Last reviewed September 23, 2026
If you are a veteran buying a home in Wisconsin, the basic VA loan rules are the same as anywhere else in the country. What changes is everything around the loan: property taxes, Wisconsin’s disabled-veteran property tax credit, the houses you are likely to buy, local closing practices, military installations, and sometimes state laws that affect a difficult credit file.
I am Carlos Scarpero, a mortgage loan originator with Edge Home Finance. I am based in Dayton, Ohio and licensed to originate VA loans in Wisconsin. A large part of my business is VA loans, especially the files that are not perfectly clean: bad credit, manual underwriting, old collections, prior bankruptcies, foreclosures, unusual properties and veterans who have already been told no somewhere else.
On this page I am going to separate three things: what the VA actually requires, what is specific to buying a home in Wisconsin, and what an individual lender may have added as an overlay. That third one matters. A lender saying no does not automatically mean the VA said no.
Wisconsin veteran? See if you qualify in 30 seconds. No credit pull.
What is on this page
- What is a VA loan, in plain English?
- What does a VA loan actually get you in Wisconsin?
- Is there a VA loan limit in Wisconsin?
- Do disabled veterans get a property tax break in Wisconsin?
- What if you are buying near a military installation in Wisconsin?
- Why does residual income matter?
- What will a VA appraiser commonly catch on a Wisconsin house?
- How do Wisconsin property taxes and closing practices affect your cash to close?
- Can you buy a condo, duplex, manufactured home or fixer-upper in Wisconsin?
- What if credit, bankruptcy or foreclosure is the real problem?
- What if the Wisconsin house you want needs work?
- How long does a VA loan take to close in Wisconsin?
- Wisconsin VA loan questions I get all the time
- How do you start a Wisconsin VA loan with me?
What is a VA loan, in plain English?
A VA loan is still a mortgage from a private lender. The Department of Veterans Affairs guarantees part of the loan, which allows lenders to offer benefits that are difficult to match with other mortgage programs.
No down payment with sufficient entitlement. With full entitlement and qualifying income, a purchase can generally be financed at 100 percent of value. No monthly mortgage insurance. FHA charges it monthly and many low-down-payment conventional loans have PMI. VA has no monthly mortgage insurance charge. A one-time funding fee for borrowers who are not exempt. First-use purchase with less than 5 percent down is 2.15 percent, normally financed into the loan. Veterans receiving qualifying VA disability compensation and certain other borrowers are exempt. Residual income underwriting. VA looks beyond a simple debt-to-income ratio and asks what your household actually has left after the mortgage, debts, taxes, utilities and other obligations. The benefit can be reused. Depending on your entitlement situation, you may even be able to have more than one VA loan at the same time.
You do not need to guess whether you are eligible. I can normally pull your Certificate of Eligibility electronically.
VA HANDBOOK SUMMARY
VA exempts several categories of borrowers from the funding fee, including veterans receiving VA compensation for service-connected disabilities, veterans who would be entitled to that compensation but for receipt of retirement pay, veterans with a pre-discharge disability rating, and eligible surviving spouses. If you draw VA compensation, do not let anyone quote you a funding fee. On a $400,000 loan, first-use fee at 2.15 percent is roughly $8,600 you keep.
Source: VA Lender’s Handbook (Pamphlet 26-7) – Chapter 8: Borrower Fees and Charges and the VA Funding Fee
Do not compare a VA loan to another mortgage by rate alone. Compare the down payment, mortgage insurance, funding fee status, closing costs and actual monthly payment. For the full national walkthrough, start with my complete VA loan guide.
What does a VA loan actually get you in Wisconsin?
Wisconsin sits in the affordable Midwest band for home prices. In mid-2026, the median home value ran around $344,000, with median sale prices near $349,000 — well above the Deep South states but far below the coasts. Madison and its suburbs run higher; Milwaukee, Green Bay, the Fox Valley and western Wisconsin commuter counties sit closer to the state median.
Put that into mortgage terms. Five percent down on a $349,000 home is about $17,450 before closing costs. A qualifying veteran with full entitlement can make that same purchase with no down payment and no monthly mortgage insurance. At Wisconsin prices, the no-PMI feature of the VA loan does real work: on a 5 percent down conventional loan, monthly PMI could run $100–$175, which the VA loan simply does not charge.
