Knoxville VA Loan Rates, Closing Costs & Stats

KNOXVILLE, TN

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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.

    Knoxville's 150 lenders originated 2,006 VA loans during 2022. The total origination value was $644,980,000, with an average VA loan value of $321,525.

    Knoxville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Knoxville averaged -0.09% for the week of 2023-11-24, compared to the national average (all VA variants) of 0% for the same period.

    Knoxville's average VA mortgage closing costs are $5,836.

    The average rate for the prior week (2023-11-17) was 6.76% and one month ago for the week of 2023-10-20, the average rate was 6.99%.

    The average rate one year ago was 6.3%.

    For refis of the same type during the week of 2023-11-24, the average rate was -0.96%.

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

    Knoxville 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 Knoxville level.

    Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    Mortgage Research Center, LLC 240 5.06% $7,351
    MORTGAGE INVESTORS GROUP, INC. 169 4.63% $6,769
    QUICKEN LOANS, LLC 164 4.16% $11,292
    UNITED WHOLESALE MORTGAGE, LLC 99 4.28% $8,935
    FREEDOM MORTGAGE CORPORATION 97 4.22% $11,718
    NAVY FEDERAL CREDIT UNION 76 3.92% $7,601
    PENNYMAC LOAN SERVICES, LLC 69 3.52% $10,915
    FIRST COMMUNITY MORTGAGE, INC. 63 4.07% $8,196
    MOVEMENT MORTGAGE, LLC 62 4.44% $7,269
    NEW DAY FINANCIAL, LLC 50 4.95% $11,947
    USAA Federal Savings Bank 50 4.29% $7,622
    CARDINAL FINANCIAL 48 5.31% $13,705
    CMG MORTGAGE, INC. 46 4.88% $9,386
    LOANDEPOT.COM, LLC 46 4.24% $11,501
    DHI MORTGAGE COMPANY, LTD. 41 4.24% $7,132
    HOME POINT FINANCIAL CORPORATION 22 4.68% $8,332
    UNION HOME MORTGAGE CORP. 21 4.83% $11,303
    LAKEVIEW LOAN SERVICING, LLC 19 3.28% $6,521
    CALIBER HOME LOANS, INC. 17 4.68% $13,124
    CROSSCOUNTRY MORTGAGE, LLC 16 5.68% $10,505
    MORTGAGE SOLUTIONS OF COLORADO, LLC 15 5.34% $6,640
    Countybank 15 4.33% $7,584
    The Federal Savings Bank 14 5.13% $14,509
    AMERISAVE MORTGAGE CORPORATION 13 4.21% $11,045
    Mr. Cooper ( Nationstar Mortgage ) 13 4.65% $10,124
    VILLAGE CAPITAL MORTGAGE 12 3.73% $8,562
    STOCKTON MORTGAGE CORPORATION 12 4.89% $11,925
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 5.27% $4,761
    Barrington Bank & Trust Company, N.A. 11 4.25% $8,473
    NEWREZ LLC 11 4.70% $10,146
    EVERETT FINANCIAL, INC. 11 5.94% $9,720
    PLANET HOME LENDING, LLC 10 3.89% $8,536
    CLEARPATH LENDING 10 3.56% $9,985
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 9 5.06% $8,825
    Regions Bank 9 4.60% $16,108
    Sierra Pacific Mortgage Company, Inc. 9 4.35% $12,257
    VANDERBILT MORTGAGE AND FINANCE, INC. 9 4.75% $10,625
    Northpointe Bank 8 3.83% $13,439
    AMERICAN MORTGAGE SERVICE COMPANY 8 4.63% $6,449
    BROKER SOLUTIONS, INC. 8 4.56% $12,728
    Citizens Bank 8 4.45% $4,286
    Gateway First Bank 7 4.79% $10,275
    Pinnacle Bank 7 4.48% $8,612
    PENTAGON FEDERAL CREDIT UNION 7 3.82% $4,605
    North American Savings Bank, F.S.B. 7 4.54% $6,010
    First Guaranty Mortgage Corporation 7 4.25% $8,821
    GUILD MORTGAGE COMPANY 7 3.77% $8,815
    Truist 6 3.56% $8,037
    FirstBank 6 4.54% $9,952
    Renasant Bank 6 3.96% $25,598
    T2 FINANCIAL LLC 6 5.42% $10,492
    MUTUAL OF OMAHA MORTGAGE, INC. 6 3.96% $7,999
    Mid-Continent Funding, Inc. 6 4.83% $12,057
    First Option Mortgage, LLC 6 4.38% $10,149
    U.S. Bank 5 4.52% $8,969
    GUARANTEED RATE, INC. 5 5.15% $6,189
    POLARIS HOME FUNDING CORP. 5 4.17% $9,311
    First Horizon Bank 5 5.80% $5,453
    RELIANCE FIRST CAPITAL, LLC 5 4.95% $5,421
    Wells Fargo Bank 5 4.75% $5,405
    Wolfe Financial, Inc 5 5.40% $7,052
    NFM, INC. 5 5.65% $12,481
    Hometown Lenders, Inc. 4 5.28% $8,291
