
EAGLE HOME MORTGAGE, LLC 7 5.38% $9,788
FINANCE OF AMERICA MORTGAGE LLC 7 4.86% $9,910
ARK-LA-TEX FINANCIAL SERVICES, LLC. 7 4.39% $12,467
North American Savings Bank, F.S.B. 7 4.54% $11,406
CORNERSTONE HOME LENDING, INC. 7 5.30% $8,363
South State Bank 7 4.18% $13,130
Southern First Bank 7 5.00% $3,719
Flagstar Bank, FSB 7 4.32% $9,351
RESOURCE FINANCIAL SERVICES, INC. 6 5.42% $7,046
MORTGAGE SOLUTIONS OF COLORADO, LLC 6 5.33% $7,324
United Community Bank 6 4.77% $3,422
TOWNE MORTGAGE COMPANY 6 4.79% $6,181
PRIMARY RESIDENTIAL MORTGAGE, INC. 6 4.71% $10,852
PENTAGON FEDERAL CREDIT UNION 6 4.17% $7,523
LOANPAL, LLC 5 4.20% $14,775
GUARANTEED RATE, INC. 5 4.08% $1,949
MUTUAL OF OMAHA MORTGAGE, INC. 4 4.31% $7,408
FBC MORTGAGE, LLC 4 5.22% $15,562
UNION HOME MORTGAGE CORP. 4 4.72% $7,744
GENEVA FINANCIAL, LLC 4 5.88% $9,782
GUARANTEED RATE AFFINITY, LLC 4 3.91% $2,510
Century Mortgage Company DBA Century Lending Company 4 3.97% $6,921
Wyndham Capital Mortgage, Inc. 4 4.22% $9,551
VANDERBILT MORTGAGE AND FINANCE, INC. 4 5.63% $4,679
RELIANCE FIRST CAPITAL, LLC 4 5.19% $9,988
Alcova Mortgage LLC 4 5.34% $12,323
Nations Lending Corporation 4 4.91% $11,432
NATIONS DIRECT MORTGAGE, LLC 4 4.03% $9,702
First Federal Bank 3 4.99% $16,418
Lakeview Community Capital, LLC 3 3.42% $5,866
HOMEOWNERS FINANCIAL GROUP USA, LLC 3 4.46% $19,793
Network Funding, L.P. 3 4.63% $11,412
NETWORK CAPITAL FUNDING CORPORATION 3 4.58% $12,084
CHURCHILL MORTGAGE CORPORATION 3 5.75% $9,844
CONTOUR MORTGAGE CORPORATION 3 4.08% $12,531
EVERETT FINANCIAL, INC. 3 5.46% $4,173
Princeton Mortgage Corporation 3 3.79% $12,666
CRESCENT MORTGAGE COMPANY 3 4.46% $7,825
Mid-Continent Funding, Inc. 3 4.88% $7,830
SOUTHWEST STAGE FUNDING, LLC 3 3.38% $4,801
VERITAS FUNDING, LLC 3 4.21% $12,201
INTERLINC MORTGAGE SERVICES, LLC 3 5.42% $12,708
JPMorgan Chase Bank 3 4.00% $4,486
ZILLOW HOME LOANS, LLC 3 3.71% $7,154
Prosperity Home Mortgage, LLC 2 4.75% $18,562
Allen Tate Mortgage Partners, LLC 2 4.44% $11,493
Armed Forces Bank 2 4.38% $2,816
Bank of America 2 4.56% $3,619
BNC National Bank 2 4.75% $6,119
CALCON MUTUAL MORTGAGE LLC 2 4.38% $12,158
CMG MORTGAGE, INC. 2 4.31% $4,638
First-Citizens Bank & Trust Company 2 3.13% $3,862
First Community Bank 2 6.00% $9,298
First Heritage Mortgage, LLC 2 4.00% $10,924
First Mortgage Solutions, LLC 2 3.50% $21,699
First Palmetto Bank 2 4.75% $8,039
INSPIRE HOME LOANS INC. 2 4.88% $13,999
KELLER MORTGAGE, LLC 2 5.25% $7,982
Mortgage Network, Inc. 2 4.69% $11,525
NBKC BANK 2 4.50% $2,823
PLAZA HOME MORTGAGE, INC. 2 5.56% $17,522
PREMIER MORTGAGE RESOURCES, L.L.C. 2 4.00% $9,225
RAPID MORTGAGE COMPANY 2 4.69% $9,635
SOUTHWEST FUNDING, LP 2 4.75% $8,135
Strong Home Mortgage, LLC 2 2.87% $6,388
SUN WEST MORTGAGE COMPANY, INC. 2 4.63% $9,248
SWBC MORTGAGE CORPORATION 2 4.63% $7,039
The Park National Bank 2 4.31% $7,140
TJC Mortgage, Inc. 2 4.94% $9,287
MEMBER FIRST MORTGAGE, LLC 1 5.13% $5,063
Progress Bank and Trust 1 4.50% $2,905
1ST SIGNATURE LENDING, LLC 1 6.25% $7,447
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.63% $8,364
