Vetted VA: VA Loan - Your Journey Home

Colorado veterans have extra consumer protections when buying or refinancing a home—but many borrowers do not know what to look for.In this episode of the Vetted VA: Your Journey Home Podcast,Nathan talks with Victor Malone about Colorado’s tangible net benefit rules, VA refinance safeguards, loan comparisons, termite inspection updates, and why thelowest interest rate is not always the best deal.You’ll learn:✅ What Colorado’s tangible net benefit form is✅ Why VA refinance recoup time matters✅ How bad refis can eat into your equity✅ When VA and conventional loans should be compared✅ Why 20% down does not automatically mean conventional is better✅ What Colorado VA buyers should know about termite inspections✅ Why education matters before choosing a loan

Veterans in Arizona have some big news.In this episode of the Vetted VA Podcast, Marine Corps veteran andloan officer Matt Burkhead explains Arizona's updated 100% disabledveteran property tax exemption, including the removal of income limits andwhat changes take effect on January 1, 2027.

If you're a 100% disabled veteran buying a home inTexas, this may be one of the most important conversations you'll hear before closing.Many veterans don't realize that Texas law allowseligible 100% disabled veterans to receive an immediate property tax exemption on their homestead. Unfortunately, some lenders still calculate loan qualifications incorrectly, potentially reducing buying power and creatingunnecessary stress after closing.In this episode of the Vetted VA Podcast, we discuss:✅ How Texas property tax exemptions work for 100%disabled veterans✅ Why some lenders mistakenly qualify borrowers with taxes included✅ How this can impact debt-to-income ratios and home affordability✅ Why the exemption is available immediately under Texas law✅ Steps veterans can take to ensure their lender handles it correctly✅ The often-overlooked property tax credit veterans receive at closing✅ How to avoid surprise tax bills after purchasing a homeWhether you're preparing to buy your first home,relocating to Texas, or helping veterans navigate the home- buying process, thisepisode provides practical guidance that could save thousands of dollars and prevent costly mistakes.

Moving is stressful enough. Setting up internet,utilities, trash service, movers, and home services shouldn't make it worse.In this episode of the Vetted VA Podcast's Journey Homeseries, host Nathan Nottingham sits down with Tiffany Van Dillen from One Source Home Connect to discuss a little-known service that helps veterans, military families, homebuyers, renters, and homeowners simplify the moving process—allat no cost to the consumer.You'll learn:✅ How One Source Home Connect helps coordinateutilities and home services✅ Why veterans and military families benefit during PCS moves✅ How to compare internet, TV, utility, and home service options without spending hours researching✅ Why the service is completely free to use✅ How homeowners can re-shop services and potentially save money even after they've moved in✅ The concierge-style support available throughout the entire moveWhether you're buying a home with a VA loan, relocatingon military orders, or simply trying to avoid the headaches that come with moving, this conversation offers practical solutions that can save time and reduce stress.

Many veterans qualify for powerful VA loan benefits, but too often theyare not fully educated on how those benefits work.In this episode of the Vetted VA: Your Journey Home Podcast, we break down key VA loan lessons every veteran, service member, military spouse, and real estate professional should understand before buying a home.You’ll learn:✅ Why VA loan education matters before making an offer✅ How to choose mortgage professionals you can trust✅ Why hard news should be shared early in the loan process✅ What veterans should disclose upfront to avoid delays✅ How non-borrowing spouse debt may be handled on a VA loan✅ Why “show me what yes looks like” is a better approach than a simple noThe goal is simple: help veterans understand the VA loan process, askbetter questions, and work with professionals who know how to guide them theright way.

In this episode of The Journey Home,Nathan from Vetted VA sits down with Michigan mortgage broker Chris Thomas todiscuss one of the most valuable benefits available to disabled veterans inMichigan: The Disabled Veteran Property Tax Exemption.They cover:✅ How the Michigan property tax exemption works for 100% disabled veterans✅ Why removing property taxes from escrow could save you money and hassle✅ Common VA loan pitfalls involving well water testing and inspections✅ How lenders handle property tax exemptions during qualification✅ Michigan's recent updates to the property tax exemption process✅ What veterans need to know when converting a primary residence into a rentalproperty✅ Why working with a lender licensed in your state mattersIf you're a veteran buying a home in Michigan or usingyour VA loan benefit, this conversation can help you avoid costly surprises andbetter understand your options.

On this episode of Your Journey Home, we focus on the big-picture strategy behind using a VA loan during a PCS move. Relocations create fast decisions that can either build long-term wealth or create unnecessary stress — and having a plan makes all the difference.We walk through buying versus renting, handling an existing home, entitlement considerations, and how to think strategically when you may move again in just a few years.In this episode, you’ll learn: - How to evaluate buying versus renting during a PCS - What to consider if you already own a home - How entitlement and timelines impact buying decisions - Why planning for future moves matters when purchasing today - How to build a trusted team to guide relocation decisionsWho this episode is for: Active duty service members, military families, and veterans preparing for relocation who want to make confident VA loan decisions.Your journey home isn’t just about buying or selling — it’s about making informed decisions with the right team beside you.

On this episode of Your Journey Home, we tackle one of the biggest sources of confusion for homeowners: escrow accounts. Many buyers are surprised when their mortgage payment changes even though their interest rate hasn’t — and escrow is usually the reason why.We explain how escrow accounts work, why taxes and insurance cause payment fluctuations, and what homeowners can do to stay ahead of surprises.In this episode, you’ll learn: - What an escrow (impound) account actually is - How taxes and insurance affect your monthly payment - Why payment increases happen even with fixed-rate loans - What an annual escrow analysis looks like - Pros and cons of waiving escrow when availableWho this episode is for: Veterans, homeowners, and first-time buyers who want to better understand their mortgage payment and avoid escrow surprises.Your journey home isn’t just about buying or selling — it’s about making informed decisions with the right team beside you.

On this episode of Your Journey Home, we break down what a real pre-approval actually looks like — and why skipping steps early can lead to rejected offers or delayed closings later. Pre-approval is more than just getting a letter; it’s a process designed to set buyers up for success.We walk through what lenders should verify upfront and why communication and documentation matter long before you start touring homes.In this episode, you’ll learn: - The difference between pre-qualification and true pre-approval - What documents lenders should actually review - Why verification and underwriting preparation matter - How strong pre-approvals strengthen offers - Common mistakes buyers make during the processWho this episode is for: Veterans and homebuyers who want to enter the market prepared and avoid financing surprises.Your journey home isn’t just about buying or selling — it’s about making informed decisions with the right team beside you.

On this episode of Your Journey Home, we break down one of the most misunderstood parts of the homebuying process: buying power. Too many buyers focus only on the number on a pre-approval letter without truly understanding what drives affordability or how monthly payments are built. This episode focuses on helping buyers understand the real factors behind what they can comfortably purchase — not just what they technically qualify for.We walk through how income, debts, taxes, insurance, and lifestyle goals all play a role in determining purchasing power, and why clarity early in the process leads to stronger offers and smarter long-term decisions.In this episode, you’ll learn: - What buying power actually means beyond a maximum pre-approval number - How monthly payments are really calculated - The difference between lender limits and personal comfort limits - Why taxes, insurance, and location dramatically impact affordability - How understanding your numbers early prevents costly mistakes laterWho this episode is for: Veterans, active duty service members, military families, and homebuyers who want to confidently understand their budget before starting the search.Your journey home isn’t just about buying or selling — it’s about making informed decisions with the right team beside you.