    Flagstar Bank, FSB 4 4.66% $10,763
    TJC Mortgage, Inc. 4 4.94% $5,044
    Texana Bank 4 4.47% $13,506
    AMERICAN FINANCIAL RESOURCES, INC. 4 5.03% $7,054
    HOMESIDE FINANCIAL, LLC 4 4.66% $11,909
    CRESCENT MORTGAGE COMPANY 4 4.31% $1,754
    CHURCHILL MORTGAGE CORPORATION 4 5.13% $16,984
    Nations Lending Corporation 4 5.13% $16,107
    Magnolia Bank 3 4.17% $15,182
    SOVEREIGN LENDING GROUP INCORPORATED 3 5.42% $9,175
    VAN DYK MORTGAGE CORPORATION 3 6.42% $10,710
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 3 4.75% $10,500
    SUN WEST MORTGAGE COMPANY, INC. 3 5.71% $8,262
    VERITAS FUNDING, LLC 3 5.54% $17,066
    The Central Trust Bank 3 3.71% $5,945
    NETWORK CAPITAL FUNDING CORPORATION 3 3.21% $6,298
    NATIONS DIRECT MORTGAGE, LLC 3 3.58% $5,799
    The Home Loan Expert LLC 3 5.38% $7,548
    Carrington Mortgage Services, LLC 3 3.50% $11,744
    ZILLOW HOME LOANS, LLC 2 5.63% $13,519
    1ST SIGNATURE LENDING, LLC 2 5.75% $16,936
    AMCAP MORTGAGE, LTD. 2 5.00% $14,531
    AmeriHome Mortgage Company, LLC 2 5.81% $20,652
    Bank of Tennessee 2 4.19% $10,936
    BAY EQUITY LLC 2 6.00% $7,030
    BNC National Bank 2 4.13% $12,800
    COMMUNITY MORTGAGE CORPORATION 2 4.94% $13,962
    CONTOUR MORTGAGE CORPORATION 2 4.94% $12,384
    Equity Prime Mortgage LLC 2 6.44% $9,830
    First Federal Bank 2 3.94% $8,362
    GSF Mortgage Corporation 2 4.63% $6,253
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 4.38% $4,183
    Home Federal Bank of Tennessee 2 4.19% $12,241
    Low VA Rates, LLC 2 4.13% $9,527
    PLAZA HOME MORTGAGE, INC. 2 4.19% $4,549
    Prime Choice Funding Inc. 2 2.94% $2,911
    SOUTHWEST FUNDING, LP 2 5.44% $12,200
    SOUTHWEST STAGE FUNDING, LLC 2 4.56% $2,217
    Strong Home Mortgage, LLC 2 3.81% $15,519
    THRIVE MORTGAGE, LLC 2 5.63% $9,456
    Waterstone Mortgage Corporation 2 6.06% $6,144
    Wyndham Capital Mortgage, Inc. 2 2.50% $13,790
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $12,145
    Princeton Mortgage Corporation 1 7.25% $9,392
    MILEND, INC. 1 6.63% $25,557
    MID AMERICA MORTGAGE, INC. 1 5.63% $4,980
    Meridian Bank Corporation 1 4.75% $22,112
    MEMBER FIRST MORTGAGE, LLC 1 3.13% $5,929
    RESIDENTIAL BANCORP 1 5.50% $8,138
    ROYAL UNITED MORTGAGE LLC 1 5.75% $14,014
    RUOFF MORTGAGE COMPANY, INC. 1 5.75% $14,277
    SeaTrust Mortgage Company 1 4.75% $3,684
    LAND HOME FINANCIAL SERVICES, INC. 1 5.13% $6,921
    Simmons Bank 1 3.88% $3,821
    SIRVA MORTGAGE, INC. 1 3.88% $0
    SmartBank 1 5.75% $3,870
    South State Bank 1 4.75% $11,308
    V.I.P. MORTGAGE, INC. 1 5.50% $3,725
    1st National Bank 1 5.75% $3,073
    LADERA LENDING, INC. 1 3.63% $7,290
    JPMorgan Chase Bank 1 4.75% $1,944
    AMERICAN FINANCING CORPORATION 1 5.50% $4,550
    GVC MORTGAGE, INC. 1 6.75% $10,998
    GUARANTY HOME MORTGAGE CORPORATION 1 2.38% $3,697
    George Mason Mortgage, LLC 1 5.75% $5,360
    GENEVA FINANCIAL, LLC 1 5.25% $44,101
    FINANCE OF AMERICA MORTGAGE LLC 1 4.99% $5,342
    Fifth Third Bank 1 3.75% $3,486
    ALAMEDA MORTGAGE CORPORATION 1 7.13% $9,432
    TIDEWATER MORTGAGE SERVICES, INC. 1 3.25% $6,586
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 2.75% $3,292
    EMBRACE HOME LOANS, INC. 1 3.38% $6,660
    DAS Acquisition Company, LLC 1 5.75% $15,172
    United Community Bank 1 4.50% $9,969
    COMPASS MORTGAGE, INC. 1 5.25% $4,754
    Century Mortgage Company DBA Century Lending Company 1 5.75% $1,866
    CALCON MUTUAL MORTGAGE LLC 1 3.75% $3,760
    BELEM SERVICING LLC 1 3.25% $9,425
    Atlantic Union Bank 1 5.63% $23,765
    NBKC BANK 1 4.25% $9,598
    PHH Mortgage Corporation 1 5.38% $9,690
    PILGRIM MORTGAGE LLC 1 3.50% $5,561
    NBH Bank 1 4.50% $8,371
    NATIONWIDE MORTGAGE BANKERS, INC. 1 4.25% $10,216
    Armed Forces Bank 1 4.50% $16,475
    MMS MORTGAGE SERVICES, LTD. 1 2.25% $3,299
    AMERIFIRST FINANCIAL CORPORATION 1 6.25% $150