CAPITAL CENTER, L.L.C. 1 5.75% $1,838
KeyBank 1 2.63% $3,009
INTERCOASTAL MORTGAGE COMPANY 1 3.25% $3,947
GUARANTY HOME MORTGAGE CORPORATION 1 3.50% $16,740
ROYAL UNITED MORTGAGE LLC 1 4.63% $10,882
Gateway First Bank 1 5.25% $5,784
First Savings Bank 1 4.00% $14,506
SOUTHERN TRUST MORTGAGE, LLC 1 5.50% $3,138
SOUTHPOINT FINANCIAL SERVICES, INC. 1 5.75% $18,758
First National Bank of Pennsylvania 1 5.25% $18,448
BAY EQUITY LLC 1 5.25% $635
First Horizon Bank 1 6.63% $6,014
BANKSOUTH MORTGAGE COMPANY, LLC 1 3.63% $14,279
First Federal Bank of Kansas City 1 5.00% $18,045
Bank of England 1 6.25% $13,879
Amerifirst Financial, Inc. 1 6.38% $1,360
T2 FINANCIAL LLC 1 3.00% $4,371
TD Bank 1 4.50% $2,007
The Central Trust Bank 1 3.88% $3,158
FIRST COMMUNITY MORTGAGE, INC. 1 4.63% $19,639
The Huntington National Bank 1 3.88% $5,224
THE MORTGAGE FIRM, INC. 1 6.25% $5,849
AMERICAN FINANCIAL RESOURCES, INC. 1 3.38% $8,557
Advisors Mortgage Group, L.L.C. 1 3.50% $10,974
Towne Bank 1 6.00% $5,289
FirstBank 1 3.13% $6,128
EQUITY RESOURCES, INC. 1 4.88% $5,780
Trustmark National Bank 1 6.63% $26,117
DAS Acquisition Company, LLC 1 5.25% $3,416
Centennial Bank 1 3.25% $3,925
Paramount Bank 1 4.75% $4,868
OPEN MORTGAGE, LLC 1 5.63% $8,345
Northpointe Bank 1 3.00% $20,671
NBH Bank 1 5.63% $25,613
Peoples Bank 1 3.50% $15,266
UNITED MORTGAGE CORP 1 5.25% $16,206
CAROLINA ONE MORTGAGE, LLC 1 3.13% $21,927
MORTGAGE EQUITY PARTNERS LLC 1 3.63% $5,428
Meridian Bank Corporation 1 2.75% $3,852

The top Greenville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 240 VA loans originated. Their average total fees are $7,159, which is $2,239 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Greenville VA lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC ($2,304), APEX HOME LOANS, INC. ($4,630), Wells Fargo Bank ($4,872), Sierra Pacific Mortgage Company, Inc. ($5,653) and NAVY FEDERAL CREDIT UNION ($5,907).

The lowest rate Greenville VA lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC (3.25%), PENNYMAC LOAN SERVICES, LLC (3.40%), APEX HOME LOANS, INC. (3.72%), NEWREZ LLC (3.78%) and CLEARPATH LENDING (3.82%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Greenville (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 $268,794 (3.7%) $352,118 (1.7%) 1.00 3,079
2018-02-01 $269,950 (3.9%) $366,630 (5.6%) 0.98 3,082
2018-03-01 $274,600 (3.6%) $370,112 (4.4%) 0.96 3,140
2018-04-01 $274,950 (2.4%) $375,444 (3.2%) 0.93 3,266
2018-05-01 $274,500 (1.7%) $378,904 (4.8%) 0.92 3,373
2018-06-01 $278,711 (1.4%) $383,196 (4.5%) 0.93 3,456
2018-07-01 $275,000 (0.0%) $378,809 (2.9%) 0.92 3,472
2018-08-01 $273,950 (0.0%) $380,078 (3.8%) 0.92 3,443
2018-09-01 $265,137 (-1.8%) $374,377 (3.5%) 0.89 3,563
2018-10-01 $263,810 (-2.5%) $372,049 (1.8%) 0.89 3,617
2018-11-01 $264,700 (-1.9%) $373,956 (2.4%) 0.90 3,532
2018-12-01 $260,000 (-3.4%) $366,832 (1.8%) 0.90 3,426
2019-01-01 $264,243 (-1.7%) $368,315 (4.6%) 0.91 3,229
2019-02-01 $264,709 (-1.9%) $369,403 (0.8%) 0.89 3,148
2019-03-01 $275,811 (0.4%) $379,684 (2.6%) 0.90 3,069
2019-04-01 $284,700 (3.6%) $389,404 (3.7%) 0.90 3,033