On this episode of Your Journey Home, we clear up one of the most common sources of confusion around VA loans: credit scores. Many buyers assume a specific number guarantees approval or denial, but the reality is much more nuanced.We explain how lenders actually evaluate credit, what factors matter beyond the score itself, and how buyers can position themselves for success even if their credit isn’t perfect.In this episode, you’ll learn: - How credit scores are evaluated in VA lending - Why payment history and debt structure matter as much as the score - Common myths about minimum credit requirements - How lenders view compensating factors and overall financial picture - Practical steps buyers can take to strengthen their fileWho this episode is for: Veterans and military families who want to understand how credit affects VA loan approvals and what to focus on before applying.Your journey home isn’t just about buying or selling — it’s about making informed decisions with the right team beside you.

On this episode of Your Journey Home, we break down a topic that comes up constantly when veterans feel priced out of their market or can’t find the right property: the VA One-Time Close (OTC) construction loan. If you’ve ever thought about buying land and building from scratch, this conversation highlights both the opportunities and the realities.We walk through what an OTC loan actually is, why many buyers underestimate the complexity, and what it takes to successfully build using VA financing.In this episode, you’ll learn: - What a VA One-Time Close construction loan is and how it works - How land, construction costs, and financing are combined into one loan - Why rates and costs can feel higher compared to traditional purchases - How appraisals work for homes that aren’t built yet - Why builder approval and documentation are critical to success - What happens during construction after closingWho this episode is for: Veterans and military families exploring VA construction financing, buying land, or considering building instead of buying existing homes.Your journey home isn’t just about buying or selling — it’s about making informed decisions with the right team beside you.

On this episode of Your Journey Home, we tackle one of the biggest stress points military families face: preparing for a PCS move in a challenging housing market. Timing, uncertainty, and fast-moving decisions can make relocation overwhelming — especially when deciding whether to rent or buy in a new area.We discuss how to prepare financially and strategically before arriving at your next duty station, how current market conditions change decision-making, and why planning early makes the entire process smoother.In this episode, you’ll learn: - How to prepare financially before a PCS move - Key factors when deciding whether to rent or buy - Why market conditions matter more than headlines suggest - How early planning can reduce stress and avoid rushed decisions - The importance of building a trusted real estate and lender team earlyWho this episode is for: Military families and service members preparing for relocation who want to make smart housing decisions in today’s market.

On this episode of Your Journey Home, we focus on what makes a VA offer strong in the eyes of sellers. In competitive markets, preparation and strategy often matter more than price alone, and understanding how to present a clean, confident offer can make all the difference.We cover the steps buyers can take to reduce uncertainty and make their offers easier for sellers to accept.In this episode, you’ll learn: - What sellers and listing agents look for in an offer - How preparation strengthens VA offers - Why communication between lender and agents matters - Common misconceptions sellers have about VA loans - Strategies that increase offer confidence without overpayingWho this episode is for: Veterans and military buyers who want to compete successfully in today’s housing market using VA financing.Your journey home isn’t just about buying or selling — it’s about making informed decisions with the right team beside you.

On this episode of Your Journey Home, we break down VA bonus entitlement — a strategy many veterans don’t realize they can use to purchase another home while keeping their current VA loan in place.We explain how entitlement works, when bonus entitlement applies, and how military moves can create opportunities to build flexibility through smart use of your benefits.In this episode, you’ll learn: - What VA bonus entitlement actually means - How veterans can potentially own more than one home with VA financing - What determines how much entitlement you have available - Common scenarios where bonus entitlement is used during relocations - Key considerations before buying another homeWho this episode is for: Veterans and active duty service members who already own a home and are considering purchasing again with a VA loan.Your journey home isn’t just about buying or selling — it’s about making informed decisions with the right team beside you.

Mortgage Loan Officer | Military Spouse Advocate | Vetted VA LeaderJaime Rhude is a passionate and experienced mortgage loan officer based on Florida’s Space Coast, where rocket launches are as common as her dedication to helping veterans and military families find their perfect home. With a vibrant personality and deep empathy rooted in her life as a 24-year military spouse, Jaime brings a rare blend of personal experience and professional expertise to the VA loan process.Jaime entered the mortgage industry in 2019 after transitioning from a career in the casino and banking industries. Her journey into lending began when, after multiple PCS moves and career disruptions, she was mentored by a VA loan expert who recognized Jaime’s heart for service and her potential to make an impact in the real estate finance world. Since then, she’s become a trusted voice for military families navigating homeownership.A proud member and squad leader within the Vetted VA community, Jaime dedicates her time to educating, mentoring, and guiding both clients and fellow professionals. Her work is fueled by personal insight—she's lived the challenges of PCS moves, geo-baching, raising kids solo during deployments, and balancing work with family life. She's also used the VA loan multiple times herself, from buying a resale home in Indiana to building a dream home in Florida.Jaime specializes in building trust and offering clear education about the VA loan—often busting myths like “you can only use it once” or “there’s a loan limit.” She’s known for her hands-on approach, whether she's helping a first-time homebuyer overseas or mentoring another military spouse who’s trying to find flexible, meaningful work.Connect with Jaime Rhude:⁠(321) [email protected]://crosscountrymortgage.com/melbourne-fl-8345/jaime-rhude/

With nearly two decades in the mortgage industry, Jason York has built a reputation as a servant leader and a relentless advocate for veteran homeownership. Starting his career when his first son was just a month old, Jason quickly found his purpose in serving military families—a passion that has shaped every aspect of his professional journey.Jason spent over 15 years at GoPrime Mortgage, where he established himself as a trusted authority on VA loans under the mentorship of veteran and company owner John Rodgers. His deep expertise, attention to detail, and heart-of-a-teacher mindset led him to become a go-to VA resource across the company and beyond.In 2022, Jason co-founded Oval Mortgage, a boutique wholesale lender specializing exclusively in VA loans. Oval—short for "Only VA Loans"—was born out of a desire to create a better platform for loan officers and brokers serving the veteran community. Under Jason’s leadership, Oval Mortgage focuses on solving pain points that traditional lenders overlook, providing underwriter-level VA knowledge, and making common-sense decisions that honor the VA handbook and the people it’s designed to serve.Known for his humility, integrity, and relentless pursuit of answers, Jason doesn’t just manage loans—he builds partnerships. Whether guiding first-time VA loan officers, collaborating with underwriters, or educating real estate agents, he brings clarity and confidence to complex transactions. He’s also a proud Vetted VA moderator, deeply involved in professional training and veteran advocacy.Based in Virginia, Jason balances his professional drive with family life, often seen at Vetted VA summer camp events with his sons—and yes, they’re all sharpshooters. His legacy is built not just on the loans he’s closed, but on the veterans he’s empowered and the professionals he’s mentored along the way.Connect with Jason York- ⁠⁠⁠⁠(757) [email protected]://www.goprime.com/loan-officers/jason-york/