    The top Knoxville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 240 VA loans originated. Their average total fees are $7,351, which is $582 higher than the next largest lender, MORTGAGE INVESTORS GROUP, INC..

    The lowest fee Knoxville VA lenders (with over 10 loans originated) are FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($4,761), LAKEVIEW LOAN SERVICING, LLC ($6,521), MORTGAGE SOLUTIONS OF COLORADO, LLC ($6,640), MORTGAGE INVESTORS GROUP, INC. ($6,769) and DHI MORTGAGE COMPANY, LTD. ($7,132).

    The lowest rate Knoxville VA lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC (3.28%), PENNYMAC LOAN SERVICES, LLC (3.52%), CLEARPATH LENDING (3.56%), VILLAGE CAPITAL MORTGAGE (3.73%) and PLANET HOME LENDING, LLC (3.89%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Knoxville (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 $250,230 (13.7%) $347,954 (9.9%) 0.93 3,368
    2018-02-01 $253,850 (10.4%) $353,588 (9.4%) 0.92 3,181
    2018-03-01 $265,000 (11.8%) $374,905 (13.2%) 0.93 3,144
    2018-04-01 $275,225 (10.1%) $383,428 (10.6%) 0.93 3,190
    2018-05-01 $279,900 (12.0%) $391,174 (12.1%) 0.93 3,257
    2018-06-01 $279,900 (12.0%) $391,588 (13.0%) 0.93 3,359
    2018-07-01 $274,900 (10.0%) $386,438 (11.6%) 0.92 3,567
    2018-08-01 $269,900 (8.0%) $379,909 (5.1%) 0.90 3,622
    2018-09-01 $268,000 (5.1%) $377,356 (4.0%) 0.90 3,658
    2018-10-01 $262,515 (5.0%) $376,930 (7.0%) 0.89 3,665
    2018-11-01 $264,900 (3.8%) $382,992 (9.6%) 0.90 3,504
    2018-12-01 $260,000 (4.0%) $376,455 (8.5%) 0.90 3,272
    2019-01-01 $267,000 (6.7%) $377,893 (8.6%) 0.92 2,978
    2019-02-01 $269,675 (6.2%) $382,063 (8.1%) 0.91 2,895
    2019-03-01 $278,529 (5.1%) $385,954 (3.0%) 0.91 2,877
    2019-04-01 $292,450 (6.3%) $391,391 (2.1%) 0.93 2,865
    2019-05-01 $299,450 (7.0%) $396,782 (1.4%) 0.94 2,893
    2019-06-01 $299,900 (7.2%) $398,579 (1.8%) 0.94 2,972
    2019-07-01 $299,925 (9.1%) $405,246 (4.9%) 0.94 2,960
    2019-08-01 $295,845 (9.6%) $403,254 (6.1%) 0.94 2,990
    2019-09-01 $289,688 (8.1%) $396,242 (5.0%) 0.93 3,019
    2019-10-01 $285,000 (8.6%) $390,964 (3.7%) 0.92 3,017
    2019-11-01 $285,000 (7.6%) $399,026 (4.2%) 0.93 2,906
    2019-12-01 $283,450 (9.0%) $397,558 (5.6%) 0.95 2,682
    2020-01-01 $280,950 (5.2%) $405,789 (7.4%) 0.94 2,431
    2020-02-01 $287,145 (6.5%) $414,136 (8.4%) 0.94 2,279
    2020-03-01 $302,450 (8.6%) $424,423 (10.0%) 0.95 2,143
    2020-04-01 $299,950 (2.6%) $414,299 (5.9%) 0.94 2,260
    2020-05-01 $314,810 (5.1%) $429,861 (8.3%) 0.96 2,144
