How Not To Piss Off the VA Underwriter

Let’s get one thing straight — VA underwriters aren’t the villains trying to crush your home loan dreams. 🏠😤
Most of them want to approve your file — even if it’s borderline. But if you do these three things, you’re practically begging for trouble. 🚫

#1 – Excuse-Filled Letters:
Got late payments or bruised credit? Don’t send a sloppy “sorry-not-sorry” letter full of excuses. 🙄
What they want is simple — a clear, honest explanation:
✅ What happened
✅ Why it happened
✅ Why it won’t happen again

#2 – Incomplete Files:
Missing paperwork = 🚩 Big red flag!
That unexplained job gap, outdated bank statements, or unverified dependents can stall your loan fast.
Remember: every unchecked box slows your approval.

#3 – Mystery Money:
Unverified transfers or random cash deposits? 💰 That’s how underwriters lose sleep.
If you’re moving money around, talk to your loan adviser first before submitting your file.
It’s the difference between Approved ✅ and Denied ❌

💡 Pro tip: Keep your file clean, honest, and transparent. The VA wants to say yes — just don’t give them reasons to hesitate!

🎖️ From one veteran advocate to another — I’m here to help you win the VA loan game the smart way.

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