Gary Foote is a dual-licensed real estate agent and mortgage professional serving clients in both Tennessee and California. With over 15 years of experience in housing and ministry, Gary brings a service-first mindset to every transaction. He began his career out of necessity during the 2009 housing crash and found purpose in helping others through their most vulnerable transitions, especially veterans and families facing challenges like his own.Known for his calm presence, big-picture thinking, and relentless advocacy, Gary doesn’t just close deals—he solves problems. Whether it’s moving a client out of danger overnight, navigating complex VA loan approvals, or flying cross-country to serve longtime clients, Gary shows up. He specializes in helping veterans and first-time buyers find clarity and confidence through homeownership.Now a key part of the Vetted VA leadership team, Gary combines deep industry knowledge with a steady hand and a genuine heart for people. His passion lies in making the complex simple and supporting others with honesty, accountability, and care.Connect with Gary Foote- ⁠⁠⁠⁠(615) 801-8073⁠[email protected]://homewithgaryfoote.com/vettedva/

Dallas Hidalgo is a Colorado-based real estate agent and founder of Ohana Style Realty, where every client is treated like family. With deep roots in both California and Hawaii, Dallas brings a warm, people-first approach to real estate, built on years of experience in construction, property management, and mortgage credit education. His background gives him a rare, full-circle view of the homebuying process — from foundation to financing.Before real estate, Dallas spent 16 years as a sailboat captain off Waikiki Beach, learning how to connect with people from all walks of life. That same love for storytelling and service now shapes how he guides clients through one of the biggest purchases of their lives. A longtime jiu-jitsu practitioner, he also discovered a passion for teaching — a skill he brings into every client relationship and educational event.Though he didn’t serve in the military, Dallas is fiercely committed to supporting those who did. As a moderator and educator with Vetted VA, he focuses on helping veterans and active-duty service members understand and maximize their VA loan benefits. He’s especially skilled at demystifying the process, correcting misinformation, and ensuring his clients are fully informed and empowered.From helping PCS families list and sell with confidence, to co-hosting “Whiskey Tango Finance,” a local no-sales financial Q&A event, Dallas leads with knowledge, kindness, and authenticity. He lives by the Hawaiian value of ohana — that nobody gets left behind — and it shows in everything he does.Connect with Dallas Hidalgo- ⁠⁠⁠⁠(303) 476-3081⁠[email protected]⁠⁠https://ohanastylerealty.com/

Brendan McKay is the founder and president of McKay Mortgage, an independent mortgage brokerage based in Bethesda, Maryland, co-founded with his mother, industry veteran Tina McKay. What began as a family business has grown into a mission-driven operation that prioritizes excellence, transparency, and advocacy—especially in serving America’s veteran community.Brendan is a nationally recognized advocate for responsible VA lending and a leading voice in mortgage industry reform. With a passion for solving complex problems and a deep commitment to truth and justice, Brendan has helped spearhead major legislative efforts that improve access to housing benefits for disabled veterans. These include successful campaigns to expand pre-closing tax exemptions across multiple states and ongoing work to refine VA underwriting guidelines.He is also a founding leader of the Broker Action Coalition (BAC), a grassroots movement dedicated to amplifying the voice of independent mortgage brokers in Washington, D.C. Under his leadership, BAC has played a pivotal role in ending exploitative practices like trigger leads, and continues to champion pro-consumer, pro-veteran policies.A self-described problem-solver with a sharp operational background, Brendan is known for his advocacy work, fierce client loyalty, and unshakable dedication to getting veterans into homes using the benefits they've earned. He proudly serves as the Legislative Voice for Vetted VA, helping shape and support legislative efforts that protect and empower veteran homebuyers nationwide.When he’s not leading change on Capitol Hill or helping clients secure the best mortgage solutions, Brendan enjoys sharing insights with the Vetted VA community and elevating industry standards one loan—and one law—at a time.Connect with Brendan McKay- ⁠⁠⁠⁠(301) 520-5677⁠[email protected]⁠⁠https://mckaymortgageco.com/

Aaron Clark – Serving Those Who Serve with Integrity and GritAaron Clark is a U.S. Marine Corps veteran, 27-year firefighter, and founder of Firehouse Mortgage, a Texas-based brokerage dedicated to helping fellow veterans and public servants achieve homeownership through the VA loan benefit.Based in the Houston area, Aaron is a trusted Vetted VA moderator, known for his straight-talking, no-nonsense approach to lending. With a deep commitment to education, integrity, and doing what’s right—not what’s easy—Aaron has become a go-to resource for veterans navigating complex or misunderstood aspects of VA loans.Aaron’s philosophy is simple: “Teach first, serve always.” Whether he’s coaching a borrower through a long-term game plan or helping a colleague better understand VA residual income rules, his focus remains on empowering others with knowledge and treating every veteran like family.Alongside his wife Rachel, a fellow public servant and former compliance lead, Aaron leads a small team of fellow firefighters, paramedics, and educators—all committed to serving their communities both in and out of uniform. Together, they close over 80 VA loans a year, often stepping in to rescue deals denied elsewhere.When he’s not closing loans or teaching VA lending strategies, you’ll likely find Aaron in a fire engine, in a classroom, or at a political advocacy event supporting veteran housing rights. For Aaron, mortgages aren't just a job—they’re another way to serve.Connect with Aaron Clark- ⁠(832) [email protected]⁠https://www.firehousemortgage.net/

Jason Sharon – Closing the Gaps Others MissJason Sharon is a 20-year Navy veteran turned mortgage expert who specializes in solving the toughest VA loan challenges. Based in Charleston, South Carolina and licensed across the Southeast, Jason is a longtime Vetted VA moderator and one of the earliest adopters of its mission to serve veterans with accuracy and care.Known for his mastery of VA guidelines and a systems-based approach, Jason is often the last call borrowers make after being turned down—closing over 40 previously denied loans last year alone. He packages every file with precision, empathy, and a clear narrative, ensuring underwriters get the full picture, not just the paperwork.Beyond the numbers, Jason is a proud Navy dad, published author, and dedicated trainer, helping both consumers and professionals navigate VA lending with confidence. For him, it’s not just about closing loans—it’s about opening doors to homeownership for those who’ve served.Connect with Jason Sharon- (843) [email protected]://www.homeloansinc.com

Clyde Penton – Helping Veterans Find Home, One Conversation at a TimeClyde Penton never set out to work in mortgages—it found him. Back in 2002, a friend suggested he give it a shot. With no background in the business and even less knowledge of the VA home loan, Clyde took a chance. Like many, he stumbled his way in, took a break during the housing crash, and came back in 2012 with a fresh perspective—and a purpose.That’s when everything changed.Working for a company focused solely on VA loans, Clyde had his first real conversations with veterans about their service, their dreams, and their homes. It wasn’t just paperwork—it was heart work. And as a Navy brat himself (his dad served over 22 years), it struck a chord. He realized something: even growing up in a military household, he had never heard about the VA home loan. That gap in knowledge lit a fire in him.Since then, Clyde’s spent more than a decade dedicated to helping veterans and service members understand and use one of the most powerful tools they have—the VA home loan benefit. And over the past seven years, as part of the Vetted VA team, he’s become a trusted voice in the space, combining deep technical knowledge with genuine care for the people he serves.But Clyde’s not just a mortgage guy.He’s a husband, a proud girl dad to four incredible daughters (from high school to grad school), and a budding homesteader with a love for rabbits, good BBQ, and a slower pace of life on his five-acre Georgia property. He’s building a life that feels rooted—and helping others do the same. Whether it’s on TikTok through his “BBQ & Home Buying” channel or answering questions in the Vetted VA Facebook group, Clyde shows up with humility, humor, and a whole lot of heart.For him, it’s not just about helping people buy houses—it’s about helping them feel at home.Connect with Clyde Penton: (404) [email protected]://www.clydethemortgageguy.com/

