Home Means Everything - VA homebuying - Joe and Jody

Home means everything

Meet joe & jody

This is their story.

Joe, a 15-year U.S. Navy veteran, and his wife Jody, had been renting their home for over 15 years. This is also home to Jody’s sister Jen, who lives with them due to a disability, and their beloved dog. This was a family home, one full of warm memories and lots of love.

Joe was still recovering from a severe injury when he suffered a heart attack that led to quadruple bypass surgery. In the midst of recovering Joe’s health, they received news that the house would be sold. They had just 30 days to leave their home of 15 years.
The video shows how they took their hardship, rolled up their sleeves, and turned it into homeownership.

Their story is one of inspiring perseverance and resilience. Jody and Joe found a way to use their VA benefits to get a loan and stay in the home they loved.

Here at loanDepot, we had the privilege of helping write this chapter of Joe and Jody’s story. If you’re a veteran, we’d love to help you write yours, too.

Unlock the Power of Your VA Home Loan Benefit

Exclusively for veterans and active-duty military, the VA Home Loan benefit is designed to make homeownership more accessible and affordable. It’s a powerful way to achieve the dream of owning a home, with benefits you’ve rightfully earned through your service.

No Down Payment

In many cases, VA loans do not require a down payment.

No PMI Requirement

VA loans do not require a monthly Private Mortgage Insurance (PMI) payment*.

Competitive Rates

VA loans are partially guaranteed by the federal government, enabling us to offer competitive terms and interest rates as low as 580.

Lower Closing Costs 

The VA limits the closing costs lenders can charge to VA loan applicants.

No Down Payment

In many cases, VA loans* do not require a down payment.**

Competitive Rates

VA loans are partially guaranteed by the federal government, enabling us to offer competitive terms and credit scores as low as 580.

No PMI Requirement

VA loans do not require a monthly Private Mortgage Insurance (PMI) payment.***

Lower Closing Costs

The VA limits the closing costs lenders can charge to VA loan applicants.

“The VA home loan is one of the most valuable benefits earned through service to our country, offering unique advantages that not all other mortgages can match.

That's why I'm so passionate about it.”

David L. Smith

VP, national va lending

8 years of service

“As a Veteran who did not take advantage of a VA loan on my first home purchase due to a lack of understanding of the program, it's important to ensure you have a strong team and ask a lot of questions when you embark on your journey to homeownership.”

Bryan Bergjans

National director of military growth & strategy

20 years of service

***VA loans require a VA funding fee that may be financed into the loan or paid out of pocket at closing.

30 Days To Vacate
15 Years Worth of Memories

With no savings for a down payment and facing struggles finding a loan, Jody and Joe faced the unimaginable: they had just 30 days to leave their home of 15 years. This is their story, one that would become a testament to their resilience.

Joe and Jody didn’t live here alone. This was also home to Jodi’s sister Jen, who lives with them due to a disability, and their beloved dog. This was a family home, one full of warm memories and lots of love.

Joe, a 15-year Navy veteran, was still recovering from a severe injury when he suffered a heart attack that led to quadruple bypass surgery. In the midst of recovering Joe’s health, they received news that the house would be sold.

Along came a loan officer named Ken, who did something no one else had: he listened.

Promising to do whatever it took to help, Ken's expertise in navigating the VA loan process ended up making all the difference. His dedication was more than professional; Ken had become part of Joe and Jody’s story.

Thanks to their inspiring perseverance, and with the help of a new friend, Jody and Joe used their VA benefits to get a loan and stay in the home they loved.

Congratulations, Joe, Jody and Jen. Here’s to many more years of memories, you deserve this.

Learn How to Use Your VA Benefit

Information input into this form will also be sent directly to Demio, Inc. For more information see Demio’s Privacy Policy linked below the Join Now button.

VA Loan FAQs

Who is eligible for a VA loan?

What is the difference between a VA loan and a conventional loan?

What are the property requirements for VA loans?

What are some other uses for VA loans?

loanDepot.com, LLC is not acting on behalf of or at the direction of the U.S. Dept. of Veterans Affairs, the U.S military or the federal government.

* Subject to VA Eligibility, qualified veterans need to obtain a certificate of eligibility from the VA. Visit www.va.gov/housing-assistance/home-loans/eligibility to learn more about your eligibility requirements.

** Purchase transactions only.

This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Loans are subject to credit and property approval. Not all products available in all areas. Other limitations apply. Rates, terms and availability of programs are subject to change without notice.

State Licensing | Privacy and Security | Terms of Use | Accessibility

To view legal disclosures and important notices, please click the following:

Lifetime Guarantee