Home loans for military and veteran families

Stacey Melton is a mortgage broker. Before any preapproval, she looks at your whole picture. That includes your VA entitlement, which is how much of your VA home loan benefit you have left. It also includes income like BAH, your housing allowance, and disability pay.

Book a consultation Told no on a VA loan?
Stacey Melton, mortgage broker in Phoenix and Tampa Bay, in a red top, leaning on the back of a chair

Moments that change a home loan

Told no on a VA loan?

A no does not have to be the end. Here is what she does with it.

  1. Find out why

    You were told no. She finds out the reason.

  2. Look at the actual file

    She reads the file itself, not the summary, and checks what question the no was answering.

  3. A plan with dates

    If it is still no, you get a plan. You leave knowing the steps and how long they take.

What the consultation looks at on a VA file

These are the things she goes through with you. For VA's own rules, the links go to VA.gov.

  • Your entitlementHow much of your VA home loan benefit you have left. VA's eligibility page
  • A benefit you used beforeWhether it can be restored, and what VA asks for to do that. VA on reusing your entitlement
  • The VA funding feeWhether it applies to you. VA on the funding fee
  • Income like BAH and disability payHow it fits with the rest of your income.
  • TimingYour orders, your closing date, and when income starts or stops.

Moving to Arizona or Florida after service

Her markets are the Phoenix area, in Maricopa and Pinal counties, and Tampa Bay, in Tampa, Clearwater and Largo. She has a home in both places. She is also licensed in Tennessee.

If you are moving to one of these places, she looks at the whole move with you: what you are leaving, what you are buying, and the months in between.

What two VA buyers said

Both are short excerpts from reviews on Zillow, from 2021 and 2022, before Sand 2 Sand Lending.

Questions

Have a question that is not here? Call Stacey at (602) 690-2277.

I was told I do not qualify for a VA loan. What now?

Send her the file. She finds out why the answer was no and reads the actual file, not the summary. If it is still no, you get a plan with the steps and how long they take.

Can I use my VA loan benefit more than once?

You may be able to. VA says you can ask to restore entitlement you used before if you sold the home and paid that loan in full, or if a qualified Veteran takes over your loan and uses their own entitlement in place of yours. If you paid the loan in full but kept the home, you can restore it that way one time only. Even without that, you may still have entitlement left. She checks where you stand.

What if my orders change my closing date?

Tell her as soon as you know. She works out with you and your agent what can move and what cannot, and plans the next step with you.

Does she only do VA loans?

No. VA loans are one part of her work. She also helps people buy a first home, move to a new state, buy a second home or downsize.

Start with an hour and the whole picture.

The first hour covers your whole financial picture, VA benefit included, and afterward she sends a written recap you keep.

Book your consultation

Send this and Stacey reaches out to set up your hour on Zoom. Or text her at (602) 690-2277.

This is not a loan application. Stacey will contact you by phone, text or email to set up your consultation. How your details are handled.

Already talked with Stacey? Start your application.

Profiles

Sources

Last reviewed October 2026. Checked by Knowology.

Links to VA.gov are there for VA's own rules. This site is not from VA, and VA does not recommend lenders.