Randy Teakell – Texas Loan Pro, Veteran Advocate, and All-Around Good GuyIf you’ve spent any time in the Vetted VA community, there’s a good chance you’ve come across Randy Teakell—offering guidance, answering questions, or sharing a story that somehow brings a complicated VA loan scenario down to earth. Based in Celina, Texas (just north of Dallas), Randy’s one of those rare people who makes you feel like you’re in good hands from the moment you meet him—and you are.Randy was the first person to complete the original Vetted VA testing back in 2020, setting the tone for what it means to be both informed and committed. But his roots in service go way deeper. Whether it’s helping a fellow Texan or guiding a service member across the country, Randy’s focus has always been simple: help people get what they’ve earned and make sure they’re treated right along the way.His journey into the mortgage world wasn’t straight and narrow—he came in through finance and collections, where he quickly realized that restructuring loans and relieving financial stress wasn’t just rewarding, it was life-changing. That belief still fuels everything he does.Randy’s not just a mortgage expert—he’s a husband, a father, and a proud grandfather. He raises champion Golden Retrievers (seriously, they’ve won titles) and keeps a herd of Nigerian dwarf goats that, yes, he absolutely adores. His approach to both his animals and his clients is the same: invest the time, do it the right way, and treat each one with care.In his classes, Randy helps real estate agents unlearn old myths about VA loans. He once had a seasoned broker realize after one session that he’d been rejecting VA offers for 20 years—just because he didn’t know any better. Randy’s mission is to change that—one conversation, one class, one borrower at a time.Above all, Randy believes in doing right by people—especially veterans and service-disabled buyers who are too often overlooked or misunderstood in this process. If there’s a way to make it better, simpler, or fairer, you can count on Randy to find it—and then share it with everyone else.You’ll find Randy on Facebook (it might as well be his second office), in the Vetted VA groups, out teaching across Texas, or maybe just in a field somewhere training his next four-legged champion. But no matter where he is, you can be sure of one thing: he’s doing it with heart.Connect with Randy: [email protected]://randyteakellmortgage.com/

Shaun Hamman isn’t just a mortgage pro—he’s a Marine, a mentor, a relentless learner, and someone who never stops giving back to the veteran community he proudly belongs to.With years of experience crisscrossing the East Coast in both life and career, Shaun’s seen the mortgage industry from nearly every angle. He’s been a broker, a lender, a product creator, and now a leader at American Financial Network (AFA), where he helps shape the company’s VA lending strategy and growth. Along the way, he’s earned a reputation as the go-to guy for VA construction loans—especially the tricky-but-powerful One-Time Close (OTC) loan. If someone in the Vetted VA community says, “I want to build a house,” chances are they’re told, “You need to talk to Shaun.”What makes Shaun stand out isn’t just what he knows—it’s how he shows up. He’s not one to gatekeep information. Instead, he rolls up his sleeves, jumps into the Vetted VA Facebook group, and helps veterans understand their VA loan benefits without the sales pitch. He’s taught classes, answered thousands of questions, and led peer groups as a squad leader. Shaun’s the kind of guy who will challenge you to know more, do more, and expect more—because he genuinely cares about helping veterans make informed, confident choices about homeownership.Outside of the mortgage world, Shaun’s a family man who still keeps a Marine-level fitness standard (partially to keep his golf game sharp, and maybe to win a bet or two). He’s grounded, approachable, and passionate about doing the right thing—even when no one’s watching.Whether you’re a first-time homebuyer or trying to build from the ground up, Shaun Hamman is someone you want in your corner. He’s walked the walk, and now he’s here to help others find their way home.Connect with Shaun Hamman:⁠(201) [email protected]://wisehome.loans/

Alexis Brown is not your average real estate agent. Based in Memphis, Tennessee, Alexis brings unmatched heart, hustle, and humor to every transaction. A proud Navy spouse and California native turned Southern transplant, Alexis knows firsthand the challenges of military life—and she’s made it her mission to make homeownership feel a little more like home for the families she serves.Her real estate journey began with a car ride and a conversation: one agent saw her gift of connection and passion for people and said, “You’d be amazing in real estate.” He was right. Now, with nearly a decade of experience and a portfolio full of first-time buyers, VA home loan wins, and expertly staged listings (thanks to her beloved red Ford Flex, “Juicy”), Alexis is a trusted name in the Mid-South housing market.Alexis is a specialist in VA loan transactions—not just because she’s studied the VA handbook chapter by chapter (though she has), but because she lives the life her clients are living. Having PCS’d from Japan to Tennessee, she’s been the spouse at the Navy Lodge wondering how to navigate a new town, and now she helps others do the same with grace, grit, and a smile.Her home is a curated reflection of her life abroad, filled with treasures like Fukagawa porcelain and rare World War II relics she dug up herself. Her personality is as bold as her lip collection and as colorful as her stories. Whether she’s advocating for VA buyers in a tough market, managing Vetted VA’s member approval squad with integrity, or helping a client fall in love with a house via FaceTime—Alexis leads with service, smarts, and soul.She says it best herself: “Don’t make a move if it doesn’t feel right for you.” And if it does? Let Alexis make it feel like home.Connect with Alexis Brown:⁠(901) 687-8054⁠[email protected]://www.alexisbrownhomes.com/

Adam Baumlein is the kind of mortgage professional who leads with heart. Born and raised in small-town Northwest Ohio, Adam’s journey into the mortgage world started almost by accident after transferring to Ohio State in 2004. But once he found lending, he never looked back. Now with over 20 years of experience—spanning big banks, brokerage firms, and now as co-owner of Stratton Mortgage—Adam has seen the highs and lows of the housing industry and stayed committed through it all.What really lit a fire in him, though, was something personal: seeing his own brother—an active-duty service member—get taken advantage of during a cross-country PCS move. That moment changed everything. Adam dove deep into the VA loan program, determined to make sure no veteran or military family had to go through that kind of experience again. Since then, helping veterans has become more than just part of his job—it’s his mission. Adam is an early and active member of Vetted VA, a community of vetted mortgage and real estate professionals who are passionate about getting it right for military families. He’s known for always picking up the phone, whether it’s a fellow lender with a tough VA question or a veteran from across the country just looking for honest advice. He believes in educating first—no pressure, just real help.Still proudly based in Columbus, Adam works closely with buyers all across Ohio (and beyond) and leads with the values that matter most: transparency, compassion, and doing the right thing—even when no one’s watching.Outside of work, you’ll find him cheering for Ohio State, spending time with family, and continuing to advocate for better homebuying experiences for those who’ve served.Connect with Adam Baumlein:⁠(614) 306-3431⁠[email protected]://strattonmortgage.com/vettedva/