    2020-06-01 $325,000 (8.4%) $446,083 (11.9%) 0.96 1,918
    2020-07-01 $329,900 (10.0%) $454,015 (12.0%) 0.96 1,709
    2020-08-01 $329,999 (11.5%) $445,920 (10.6%) 0.95 1,598
    2020-09-01 $322,700 (11.4%) $441,789 (11.5%) 0.92 1,465
    2020-10-01 $319,900 (12.3%) $441,092 (12.8%) 0.92 1,471
    2020-11-01 $310,000 (8.8%) $442,224 (10.8%) 0.91 1,493
    2020-12-01 $302,463 (6.7%) $435,888 (9.6%) 0.90 1,307
    2021-01-01 $314,000 (11.8%) $448,048 (10.4%) 0.94 1,107
    2021-02-01 $310,000 (8.0%) $461,072 (11.3%) 0.90 836
    2021-03-01 $307,495 (1.7%) $469,664 (10.7%) 0.87 719
    2021-04-01 $327,450 (9.2%) $484,829 (17.0%) 0.89 654
    2021-05-01 $335,000 (6.4%) $479,752 (11.6%) 0.89 743
    2021-06-01 $339,950 (4.6%) $478,874 (7.4%) 0.89 883
    2021-07-01 $325,000 (-1.5%) $460,138 (1.4%) 0.86 1,008
    2021-08-01 $329,950 (0.0%) $479,951 (7.6%) 0.88 1,120
    2021-09-01 $328,725 (1.9%) $484,328 (9.6%) 0.88 1,114
    2021-10-01 $325,000 (1.6%) $488,329 (10.7%) 0.87 1,129
    2021-11-01 $332,450 (7.2%) $506,929 (14.6%) 0.89 1,005
    2021-12-01 $339,450 (12.2%) $515,929 (18.4%) 0.92 837
    2022-01-01 $349,950 (11.5%) $542,096 (21.0%) 0.95 693
    2022-02-01 $375,000 (21.0%) $553,526 (20.1%) 0.98 591
    2022-03-01 $367,450 (19.5%) $544,469 (15.9%) 0.92 668
    2022-04-01 $389,000 (18.8%) $547,857 (13.0%) 0.93 754
    2022-05-01 $399,950 (19.4%) $567,221 (18.2%) 0.91 1,008
    2022-06-01 $399,950 (17.7%) $548,593 (14.6%) 0.89 1,289
    2022-07-01 $415,000 (27.7%) $540,824 (17.5%) 0.93 1,535
    2022-08-01 $413,400 (25.3%) $546,833 (13.9%) 0.96 1,603
    2022-09-01 $422,450 (28.5%) $555,682 (14.7%) 0.99 1,658
    2022-10-01 $425,000 (30.8%) $547,797 (12.2%) 1.00 1,750
    2022-11-01 $425,000 (27.8%) $546,371 (7.8%) 1.02 1,790
    2022-12-01 $429,900 (26.7%) $553,001 (7.2%) 1.06 1,534
    2023-01-01 $440,088 (25.8%) $556,710 (2.7%) 1.09 1,366
    2023-02-01 $454,780 (21.3%) $571,882 (3.3%) 1.10 1,183
    2023-03-01 $469,625 (27.8%) $583,758 (7.2%) 1.11 1,132
    2023-04-01 $480,000 (23.4%) $613,870 (12.1%) 1.12 1,074
    2023-05-01 $484,925 (21.3%) $641,597 (13.1%) 1.10 1,115
    2023-06-01 $475,000 (18.8%) $657,687 (19.9%) 1.07 1,236
    2023-07-01 $475,000 (14.5%) $660,471 (22.1%) 1.08 1,384
    2023-08-01 $481,225 (16.4%) $672,121 (22.9%) 1.11 1,486
    2023-09-01 $475,000 (12.4%) $672,754 (21.1%) 1.11 1,608
    2023-10-01 $474,002 (11.5%) $644,660 (17.7%) 1.12 1,854
    Knoxville's median listing price for 2023-10-01 was $474,002, a difference of $49,002 (11.5%) versus the prior year and $-998 versus the prior month.