2019-05-01 $286,448 (4.4%) $395,219 (4.3%) 0.90 3,187
2019-06-01 $284,622 (2.1%) $395,985 (3.3%) 0.89 3,332
2019-07-01 $280,718 (2.1%) $400,479 (5.7%) 0.88 3,509
2019-08-01 $278,636 (1.7%) $397,967 (4.7%) 0.88 3,499
2019-09-01 $276,591 (4.3%) $393,745 (5.2%) 0.89 3,498
2019-10-01 $275,615 (4.5%) $391,620 (5.3%) 0.89 3,485
2019-11-01 $274,900 (3.9%) $393,042 (5.1%) 0.90 3,387
2019-12-01 $269,900 (3.8%) $386,772 (5.4%) 0.90 3,197
2020-01-01 $269,700 (2.1%) $386,238 (4.9%) 0.90 3,049
2020-02-01 $276,150 (4.3%) $400,622 (8.5%) 0.91 2,872
2020-03-01 $279,900 (1.5%) $408,674 (7.6%) 0.88 2,886
2020-04-01 $279,900 (-1.7%) $405,306 (4.1%) 0.88 2,986
2020-05-01 $285,500 (-0.3%) $419,113 (6.1%) 0.87 2,899
2020-06-01 $298,000 (4.7%) $435,295 (9.9%) 0.88 2,558
2020-07-01 $289,975 (3.3%) $433,102 (8.2%) 0.84 2,459
2020-08-01 $290,000 (4.1%) $441,522 (10.9%) 0.83 2,297
2020-09-01 $289,950 (4.8%) $445,746 (13.2%) 0.83 2,127
2020-10-01 $283,293 (2.8%) $431,464 (10.2%) 0.81 2,103
2020-11-01 $279,900 (1.8%) $417,131 (6.1%) 0.82 2,103
2020-12-01 $276,316 (2.4%) $411,759 (6.5%) 0.82 1,945
2021-01-01 $276,500 (2.5%) $419,024 (8.5%) 0.83 1,693
2021-02-01 $283,228 (2.6%) $433,034 (8.1%) 0.82 1,463
2021-03-01 $296,450 (5.9%) $454,512 (11.2%) 0.84 1,246
2021-04-01 $312,425 (11.6%) $479,260 (18.3%) 0.85 1,099
2021-05-01 $303,936 (6.5%) $497,457 (18.7%) 0.81 1,007
2021-06-01 $319,000 (7.1%) $501,337 (15.2%) 0.84 1,071
2021-07-01 $318,752 (9.9%) $491,050 (13.4%) 0.84 1,253
2021-08-01 $341,975 (17.9%) $511,844 (15.9%) 0.91 1,304
2021-09-01 $347,950 (20.0%) $516,030 (15.8%) 0.93 1,308
2021-10-01 $337,357 (19.1%) $507,087 (17.5%) 0.90 1,304
2021-11-01 $331,045 (18.3%) $505,423 (21.2%) 0.89 1,239
2021-12-01 $329,950 (19.4%) $499,919 (21.4%) 0.89 1,182
2022-01-01 $325,000 (17.5%) $498,471 (19.0%) 0.88 1,035
2022-02-01 $344,925 (21.8%) $509,652 (17.7%) 0.90 861
2022-03-01 $341,473 (15.2%) $510,864 (12.4%) 0.85 820
2022-04-01 $352,000 (12.7%) $510,784 (6.6%) 0.84 859
2022-05-01 $354,950 (16.8%) $507,518 (2.0%) 0.81 1,105
2022-06-01 $354,060 (11.0%) $489,961 (-2.3%) 0.79 1,395
2022-07-01 $351,837 (10.4%) $486,794 (-0.9%) 0.79 1,799
2022-08-01 $350,000 (2.4%) $485,877 (-5.1%) 0.81 1,937
2022-09-01 $349,550 (0.5%) $478,208 (-7.3%) 0.82 2,044
2022-10-01 $345,000 (2.3%) $476,670 (-6.0%) 0.81 2,288
2022-11-01 $341,975 (3.3%) $475,048 (-6.0%) 0.82 2,426
2022-12-01 $339,900 (3.0%) $471,610 (-5.7%) 0.84 2,256
2023-01-01 $336,215 (3.5%) $463,034 (-7.1%) 0.83 2,043
2023-02-01 $334,950 (-2.9%) $465,085 (-8.7%) 0.81 1,984
2023-03-01 $336,950 (-1.3%) $474,431 (-7.1%) 0.79 1,907
2023-04-01 $348,900 (-0.9%) $510,747 (0.0%) 0.81 1,740
2023-05-01 $349,950 (-1.4%) $523,203 (3.1%) 0.79 1,735
2023-06-01 $351,620 (-0.7%) $538,330 (9.9%) 0.79 1,796
2023-07-01 $356,590 (1.4%) $530,346 (9.0%) 0.81 1,886
2023-08-01 $351,120 (0.3%) $518,971 (6.8%) 0.81 1,975
2023-09-01 $359,900 (3.0%) $526,836 (10.2%) 0.84 2,041
2023-10-01 $359,925 (4.3%) $523,715 (9.9%) 0.85 2,189
Greenville's median listing price for 2023-10-01 was $359,925, a difference of $14,925 (4.3%) versus the prior year and $25 versus the prior month.