Andy Treno, known affectionately as The Loan Goalie, is a seasoned mortgage professional based in Minnesota with over 15 years of experience helping clients navigate home financing. Standing tall in both stature (6'3") and personality, Andy blends his background in finance, his family's legacy in mortgage, and his commitment to ethical lending into a career focused on education, transparency, and doing right by the borrower.After earning his degree in Finance and Real Estate and a short stint working in the banking world, Andy quickly realized the limitations of a one-size-fits-all lending model. He pivoted into the broker channel, where he found greater freedom to serve clients with personalized solutions. Since 2009, he’s built a reputation for cutting through industry noise and advocating for veterans, particularly in the VA home loan space.Now with Edge Home Finance, Andy runs his business with the independence of a solo practitioner but the support of a best-in-class brokerage. He is deeply engaged with the Vetted VA community, helping veterans understand and leverage their VA home loan benefits. Known for his straight talk and educational approach, Andy is often the go-to guy for complex entitlement scenarios, particularly for veterans looking to use their VA loan benefit more than once.Beyond mortgages, Andy is a husband, father, former hockey player, and current coach. He volunteers in youth hockey and on local boards, always diving in headfirst to give back. Whether he's in the office or at the rink, Andy brings the same level of care and commitment to every conversation.Connect with Andy Treno:⁠(952) [email protected]://andytreno.com/vettedva

Claudia Overson is a dedicated real estate agent based in Apple Valley, California, serving the broader High Desert region with passion and expertise. A licensed agent since 2006, Claudia’s journey in real estate began in 2001, inspired by her early work in marketing and administration for real estate offices. Over the years, her commitment to service has only grown stronger, especially toward military families and veterans.Claudia’s firsthand experience living among military communities, including her time in Hawaii while her former spouse was stationed at Marine Corps Base Hawaii, deepened her understanding of the sacrifices veterans make. Today, she is a fierce advocate for helping veterans and active-duty service members achieve homeownership, specializing in VA loans, CalVet loans, and other supportive homebuying solutions.In addition to her real estate work with Coldwell Banker Home Source, Claudia volunteers extensively with organizations like the Disabled American Veterans (DAV), local veteran outreach programs, and Gold Star family support groups. She generously dedicates her time to answer questions, educate veterans about their earned benefits, and offer planning guidance—whether or not someone is immediately ready to buy a home.Claudia is also known for her approachable, educational content on platforms like TikTok as part of the Vetted VA community, where she helps demystify the VA loan process. Her marketing background, deep knowledge of veteran resources, and genuine heart for service make her a trusted and powerful ally for veterans looking to navigate the real estate world.If you need a real estate professional in California who will stand with you, educate you, and advocate for your best interests, Claudia Overson is the one you want by your side.Connect with Claudia Overson:⁠(760) 662 -9388⁠[email protected]://linktr.ee/hdhomefinder

Byron Thomas is a dynamic mortgage professional, Army veteran, and educator dedicated to empowering fellow veterans through homeownership. Born and raised in Seattle, Washington, Byron brings a no-nonsense, high-accountability approach to mortgage lending—rooted in over 16 years of service in the U.S. Army Infantry, where he enlisted just weeks before 9/11 and went on to deploy multiple times.After retiring from active duty, Byron transitioned into mortgage lending with the mentorship of fellow Vetted VA pro Jessica Wells. What began as a leap of faith quickly turned into a passion. Known for his ability to break down complex loan concepts into real-world language, Byron is especially gifted at guiding clients with credit challenges or misconceptions about VA loans. His own experience—rising from credit struggles to successful homeownership—fuels his determination to help others do the same.Byron co-hosts engaging VA loan education events like "VA Lingo Bingo," where veterans learn about entitlement, credit, and home financing in fun, low-pressure environments. He’s also a creative content producer, using humor and character-driven videos on YouTube and TikTok under the “Rates & Racing” brand to educate and entertain.Whether he’s on the drag strip with his souped-up 2010 SRT8, leading Vetted VA squad moderators, or walking a fellow veteran through a manual underwrite for a jumbo VA loan, Byron shows up with heart, hustle, and unmatched drive. If you're a veteran seeking honest answers and real results in the homebuying process, Byron is the guy you want in your corner.Connect with Byron Thomas:(253) 306-0367⁠[email protected]⁠https://www.byronthomasmortgage.com

Gay Veale is a retired Air Force veteran and a passionate loan officer based in Colorado Springs. After serving her country, Gay transitioned into the mortgage industry with a mission to serve her fellow veterans by helping them use their VA home loan benefits to their fullest potential.Motivated by a desire to make a real impact, Gay left the defense contracting world to become a loan officer—despite her initial hesitation about entering a sales-driven profession. What she discovered was a calling: empowering veterans with education, advocacy, and ethical lending practices. From her first VA refinance during the boom, Gay has been driven by a singular purpose—to ensure veterans are not taken advantage of in a complex and often predatory lending environment.Gay is a core member of Vetted VA, where she holds the distinguished rank of VA7, a top-tier leadership position recognizing her commitment to education, support, and integrity in serving veterans. Through Vetted VA, she not only provides direct assistance but also teaches veterans, agents, and other lenders about the intricacies of the VA loan system. Her favorite part of the job is helping veterans understand their benefits.In addition to her work with Vetted VA, Gay serves as the Government Affairs Director for the Colorado Springs chapter of VAREP (Veterans Association of Real Estate Professionals), and is the head of the Veteran Homeownership Committee for the Broker Action Coalition, where she champions consumer-first legislation and veterans’ property tax reforms.Known for her direct approach, compassionate leadership, and deep commitment to service, Gay believes in educating the entire housing ecosystem—not just veterans—to improve outcomes and empower homeownership.Whether she’s testifying on Capitol Hill, reviewing a veteran’s loan estimate, or flying to Alaska to educate military families, Gay’s mission remains the same: to serve those who have served.Connect with Gay Veale:⁠(575) 442-3642⁠[email protected]⁠https://epochlending.com/team-member/gay-veale/

Jason Rivera is a Navy Veteran who chose to pursue a career as a real estate agent after the Navy. He brings a deeply personal and passionate perspective to helping veterans navigate homeownership. Raised in Southern California and having served aboard submarines, Jason’s own experience with financial hardship and misinformation around the VA loan has become the driving force behind his advocacy for education and empowerment in the veteran community.After being told he was “too young” to buy his first home, Jason eventually endured a rocky start to real estate with a high-risk loan during the 2007 housing crisis. However, it was these early challenges that fueled his determination to break the cycle of misunderstanding around VA loan benefits. His career pivot began informally—guiding coworkers toward smarter financial decisions and encouraging them to buy rather than rent. That sense of purpose led Jason and his wife to build a real estate business rooted in service, strategy, and support.Jason specializes in working with active-duty military and veteran buyers in the competitive San Diego market. He’s especially known for helping clients leverage VA loan entitlements—often explaining complex topics like bonus entitlement, multifamily investment strategies, and market timing with clarity and approachability. Beyond one-on-one service, Jason actively teaches live classes, moderates educational groups, and contributes to the Vetted VA community where he's a respected leader and mentor.His mission is simple but powerful: help veterans build generational wealth through homeownership by giving them the education and options they were never offered before.Connect with Jason Rivera:(760) [email protected]://legacyrealtynetwork.com/vetted-va/