The bigger issue I watch in Wisconsin is not the price. It is the house. Older housing stock in Milwaukee, Racine and Kenosha, rural properties on wells and septic, harsh winter conditions that punish roofs and foundations, and a real duplex market that brings its own rules.
What Wisconsin veterans usually get wrong before they call me
- They assume VA sets a minimum credit score. It does not.
- They assume the VA appraisal is a home inspection. It is not, and you still want an inspection.
- They assume zero down means zero cash needed in every scenario. Escrow, earnest money and appraisal gaps can still require cash.
- They confuse seller-paid normal closing costs with VA seller concessions. Two different buckets, two different rules.
- They assume the property tax credit starts at a 70 percent rating. The statute requires a 100 percent rating, or 100 percent based on individual unemployability.
- They assume the disabled-veteran property tax credit applies automatically once the rating letter arrives. It is claimed on the state return with documentation.
Is there a VA loan limit in Wisconsin?
No. With full entitlement, VA does not cap your loan amount. Your practical limits are what you can qualify for, what the property appraises for, and what an individual lender will approve.
Where a limit appears is partial entitlement: another VA loan still outstanding, entitlement tied up in another property, or a prior VA loan where entitlement was never fully restored. Then the county conforming limit is used to calculate your remaining guaranty.
The Wisconsin part is simple: no county is designated high-cost for 2026, so every county sits at the baseline one-unit limit of $832,750. At Wisconsin prices, entitlement math binds only for borrowers juggling two VA loans, not for first-time buyers.
If you are keeping your current VA-financed home and buying another, run the bonus entitlement math before you write the offer, and read how two VA loans at once actually works.
Do disabled veterans get a property tax break in Wisconsin?
Yes — and this one is real money. Wisconsin gives an eligible veteran a credit against the state income tax for property taxes paid on their Wisconsin principal residence: Full detail on the Wisconsin disabled veteran property tax exemption.
- Who qualifies: veterans with a VA service-connected disability rating of 100 percent, or a 100 percent rating based on individual unemployability. The threshold is the disability rating, not the compensation check. A 70 percent rating on its own does not qualify.
- What it is: a refundable credit for property taxes paid on the veteran’s principal residence in Wisconsin, claimed on the state income tax return with documentation.
- How: file Wisconsin Schedule AR and attach the VA disability determination documentation.
- Important: it is claimed on the return — it is not automatic, and it is not a reduction of the property tax bill itself.
Wisconsin disabled-veteran property tax credit, verified against the statute
- Wis. Stat. section 71.07(6e); credit for property taxes paid on the principal dwelling of an eligible veteran; under 71.07(6e)(a)3.d an eligible veteran “has either a service-connected disability rating of 100 percent under 38 USC 1114 or 1134 or a 100 percent disability rating based on individual unemployability”; claimed on the Wisconsin income tax return via Schedule AR with VA disability determination documentation
Sources: Wis. Stat. section 71.07(6e); Wisconsin Department of Revenue guidance for Schedule AR.
Understand the mechanics: this is a refundable credit against your state income tax, not a reduction of the property tax bill. At Wisconsin’s roughly 1.76 percent effective rate, a $349,000 home pays about $6,100 a year in property taxes — so the credit can offset real money on the return. But your monthly mortgage payment still escrows the full tax bill. For the national picture, see the disabled veteran property tax guide.
What if you are buying near a military installation in Wisconsin?
Wisconsin’s military footprint centers on:
- Fort McCoy near Sparta — the largest military installation in Wisconsin, an Army Reserve training center with a steady flow of Guard and Reserve activity.
- General Mitchell Air National Guard Base in Milwaukee — home of the 128th Air Refueling Wing.
- Truax Field in Madison — home of the 115th Fighter Wing.
- Volk Field Air National Guard Base near Camp Douglas.
What that means for your loan, practically: PCS orders establish occupancy intent, so you do not have to wait until you physically arrive to start. BAH is qualifying income when documented and continuing, and it is not taxed, which helps your debt ratio. Keeping the house you are leaving is a partial entitlement question plus a rental income question, both answerable in advance. And start earlier than you think: an out-of-state file with a VA appraisal on an older Wisconsin house is not a two-week project.
Story time: a plan with a date on it
Eighteen months past a bankruptcy, with a contract already signed.
