VA loans. Done right. By a Marine.

I served. I know what the VA loan can do, and what agents screw up when they don't understand it. If you're using your VA benefit to buy a house in Lincoln, that's where I come in.

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Top 1% of agents in Lincoln · Marine veteran · Acreage specialist

Why most Lincoln agents miss the mark on VA loans

VA loans are different. Zero down. No PMI. Specific appraisal requirements. Strict property condition standards. Funding fee rules. Seller concessions that work differently than conventional.

Most agents don't know this stuff, or they know it wrong. So they write offers that fail appraisal, miss out on seller concessions you're entitled to, or worse, steer you away from VA because they don't want to deal with it.

I served in the Marines. I use VA loans. I close VA transactions regularly. You're not going to get a bad deal on my watch.

What VA loan buyers actually get

  • Zero down payment. You can buy a house with $0 at closing on the down payment.
  • No private mortgage insurance (PMI). Saves you $100–300/month vs conventional.
  • Competitive rates. Often better than conventional by 0.25–0.5%.
  • Seller concessions up to 4%. That can cover most closing costs.
  • No prepayment penalty. Pay it off early, no fee.
  • Funding fee can be rolled in. Or waived entirely if you have a service-connected disability.

Active duty, veterans, and military families

PCS to Offutt? Moving to Lincoln from Wyoming, Colorado, Texas, anywhere? Coming back from deployment?

I've helped active duty families, retired veterans, Guard and Reserve members, and surviving spouses through home purchases in Lincoln. I know the timeline pressure of PCS orders. I know what a short-notice purchase looks like.

Call me. Or email. I'll make it work.

Get straight answers on your VA benefit

From an agent who runs VA deals every month. No runaround.

Goes straight to Wade. Usually replies same day.

Common questions

Do I need a realtor who specializes in VA loans?

You need one who actually knows them. Most don't. A bad agent can cost you the deal with a wrong offer structure or by steering you into a house that won't pass VA appraisal. Worth finding someone who does it right.

How much house can I buy with a VA loan in Lincoln NE?

Depends on your income, credit, and debts, same as any loan. But VA doesn't require a down payment, which means all your savings can go toward closing, reserves, or just staying in your savings account. For a typical Lincoln buyer with solid income, that often means a house in the $250K–500K range.

Can I use my VA loan more than once?

Yes. The VA loan benefit is a one-time-at-a-time thing, but you can use it, sell the house, and use it again. With some strategy, you can even have two active VA loans at the same time.

What is the VA funding fee?

A one-time fee that goes to the VA program. Typically 1.25–3.3% of the loan depending on down payment amount and whether it's your first use. Can be rolled into the loan. Waived entirely for veterans with service-connected disabilities.

Will VA require repairs before closing?

Sometimes. The VA appraiser looks for specific "minimum property requirements": things like safe water, functional heat, no peeling paint on pre-1978 homes, no active roof leaks. I spot these before we write an offer so we don't get surprised at appraisal.

Can I buy an acreage with a VA loan?

Yes, but with limits. VA allows up to a certain number of acres for a primary residence. If the property is too agricultural, VA won't back it. We screen for this up front.

Semper Fi. Let's get you a house.

Free 15-minute call. I'll tell you straight what your VA benefit can do in this market.

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That's where I come in.