Victor Malone is a 27-year Navy veteran turned mortgage professional who brings precision, integrity, and a deep understanding of service to the world of home lending. Having lived in over 40 different homes during his military career, Vic knows firsthand the challenges and complexities service members face when it comes to homeownership.Following his retirement from the Navy in 2012—where he served as a propulsion plant operator, navigator, and engineer on submarines—Victor initially planned to work as a defense contractor. But after losing his home in a wildfire and navigating the rebuilding process, he encountered the mortgage world from the borrower’s side. That experience, combined with his analytical mindset and commitment to service, led him to become a licensed mortgage broker.Since founding Peak Seven Mortgage in 2015, Victor has dedicated his career to helping fellow veterans, active-duty members, and first-time homebuyers understand and maximize their VA loan benefits. Known for his straightforward, educational approach, Victor excels at breaking down complex topics like funding fees, yield spreads, and loan structures to empower borrowers to make informed decisions.He is an active moderator in the Vetted VA community, where he supports veterans and professionals alike with honest advice, strategic insights, and a collaborative spirit. Vic’s commitment to excellence and education ensures that every client he works with feels supported, understood, and well-informed on their journey to homeownership.Whether he's comparing loan scenarios or advocating for responsible lending practices, Vic leads with heart, humor, and a deep respect for those who serve.Connect with Victor Malone: (719) [email protected]://peaksevenmortgage.com

Mike Alberico is a dedicated mortgage professional and business owner based in North Carolina, with a passion for serving veterans, active-duty service members, and their families. His journey into the mortgage industry began in 2012, after a career in hospitality management. Recognizing the opportunity to build a business that provided real value to homebuyers, he transitioned into mortgage lending and has since become a leading expert in VA home loans.As a veteran advocate, Mike is committed to ensuring military families receive the benefits they’ve earned. His passion for education and ethical lending was ignited early in his career when he noticed significant discrepancies in loan costs for veterans. Determined to protect those who serve, he immersed himself in VA loan education, ultimately becoming a trusted resource for military homebuyers and real estate professionals alike.Mike actively educates real estate agents, homebuyers, and lenders on the advantages of VA loans, dispelling myths and misconceptions about the program. He frequently speaks at industry events, trains professionals on VA lending guidelines, and participates in Vetted VA’s nationwide efforts to improve awareness and accessibility of VA loans. His expertise extends to reviewing loan estimates, ensuring veterans aren’t overcharged, and advocating for policies that benefit military families.Beyond his work in lending, Mike is deeply involved in his local community and works closely with organizations dedicated to supporting veterans. His dedication has made him a go-to expert for VA financing, and his commitment to fairness, transparency, and service excellence continues to impact countless families seeking homeownership.His mission is simple: to educate, advocate, and ensure that those who served our country receive the home loan benefits they rightfully deserve.Connect with Mike Alberico (910) [email protected]://carolinamortgageadvisors.com/

Jessica Wells is a dedicated mortgage professional with many years of experience in the industry. Based in Washington, Jessica specializes in VA loans, ensuring that veterans and active duty service members fully understand and maximize their hard-earned home loan benefits.Her journey in the mortgage world began unexpectedly at age 19, when she was thrown into loan processing with no prior experience. Through perseverance, self-education, and a passion for helping others, she built a career centered on knowledge, advocacy, and transparency. As a member of Vetted VA, Jessica has undergone extensive training to master VA lending guidelines and now serves as a trusted resource for both borrowers and fellow professionals.Beyond her work in lending, Jessica is a natural educator. Whether she’s creating in-depth video explanations for her clients, leading engaging VA loan workshops featuring "VA Lingo Bingo," or supporting her colleagues with detailed guidance, her focus remains on making the homebuying process clearer and more accessible. She believes in empowering homebuyers with the right information, ensuring they make the best decisions for their financial future.Now a key part of Be My Neighbor Mortgage, Jessica continues to expand her impact by lending in multiple states and supporting other loan officers with her expertise. Her approach is rooted in integrity, education, and client-first service, making her a go-to expert for those seeking VA loan assistance.Connect with Jessica Wells (253) [email protected]://jessicawellsmortgage.com

Tyler Carlston is a dedicated mortgage loan officer with U Mortgage, specializing in VA loans and serving veterans and military families across Salt Lake City, UT, and San Antonio, TX. With a background in marketing and lead aggregation, Tyler initially ran a successful agency that helped real estate professionals generate VA loan business. However, after a pivotal conversation about how veterans were often overcharged or mistreated in the mortgage industry, he made a bold decision to pivot his career and fully commit to serving veterans with integrity and transparency.As an active member of the Vetted VA community, Tyler continuously educates himself and others on VA loan policies, dispelling myths, and providing factual, data-driven guidance to real estate professionals and borrowers alike. His passion for service extends beyond transactions—he leads with a servant’s heart, taking on challenging loans with no guarantee of financial return because his ultimate goal is to help veterans achieve homeownership.Whether it's debunking common VA loan misconceptions, working through manual underwriting approvals, or educating fellow industry professionals, Tyler is committed to ensuring that veterans receive the fair and honest lending experience they deserve.Connect with Tyler Carlston⁠(512) 595-3839⁠[email protected]⁠hhttps://calendly.com/tlc-lending-team

Nathan Einkorn – Mortgage Professional & VA Loan AdvocateNathan Einkorn is a seasoned mortgage professional with a deep expertise in VA home loans. Based in Colorado, Nathan has been a part of the Vetted VA community since its inception, establishing himself as a trusted expert in veteran lending. His no-nonsense approach, combined with his commitment to educating both homebuyers and industry professionals, has made him a respected leader in the mortgage industry.Born and raised in San Diego, Nathan began his career in management with 24 Hour Fitness before transitioning into the mortgage industry in 2004. His entry into lending was unconventional—jumping headfirst into the "Wild West" era of mortgages—but it was also transformative. Working for a mortgage brokerage that primarily focused on VA and FHA loans, Nathan quickly realized the power of VA financing. His personal connection to the military, with family members who served, further fueled his passion for ensuring veterans fully understand and utilize their VA home loan benefits.Nathan is committed to a high standard of service, continuously refining his knowledge through Vetted VA’s rigorous training and community discussions. He firmly believes in the importance of surrounding himself with top professionals to stay ahead of industry changes and better serve his clients. His approach to lending is rooted in education, ensuring that every borrower he works with is empowered to make informed financial decisions.Beyond his professional expertise, Nathan is an outdoor enthusiast who moved to Colorado to embrace his love of snowboarding, fly fishing, and hunting. He also holds himself to high personal standards, frequently engaging in self-improvement challenges like "75 Hard" and maintaining an active, disciplined lifestyle.Nathan is known for his straight-shooting advice, dedication to his clients, and deep knowledge of VA loans. Whether he’s educating a veteran about their benefits, helping real estate agents understand VA lending guidelines, or engaging in spirited debates about whether chili should have beans, Nathan remains a valued voice in the industry.Connect with Nathan Einkorn:(720) [email protected]://www.nathaneinkornmortgage.com/