The problem. A first-time buyer had a Chapter 13 discharge eighteen months behind him and a signed purchase contract in front of him. The lender he started with treated the file like a no: no offer of manual underwriting, no plan to address the derogatory credit, no timeline to fix it.
What I did. I gave him a written plan with actual dates: what to pay down, what to document, which month he would clear the seasoning requirement, and what the file needed to look like on that date. Then we worked the plan instead of guessing.
How it ended. He closed on his first home six months later, on the schedule we set, with the same contract terms preserved.
A plan with a date on it beats hope. Seasoning requirements do not move, but your preparation can.
See If You Qualify
Or call or text me at 937-572-3713.
Why does residual income matter?
Because VA underwriting is not built around one magic debt-to-income number. A lot of veterans hear that VA has a 41 percent maximum DTI. That is not an accurate description of how VA underwriting works. The VA treats the debt ratio as a guide and gives significant weight to residual income: the money left over for your household after the mortgage, debts, taxes, utilities and other obligations.
Wisconsin is in VA’s Northeast region (determined by the property’s location, not the borrower’s). For loan amounts of $80,000 and above, the Northeast minimums are:
| Family size | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Minimum residual income | $450 | $755 | $909 | $1,025 | $1,062 |
Add $80 per additional member up to a family of seven. For loans under $80,000, the Northeast minimums are $390, $654, $788, $888 and $921 for family sizes one through five, adding $75 per member up to seven.
VA HANDBOOK SUMMARY
VA’s position is that the debt-to-income ratio is a guide and, as an underwriting factor, it is secondary to residual income. It should not automatically trigger approval or rejection of a loan. Loans above 41 percent can be approved with documented compensating strength, and when residual income exceeds the regional guideline by at least 20 percent, that additional justification may not be needed.
That is why I care about the whole file. A borrower with a higher DTI but strong residual income, stable employment, clean housing history and reserves can look very different from a borrower under 41 percent with nothing left at month’s end. Wisconsin property taxes are meaningful, so I run residual income on every Wisconsin file — it is where the tax bill shows up.
Source: VA Lender’s Handbook (Pamphlet 26-7) – Chapter 4: Credit Underwriting, Topic 10
This is also why tax-free income must be entered correctly. Under VA rules, eligible non-taxable income (VA disability compensation, BAH and similar) can be grossed up by 25 percent for the debt-ratio calculation, and the actual dollars still count in residual income. Run your numbers with my VA residual income calculator, then send me the real scenario.
What will a VA appraiser commonly catch on a Wisconsin house?
The VA appraiser is not performing a home inspection. The appraiser is looking at value and determining whether the property meets VA Minimum Property Requirements. Those requirements changed this year: VA revised Chapter 12 of the Lender’s Handbook with a change date of February 27, 2026, and the revised chapter took effect for appraisals ordered after May 1, 2026. Four changes matter on a normal deal: the detached improvements subtopic was removed from Topic 1, the non-vented heater subtopic was removed from Topic 23, the radon gas language was removed from Topic 34 in its entirety, and Topic 32 was revised so defective paint on a 1978-or-later home is normally treated as cosmetic. Defective paint is still a requirement on pre-1978 homes under Topic 32b.
VA HANDBOOK SUMMARY
VA establishes Minimum Property Requirements to protect the interests of veterans, lenders, servicers and VA, and properties must meet them before VA will guarantee the loan. The appraisal is a value opinion plus a check against those requirements. It is not a home inspection.
Read that as a schedule problem, not a dead deal: the seller repairs it, it goes into an allowable escrow, you repair it after closing with renovation financing, or the deal changes.
Source: VA Lender’s Handbook (Pamphlet 26-7) – Chapter 12: Minimum Property Requirements
What tends to matter in Wisconsin
| What may get flagged | Why it is common in Wisconsin | Typical path forward |
|---|---|---|
| Defective paint on pre-1978 homes | Older housing stock in Milwaukee, Racine and Kenosha | Scrape and repaint before closing; seller repair or escrow |
| Roof condition | Harsh winters, ice dams and aging roofs | Remaining-life evidence, repair or replace, or renegotiate |
| Basement water and foundation issues | Snowmelt, high water tables and older foundations | Waterproofing corrections; structural review where needed |
| Permanent, adequate heat | VA still requires heat capable of keeping plumbing areas at 50 degrees or above | Confirm the system is permanent and adequate; replace if not |
| Wells and septic on rural properties | Rural Wisconsin outside the metro counties | Water test and septic inspection letters before appraisal |
| Private roads and winter access | Rural properties on private roads; snow access in winter | Document legal access and road maintenance arrangements |
An old kitchen is not a VA problem because it is ugly, and worn carpet is not automatically a VA problem. The concern is whether something creates a health, safety, structural or sanitation problem under the applicable MPR. That difference matters on older Wisconsin houses.