    Knoxville's median listing price comes in at 112% of the national average.

    Knoxville's average listing price for 2023-10-01 was $644,660, a difference of $96,863 (17.7%) versus the prior year and $-28,094 versus the prior month.

    For the 2023-10-01 period, Knoxville had 1,854 MLS listings, a difference of 246 listings (15%) versus the prior month and 104 listings (6%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Knoxville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 86 days 2,203 sqft
    2018-02-01 82 days 2,209 sqft
    2018-03-01 66 days 2,276 sqft
    2018-04-01 56 days 2,309 sqft
    2018-05-01 53 days 2,332 sqft
    2018-06-01 55 days 2,324 sqft
    2018-07-01 57 days 2,324 sqft
    2018-08-01 59 days 2,291 sqft
    2018-09-01 63 days 2,271 sqft
    2018-10-01 67 days 2,274 sqft
    2018-11-01 71 days 2,282 sqft
    2018-12-01 78 days 2,241 sqft
    2019-01-01 85 days 2,232 sqft
    2019-02-01 78 days 2,221 sqft
    2019-03-01 66 days 2,267 sqft
    2019-04-01 57 days 2,332 sqft
    2019-05-01 54 days 2,367 sqft
    2019-06-01 57 days 2,388 sqft
    2019-07-01 59 days 2,400 sqft
    2019-08-01 59 days 2,368 sqft
    2019-09-01 60 days 2,321 sqft
    2019-10-01 61 days 2,290 sqft
    2019-11-01 64 days 2,250 sqft
    2019-12-01 74 days 2,224 sqft
    2020-01-01 84 days 2,203 sqft
    2020-02-01 76 days 2,220 sqft
    2020-03-01 58 days 2,270 sqft
    2020-04-01 56 days 2,292 sqft
    2020-05-01 60 days 2,304 sqft
    2020-06-01 58 days 2,310 sqft
    2020-07-01 55 days 2,329 sqft
    2020-08-01 50 days 2,262 sqft
    2020-09-01 50 days 2,225 sqft
    2020-10-01 46 days 2,200 sqft
    2020-11-01 47 days 2,135 sqft
    2020-12-01 55 days 2,082 sqft
    2021-01-01 68 days 2,088 sqft
    2021-02-01 75 days 2,061 sqft
    2021-03-01 46 days 2,003 sqft
    2021-04-01 42 days 2,056 sqft
    2021-05-01 32 days 2,056 sqft
    2021-06-01 32 days 2,084 sqft
    2021-07-01 34 days 2,007 sqft
    2021-08-01 35 days 2,004 sqft
    2021-09-01 39 days 1,994 sqft
    2021-10-01 39 days 1,987 sqft
    2021-11-01 42 days 1,983 sqft
    2021-12-01 46 days 1,976 sqft
    2022-01-01 49 days 2,000 sqft
    2022-02-01 36 days 2,008 sqft
    2022-03-01 27 days 1,982 sqft
    2022-04-01 25 days 2,031 sqft
    2022-05-01 25 days 2,070 sqft
    2022-06-01 29 days 2,115 sqft
    2022-07-01 32 days 2,147 sqft
    2022-08-01 37 days 2,103 sqft
    2022-09-01 41 days 2,127 sqft
    2022-10-01 43 days 2,154 sqft
    2022-11-01 48 days 2,177 sqft
    2022-12-01 59 days 2,182 sqft
    2023-01-01 67 days 2,208 sqft
    2023-02-01 53 days 2,245 sqft
    2023-03-01 45 days 2,230 sqft
    2023-04-01 39 days 2,221 sqft
    2023-05-01 36 days 2,249 sqft
    2023-06-01 36 days 2,237 sqft
    2023-07-01 35 days 2,228 sqft
    2023-08-01 40 days 2,234 sqft
    2023-09-01 42 days 2,200 sqft
    2023-10-01 40 days 2,217 sqft
    Knoxville's median listing age (time on market) for 2023-10-01 was 40 days. This is -7% shorter than the same period one year ago.

    Knoxville's median square footage for active listings during the 2023-10-01 period was 2,217 sqft. One year prior, the average listing was 2,154 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.