Michael Wolff is a dedicated mortgage professional with over 20 years of experience in the industry. Originally trained as an engineer, Michael’s analytical approach and problem-solving skills have made him a trusted expert in mortgage lending, particularly in VA loans.His journey into the mortgage world was unconventional. After working in IT during the dot-com bubble, playing in a touring band, and managing a restaurant, he found himself drawn to lending. Early in his career, he quickly recognized the gaps in financial education among even well-educated borrowers, which fueled his passion for helping clients make informed decisions about homeownership.Michael specializes in VA loans, working closely with veterans and service members to navigate the homebuying process. His expertise allows him to assist borrowers who have been denied elsewhere, ensuring they receive the benefits they’ve earned. His deep understanding of VA guidelines, reconsideration of value (ROV) processes, and loan structuring has enabled him to help countless clients achieve homeownership—even in complex financial situations.A longtime member and moderator of Vetted VA, Michael was among the early professionals invited to join the movement, dedicated to protecting and educating veterans in the homebuying process. His commitment to ethical lending and advocacy for military families has set him apart in the industry.When he’s not helping clients, Michael enjoys music (with a background in punk rock and post-hardcore), strategic games, and spending time with his family in North Carolina.Connect with Michael Wolff:[email protected]://michaelthebroker.tnypg.com/

In this episode of theVetted VA Podcast: Your Journey Home, hostNathan Nottingham sits down withMichael Dendy, a seasoned mortgage professional and real estate agent based in Tennessee. Michael has spent years helping veterans and service members navigate the VA home loan process with unwavering dedication and expertise.Originally from Georgia, Michael's deep respect for the military stems from his family’s service history, including his stepfather and son who served in the U.S. Army. His journey in the mortgage industry began in Michigan before he transitioned to Tennessee, where he embraced the broker side of lending. Over time, Michael became a trusted resource in theVetted VA community, helping to dispel misinformation and educate professionals and veterans alike on the true benefits of the VA home loan.Beyond his work in real estate and lending, Michael is a devoted family man—father to an impressive12 children—and known for his catchphrase:“I have 12 kids, I have to close loans.” His passion for serving veterans stems from his desire to ensure that those who fought for our country have access to the homeownership benefits they’ve earned.Tune in as Michael shares powerful success stories, tackles common VA loan myths, and provides invaluable advice for both homebuyers and industry professionals.Connect with Michael Dendy:(615) [email protected]://michaeldendy.com

Jerry Avila is a dedicated mortgage professional and VA loan expert based in Ventura, California. With a deep-rooted passion for serving the veteran community, Jerry has spent years ensuring that service members and their families fully understand and maximize their VA home loan benefits. His journey into the mortgage industry was driven by personal experiences—watching his own family members navigate the complexities of homeownership and vowing to protect others from being taken advantage of in the lending process.Born in Chicago and raised in Ventura County, Jerry embodies the laid-back yet hardworking culture of his coastal community. He is bilingual, providing critical support to Spanish-speaking borrowers, ensuring they receive transparent and accurate information about their home loan options. His extensive knowledge of the VA loan program, coupled with his commitment to education, has made him a trusted resource within the Vetted VA community. Jerry actively participates in the Vetted VA Facebook group, live training sessions, and social media content, helping veterans nationwide secure the homes they deserve.Beyond his career in lending, Jerry is a hands-on auto enthusiast who enjoys customizing trucks and modifying cars. His passion for mechanics reflects his approach to lending—diligent, detail-oriented, and always striving for excellence.As a loan officer, educator, and advocate, Jerry’s mission is simple: to empower veterans and their families with the knowledge they need to make informed decisions about homeownership. He believes that financial literacy and homeownership are crucial tools for creating generational wealth and stability, particularly within minority communities.How to Get in Contact with Jerry Avila:(805) [email protected]://amerifund.com/team/jerry-avila/

Brandi Brickler is a dedicated mortgage broker with Edge Home Finance Corporation, specializing in VA loans and mortgage solutions for veterans, active-duty service members, and their families. As a U.S. Navy veteran, Brandi brings a unique and deeply personal perspective to home financing, ensuring her clients receive not only expert guidance but also advocacy from someone who truly understands military life and transition. Her expertise and commitment to excellence have earned her the prestigious title of Vetted VA Professional. This designation signifies rigorous training, extensive VA loan knowledge, and a passion for serving the veteran community with integrity. Beyond her work as a mortgage broker, Brandi is a trusted voice in the industry, known for her no-nonsense, transparent approach. She is committed to educating veterans and service members about their home loan benefits, empowering them to make the best financial decisions for their futures. Her dedication extends beyond transactions—she guides, educates, and fights for the financial well-being of her clients. Brandi's journey into mortgage lending is deeply personal. After joining the U.S. Navy at 20 to pursue higher education, she experienced firsthand the financial challenges many service members face. Her transition from military life to finance, combined with her personal experiences navigating homeownership, has shaped her into an advocate for financial literacy and responsible homebuying. Known for her direct, honest approach, Brandi isn’t afraid to ask tough questions and push for the best solutions. She values long-term relationships over quick sales, ensuring that every client she serves is set up for lasting financial success. Whether you are a first-time homebuyer, refinancing, or looking to leverage your VA loan benefits, Brandi Brickler is the expert you want in your corner. How to Get in Contact with Brandi Brickler: (808) 388-1550 [email protected] https://www.brandibrickler.com/

Rylan Maddox is a passionate and experienced Mortgage Loan Officer serving clients in both Colorado and Hawaii. Based in Colorado Springs, CO, with a deep connection to the Hawaiian community, Rylan brings over a decade of expertise in VA home loans, having started his career with one of the largest VA lenders in the nation. His dedication to helping veterans achieve homeownership is rooted in his comprehensive understanding of the VA loan program, a skill honed by reading the VA handbook cover-to-cover early in his career. Rylan’s unique approach emphasizes personalized service, transparency, and problem-solving. He transitioned to the broker channel in 2022, allowing him to offer more competitive rates and tailored solutions to his clients. His commitment to veterans goes beyond mortgages—Rylan actively volunteers as a moderator in the Vetted VA community, providing accurate, unbiased advice to veterans and military families. A long-time Hawaii resident, Rylan balances his professional life with his love for family and community. Whether assisting veterans with life-changing transactions, like helping a homeless veteran achieve homeownership, or moderating the Vetted VA Facebook group, Rylan remains dedicated to making a meaningful impact.Rylan lives in Colorado Springs with his wife, their children, and growing family. He continues to serve as a trusted resource for veterans and active-duty military members navigating the complexities of VA loans. To connect with Rylan or learn more about his services, visit VettedVA.com. How to Get in Contact with Rylan Maddox: (808) 649-8737 [email protected] https://rylanmaddox.com