What if the appraisal comes in low?
A low VA appraisal does not automatically kill the transaction. Options include better comparable sales during Tidewater, a Reconsideration of Value, renegotiating the price, or the buyer covering some difference. The right option depends on the numbers and the contract. Here is how Tidewater and Reconsideration of Value work.
How do Wisconsin property taxes and closing practices affect your cash to close?
The mortgage is federal. The closing is local.
Wisconsin has no state real estate transfer tax. Some counties impose a transfer fee of $0.30 per $100 of consideration (about $1,050 on a $349,000 purchase). There is no mortgage tax in Wisconsin. These are lower closing-cost frictions than many states.
Property taxes, on the other hand, are meaningfully above the national average — the effective rate runs around 1.76 percent — which pushes the monthly escrow and affects both the payment and residual income. That is the tradeoff in Wisconsin: low transfer costs, real tax bills.
Wisconsin transfer fees, verified against the statute and 2026 closing guidance
- No state real estate transfer tax in Wisconsin; counties may impose a transfer fee of $0.30 per $100 of consideration, Wis. Stat. section 77.22
- No mortgage tax in Wisconsin
- Fees customarily split or negotiated between buyer and seller at closing
Sources: Wis. Stat. section 77.22; 2026 Wisconsin title and closing guidance.
VA allows the seller to pay normal buyer closing costs subject to the applicable rules. Seller concessions are treated separately and generally have a 4 percent limit based on the home’s reasonable value.
VA HANDBOOK SUMMARY
VA caps seller concessions at 4 percent of the property’s reasonable value. That concession bucket is separate from the seller paying the buyer’s normal closing costs, such as the funding fee and prepaid items, when those are structured properly. Concessions are things like the seller paying off the buyer’s debts or giving the buyer value beyond normal costs.
At Wisconsin prices, 4 percent of a $349,000 home is about $13,960 of concession room. A VA buyer with little cash does not necessarily need a price reduction. In some situations, a properly structured seller credit does more for the veteran than a lower price.
Source: VA Lender’s Handbook (Pamphlet 26-7) – Chapter 8: Borrower Fees and Charges and the VA Funding Fee
Can you buy a condo, duplex, manufactured home or fixer-upper in Wisconsin?
Usually, yes, but each property type has its own rules.
Condos
A condominium project generally needs to meet VA’s project-approval requirements. Do not wait until three weeks into the transaction to find out the condo is not approved. Wisconsin has real condo concentrations in Milwaukee and Madison, so run the approval check before the offer, not after.
Two to four units
VA can finance an owner-occupied two-, three- or four-unit property. You must occupy one unit as your primary residence, but documented rental income from the other units may help with qualification subject to VA and lender requirements. Wisconsin has a genuine duplex culture — Milwaukee and Green Bay are full of them — and VA’s rental-income rules matter here.
Manufactured homes
VA allows qualifying manufactured housing, but lender overlays are common here. The fact that VA permits something does not guarantee every VA lender will finance it. The house itself needs review before assuming the loan will work.
Fixer-uppers
A property needing repairs does not automatically mean you cannot use VA. Depending on the scope, the solution may be seller repairs before closing, an allowable repair escrow, VA renovation financing, or a different loan program if the property simply does not fit. Figure that out before paying for an appraisal and losing several weeks. For the renovation path, see my VA renovation loans page. Here is how VA renovation loans work in Wisconsin.
What if credit, bankruptcy or foreclosure is the real problem?
This is the part of VA lending I spend a lot of time on. The first thing to understand: the VA itself does not establish a universal minimum credit score for VA-guaranteed loans. Individual lenders do. “You need a 620 for VA” and “this lender requires a 620 for its VA program” are two completely different statements. One is presented as a VA rule. The other is a lender overlay.