Greenville's median listing price comes in at 85% of the national average.

Greenville's average listing price for 2023-10-01 was $523,715, a difference of $47,045 (9.9%) versus the prior year and $-3,121 versus the prior month.

For the 2023-10-01 period, Greenville had 2,189 MLS listings, a difference of 148 listings (7%) versus the prior month and -99 listings (-4%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Greenville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 81 days 2,192 sqft
2018-02-01 76 days 2,209 sqft
2018-03-01 56 days 2,397 sqft
2018-04-01 52 days 2,407 sqft
2018-05-01 51 days 2,398 sqft
2018-06-01 55 days 2,400 sqft
2018-07-01 60 days 2,363 sqft
2018-08-01 65 days 2,316 sqft
2018-09-01 64 days 2,237 sqft
2018-10-01 63 days 2,197 sqft
2018-11-01 68 days 2,162 sqft
2018-12-01 77 days 2,146 sqft
2019-01-01 86 days 2,132 sqft
2019-02-01 82 days 2,100 sqft
2019-03-01 70 days 2,161 sqft
2019-04-01 56 days 2,225 sqft
2019-05-01 51 days 2,232 sqft
2019-06-01 54 days 2,200 sqft
2019-07-01 54 days 2,201 sqft
2019-08-01 57 days 2,154 sqft
2019-09-01 61 days 2,124 sqft
2019-10-01 65 days 2,120 sqft
2019-11-01 67 days 2,132 sqft
2019-12-01 77 days 2,100 sqft
2020-01-01 79 days 2,122 sqft
2020-02-01 73 days 2,167 sqft
2020-03-01 61 days 2,198 sqft
2020-04-01 59 days 2,204 sqft
2020-05-01 64 days 2,258 sqft
2020-06-01 69 days 2,262 sqft
2020-07-01 58 days 2,226 sqft
2020-08-01 52 days 2,200 sqft
2020-09-01 51 days 2,100 sqft
2020-10-01 51 days 2,050 sqft
2020-11-01 53 days 2,005 sqft
2020-12-01 59 days 2,011 sqft
2021-01-01 68 days 1,972 sqft
2021-02-01 55 days 1,940 sqft
2021-03-01 50 days 1,888 sqft
2021-04-01 50 days 1,994 sqft
2021-05-01 40 days 1,947 sqft
2021-06-01 37 days 1,986 sqft
2021-07-01 33 days 1,979 sqft
2021-08-01 37 days 2,026 sqft
2021-09-01 44 days 2,048 sqft
2021-10-01 45 days 1,968 sqft
2021-11-01 45 days 1,949 sqft
2021-12-01 49 days 1,962 sqft
2022-01-01 54 days 1,931 sqft
2022-02-01 40 days 1,950 sqft
2022-03-01 37 days 1,938 sqft
2022-04-01 34 days 1,881 sqft
2022-05-01 32 days 1,976 sqft
2022-06-01 32 days 1,952 sqft
2022-07-01 34 days 2,050 sqft
2022-08-01 41 days 1,996 sqft
2022-09-01 45 days 2,040 sqft
2022-10-01 46 days 2,164 sqft
2022-11-01 51 days 2,161 sqft
2022-12-01 64 days 2,050 sqft
2023-01-01 75 days 1,979 sqft
2023-02-01 65 days 1,931 sqft
2023-03-01 51 days 1,949 sqft
2023-04-01 46 days 2,072 sqft
2023-05-01 43 days 2,092 sqft
2023-06-01 44 days 2,100 sqft
2023-07-01 43 days 2,100 sqft
2023-08-01 44 days 2,044 sqft
2023-09-01 44 days 2,100 sqft
2023-10-01 44 days 2,086 sqft
Greenville's median listing age (time on market) for 2023-10-01 was 44 days. This is -5% shorter than the same period one year ago.

Greenville's median square footage for active listings during the 2023-10-01 period was 2,086 sqft. One year prior, the average listing was 2,164 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.