Christopher Thomas is a Mortgage Loan Originator at Iris Mortgage LLC, a Michigan-based company offering personalized mortgage solutions. Raised in Grosse Pointe Farms, Michigan, Chris graduated from Michigan State University. After working as a shop manager in steel fabrication, he transitioned into the mortgage industry, inspired by his then-girlfriend and now wife, Katherine Thomas, who is the CEO of Iris Mortgage. Chris is passionate about customizing loan structures to meet clients’ needs, whether for purchasing or refinancing homes. He emphasizes delivering personalized, start-to-finish service by maintaining a small, efficient team that eliminates unnecessary overhead. Beyond his professional endeavors, Chris is a cancer survivor, having been in remission from Hodgkin’s Lymphoma for over eight years. He resides in Grosse Pointe Park with his wife, Katherine, their two children, and dogs, Jofa and Abby. The family enjoys activities like pickleball at Patterson Park and biking around Belle Isle. Chris is also dedicated to serving veterans, actively participating in a Facebook group of nearly 50,000 veterans to answer homebuying questions without solicitation. He stays updated with VA guidelines to best serve veteran clients. For more information or to contact Chris, you can visit Iris Mortgage’s official website. How to Get in contact with Christopher Thomas: (313) 655-2423 [email protected] https://www.irismortgage.com/about-christopher-thomas

Thomas Sloan is a dedicated mortgage professional and a proud member of the Vetted VA community. Based in New Jersey, Thomas brings a unique blend of responsiveness, professionalism, and a passion for creating seamless, stress-free homebuying experiences. His journey into the mortgage industry is marked by resilience, adaptability, and a relentless commitment to service. Thomas’s professional ethos is deeply rooted in his diverse background, which includes years in hospitality and catering management. These roles honed his ability to prioritize service, build relationships, and exceed expectations—skills he seamlessly translated into the mortgage field. His approach is centered on understanding each client's unique needs and leveraging the flexibility of VA loan benefits to help them achieve their homeownership dreams. A licensed mortgage broker operating across multiple states, Thomas is particularly passionate about serving veterans and active-duty military families. His commitment to education and transparency has earned him respect among peers and clients alike. Thomas frequently works to empower others, whether through peer-to-peer leadership, mentoring, or helping clients navigate complex financial scenarios. Outside of his professional life, Thomas is a devoted husband and father of four. His family serves as his inspiration and driving force. He thrives on building connections, giving back, and contributing to the success of his community, both professionally and personally. Whether it’s guiding a veteran through a PCS transition or helping a first-time homebuyer secure their dream home, Thomas Sloan exemplifies the values of trust, empathy, and unwavering dedication. He is a vital part of the Vetted VA mission, working tirelessly to support those who serve and their families. How to Get in contact with Thomas Sloan: [email protected] (973) 572-7715 https://lo.gorascal.com/thomas/ https://mortgagematchup.com/Profile/ThomasSloan?page=1

Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We'll dive into everything you need to know from your first thoughts on buying a home. In this episode, we’re taking a casual, round-table approach, featuring a stellar panel of Vetted Pros: Randy Teakell from Texas, Jason Rivera in sunny San Diego, and Jessica Wells from Washington state. Together, we’ll tackle the common misconceptions, untapped opportunities, and insider tips to get the most from your VA benefits. From how to leverage your VA loan multiple times to strategies for high-cost markets and tips on navigating property taxes as a disabled veteran, we’ve got you covered. Let’s dive in and help you unlock the full potential of your VA benefits! We hope you enjoy the show. We hope you enjoy this episode. And if you have any other follow-up questions. Let us know at: [email protected]. Enjoy! Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We'll dive into everything you need to know from your first thoughts on buying a home. In this episode, we're diving into a topic that's not flashy but absolutely crucial: income qualification for VA loans. Whether you're active duty, self-employed, working with variable pay, or managing rental properties, understanding how your income factors into your VA loan application is the key to a smooth process. We'll tackle everything from pay stub mysteries and bonus misconceptions to the common pitfalls of job changes during the loan process. Joining us are two seasoned mortgage pros, Randy Teakell and Rylan Maddox, who’ll break it all down with real-world examples and actionable advice. If you’ve ever wondered how underwriters view your income—or how to make the most of your VA benefits—this episode is for you. Let’s get into it! We hope you enjoy the show. We hope you enjoy this episode. And if you have any other follow-up questions. Let us know at: [email protected]. Enjoy! Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We'll dive into everything you need to know from your first thoughts on buying a home. In this episode, we’re diving into new construction and why it’s becoming a popular choice for home buyers—including Veterans. We’ll break down how to use your VA loan for a new build, why having a dedicated realtor is essential, and some of the hidden costs that come with building from scratch. Our expert panel will walk you through the design center process, explain why a final inspection is still a must, and discuss those tempting builder incentives—are they really as good as they sound? Join us to hear from some of the best in real estate and lending as we answer your questions about making a new construction home your own. Stay tuned for the insights that could make all the difference in your next home purchase! We hope you enjoy the show. We hope you enjoy this episode. And if you have any other follow-up questions. Let us know at: [email protected]. Enjoy! Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠The episode on YouTube⁠

Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We'll dive into everything you need to know from your first thoughts on buying a home. In this episode, we’re diving into a topic perfect for this time of year: buying and selling homes during the holidays. Is it a good idea? What unique challenges and opportunities should you prepare for? Joining us are three incredible Vetted Pros—Claudia, Jason, and Alexis—bringing insights from across the country. We’re talking about everything from how to navigate seasonal trends, like lower inventory but more motivated buyers and sellers, to practical advice about holiday spending, home inspections in winter conditions, and even what to do about all those holiday decorations when selling your home! Whether you’re ready to make a move before the year ends or considering a fresh start in January, this episode is packed with valuable tips to help you make informed decisions during this unique real estate season. Grab a cup of cocoa, sit back, and let’s unwrap the truth about buying and selling during the holidays! We hope you enjoy the show. We hope you enjoy this episode. And if you have any other follow-up questions. Let us know at: [email protected]. Enjoy! Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The episode on YouTube

Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We'll dive into everything you need to know from your first thoughts on buying a home. In this episode, we're diving into VA eligibility: understanding your Certificate of Eligibility, what entitlement really means, and why that $36,000 figure on your COE can be confusing. We're also going to cover funding fees, who’s exempt, and how you can manage these costs. Whether you’re wondering about using your VA benefit for a second home, refinancing, or just starting to explore the program, this episode is packed with insights. We’ve got trusted experts ready to answer your questions, so stay tuned and don’t miss out on essential info that could save you time—and money—on your path to homeownership. Let’s get started! We hope you enjoy the show. We hope you enjoy this episode. And if you have any other follow-up questions. Let us know at: [email protected]. Enjoy! Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Welcome to the Vetted VA podcast. The VA Loan Your Journey Home. This is a podcast where we go beyond the surface of VA home loans. Join us weekly as we team up with leading mortgage and real estate experts who've gone through the vetted VA training and vetting process. We'll dive into everything you need to know from your first thoughts on buying a home. In this episode, we're diving into the essentials of the VA loan pre-approval process, breaking down how to move from pre-approval to close with confidence and clarity. This episode covers the crucial steps you need to take to ensure a smooth VA loan experience, from choosing the right lender and understanding your Certificate of Eligibility, to getting detailed insights on how insurance costs and pre-approval letters impact your budget. With top industry experts on hand, we're also answering key questions around navigating competitive markets and avoiding common pitfalls, so you're empowered every step of the way. Whether you're a first-time buyer or a seasoned homeowner, this conversation will leave you with a rock-solid game plan. So, let's dive in! We hope you enjoy the show. We hope you enjoy this episode. And if you have any other follow-up questions. Let us know at: [email protected]. Enjoy! Engage with Vetted VA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nathan Knottingham of Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Christopher Griffith on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA on Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vetted VA Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The episode on YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