VA HANDBOOK SUMMARY
VA does not set a minimum credit score for VA-guaranteed loans. What VA evaluates is credit history: whether accounts have been paid on time and whether there is major derogatory credit in the recent past. Lenders may impose their own score cutoffs on top of that, which is why the same borrower can be denied at one lender and approved at another.
Source: VA Lender’s Handbook (Pamphlet 26-7) – Chapter 4: Credit Underwriting
Bad credit
The score matters because lenders use it and pricing follows it, but the VA credit analysis goes deeper than a three-digit number: payment history, housing history, what caused the problem, whether it is resolved, residual income, and which lender you are using. See bad credit VA loans. For the Wisconsin specifics, see bad credit VA loans in Wisconsin.
Collections
Do not automatically start paying old collections because someone told you that is what VA requires. Some may not need to be paid off at all, and medical collections, non-medical collections, judgments and federal debts are not treated identically. Before moving money around, let the actual underwriting rule tell us what needs to happen.
Manual underwriting
Sometimes the automated system does not approve a file even though the veteran fits VA guidelines. That is where manual underwriting comes in: a human underwriter evaluates housing history, credit pattern, residual income, compensating factors and the reasons behind the credit issues. More documentation, not automatically a denial. See VA manual underwriting. See how this plays out locally in VA manual underwriting in Wisconsin.
Bankruptcy
A prior bankruptcy does not mean your VA benefit is gone. Timing and documentation depend on the type, when it was discharged or dismissed, what caused it, and what your credit looks like afterward. As a general framework: Chapter 7 is generally two years from discharge; Chapter 13 is generally one year into the payout period with trustee or court approval and a satisfactory payment history. See VA loans after bankruptcy. The state walkthrough is VA loans after bankruptcy in Wisconsin.
Foreclosure
VA seasoning rules are federal, but the event that legally completes a foreclosure depends on state law. For VA’s two-year foreclosure seasoning, the completion date is established from the actual foreclosure and title documentation under applicable VA guidance. Know the exact completion date — not just the year — before planning your timeline. See VA loans after foreclosure. More detail on VA loans after foreclosure in Wisconsin.
Wisconsin credit rules that can change the answer
- Wisconsin is a community-property state. Under VA guidelines, the debts of a non-borrowing spouse in a community-property state do count in the debt-to-income ratio, even though the spouse is not on the loan. This can reduce qualifying power for a married Wisconsin borrower whose spouse carries debt.
- Property taxes affect residual income. Wisconsin’s above-average property taxes increase the monthly housing expense, which flows into both the debt ratio and residual income. Run the numbers with taxes included, not on principal and interest alone.
Story time: a plan with a date on it
A debt-to-income ratio over 100, and a way out of it.
The problem. A borrower had already been turned down twice with a debt-to-income ratio over 100. Both lenders treated the number like the end of the conversation. Nobody looked at what was inside the ratio, nobody ran residual income, and nobody asked what would change in six months.
What I did. I broke down every debt, found the ones that were shrinking or nearly gone, and built a written plan with dates: which debts to pay down, in which order, and which month the ratio would clear VA guidelines. Then we worked the plan.
The ratio is a snapshot. The plan is what changes it.
See If You Qualify
Or call or text me at 937-572-3713.
What if the Wisconsin house you want needs work?
Then I want to know about the repairs before you are halfway through the transaction. There are generally three buckets: seller repair before closing for small VA-required items, an allowable repair escrow for certain incomplete items (not the same as financing a full renovation), and a VA renovation loan that combines purchase and qualifying repairs into one mortgage when the property, work and lender program fit. The important phrase is as-completed value: the appraiser values the home in its completed condition, and the finished value has to support the transaction.
Wisconsin renovation examples I see repeatedly: defective-paint remediation on pre-1978 homes in Milwaukee, basement waterproofing after snowmelt season, roof replacement after harsh winters, and well or septic upgrades on rural properties. Do not assume every lender that advertises VA loans offers VA renovation loans. This is a specialized product and lender overlays vary substantially.
How long does a VA loan take to close in Wisconsin?
A clean VA purchase does not inherently need months to close. A realistic target is often around 30 to 45 days, but the property and the file determine the timeline more than the letters “VA.” The delays I actually see on Wisconsin files: VA appraisal repairs on older homes (especially defective paint and basement water), well and septic inspections on rural properties, condo approval nobody checked before the offer, title work on older chains of title, manual underwriting documentation, and renovation bids.
