I have been retired out of the the Army since 2011 and never used my VA loan. I didn't think my credit was good enough to qualify for a home loan. My wife and I were tired of throwing thousands of dollars away a year on rentals for our family. I broke down and called Cathy the VA Lady. That call has changed my family's life forever, it was the best phone call I ever made! Cathy took her time to explain everything and never acted like any question was a question that shouldn't have been asked. If this company can't get you in a home than there isn't anyone that can. I would recommend Cathy and this company to everyone.