A seller should care about whether the buyer is actually qualified and whether the property fits the financing. That is why a real preapproval matters. Pulling a credit score and printing a letter is not the same thing as reviewing the file. If you want help thinking through where you fit, try the VA Loan Pathfinder.
Wisconsin VA loan questions I get all the time
What credit score do I need for a VA loan in Wisconsin?
VA does not set a universal minimum credit score. Individual lenders set their own overlays, so being turned down by one lender does not automatically mean you are ineligible. The lower the score and the more recent the credit issues, the more the rest of the file matters.
How much down payment do I need for a VA loan in Wisconsin?
A qualified borrower with sufficient VA entitlement can generally purchase with no down payment. Partial entitlement, an appraisal below the purchase price, or a borrower choosing to put money down can change that calculation.
How does the Wisconsin disabled-veteran property tax credit work?
It is a refundable credit against the Wisconsin income tax for property taxes paid on your principal residence, available to veterans with a 100 percent VA service-connected disability rating, or a 100 percent rating based on individual unemployability. You claim it on your state return via Schedule AR with your VA disability determination. See the full property tax section for the details.
Can I use a VA loan near Fort McCoy in Wisconsin?
Yes, with VA eligibility, occupancy and lender qualification met. Fort McCoy near Sparta, Mitchell ANGB in Milwaukee, Truax Field in Madison, and Volk Field all generate steady VA-buyer demand. PCS and relocating buyers should start early enough to calculate entitlement and handle appraisal timing.
Can I keep my current house and use my VA benefit again?
Possibly. If entitlement is not fully restored because another VA loan is still outstanding, I calculate your remaining entitlement against the county loan limit, which is $832,750 everywhere in Wisconsin for 2026. Run the bonus entitlement calculation before assuming anything.
Can I buy a manufactured home with VA in Wisconsin?
Potentially, yes. Manufactured housing has additional property and lender requirements, and many lenders impose overlays beyond the VA rules. The house itself needs to be reviewed before assuming the loan will work.
Can I buy a duplex with a VA loan in Wisconsin?
Yes, for qualifying two- to four-unit properties when you occupy one unit as your primary residence. Rental income from the other units may be usable subject to underwriting requirements. Wisconsin’s duplex stock is real — Milwaukee and Green Bay are full of them — so this is a common path.
Can I buy an older home with a VA loan?
Absolutely. An old house does not fail a VA appraisal because it is old; condition is the issue. Defective paint on pre-1978 homes and basement water are what I flag most, not age itself.
Do sellers have to pay VA buyer closing costs?
No. The seller and buyer negotiate closing-cost credits in the purchase contract. VA rules give sellers significant flexibility to help, including the 4 percent seller-concession allowance, but the seller is not automatically required to pay them.
Is the VA appraisal a home inspection?
No. An appraisal establishes value and checks the property against VA requirements. It is not a substitute for an independent home inspection. In Wisconsin I especially want buyers to get the inspection, because winter damage, basements and older stock hide problems the appraisal will not fully answer.
Can I qualify for VA with a high debt-to-income ratio?
Sometimes. VA does not treat 41 percent as a hard stop. Residual income, tax-free income, credit history and other factors can materially change the analysis. That is why I would rather run your actual scenario than give you a generic DTI cutoff.
How do you start a Wisconsin VA loan with me?
Start with my 30-second qualification quiz. It is not a credit pull. It gives me enough information to figure out what we actually need to look at next.
What I want to know
- Where in Wisconsin are you buying?
- Have you used your VA entitlement before?
- Is another VA loan still outstanding?
- Do you receive VA disability compensation?
- What price range are you considering?
- Is the house move-in ready or does it need work?
- Are you active duty, Guard/Reserve, or PCSing?
- Has another lender already told you no?
- Are you married, and does your spouse carry debt? (Wisconsin is community property.)
Ready to talk about a specific house?
Start the application and mention the property in the notes. If you would rather just ask a question first, call or text me at 937-572-3713.
Carlos Scarpero, Mortgage Loan Originator, NMLS #1674385 | Edge Home Finance, LLC, NMLS #891464 | Licensed to originate VA loans in Wisconsin | 937-572-3713 | Equal Housing Opportunity. Nothing here is tax or legal advice, and no content on this page is a commitment to lend.