Category: Homebuying Tips

• USDA Loans in Montgomery County: Zero-Down Loans for Rural Tennessee

  USDA Financing in Tennessee

  Kate Matties-Deiboldt

  June 26, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, Land, mortgage, mortgage advice, Mortgage lender Clarksville Tn, real-estate, realtor, Starter Home

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• VA Loans: Refinance, Entitlement & Advanced Topics (Questions 81-100)

  

  This guide covers essential questions and topics for VA loan applicants and borrowers.

  Kate Matties-Deiboldt

  June 26, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, Closing Costs, Credit, FHA Clarksville, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, real-estate, realtor, Starter Home, VA Clarksville, VA loans

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• VA Loans: Closing, Occupancy & Interest Rates (Questions 61-80)

  

  Learn the crucial questions VA buyers must address to ensure a smooth homebuying journey. From understanding closing costs and eligibility requirements to exploring financing options and refinancing strategies, this guide will provide you with the knowledge and confidence to make informed decisions. With expert insights from Kate Matties-Deiboldt, a Senior Mortgage Advisor and Branch Manager…

  Kate Matties-Deiboldt

  June 25, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, FHA Clarksville, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, Mortgage lender Clarksville Tn, real-estate, realtor, VA Clarksville, VA loans

  101st Airborne, appraisal, BAH Taxable-Free Income, BAH vs. Mortgage Payment, bankruptcy, Best VA Lender, buyer education, Clarksville real estate market

• VA Loans: Property, Appraisal & Funding Fee (Questions 41-60)

  

  If you’re a veteran looking to buy a home, a VA loan can be your best friend. With a VA loan, you can purchase a wide range of properties, from condos to farms, without the hassle of a down payment or private mortgage insurance. Plus, you’ll be able to enjoy a lower interest rate and…

  Kate Matties-Deiboldt

  June 24, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, Closing Costs, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, real-estate, realtor, Starter Home, VA Clarksville, VA loans

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• VA Loans: Down Payment, Credit & Income (Questions 21-40)

  

  Uncover the key questions that can impact your VA loan eligibility, including down payment options, credit score requirements, and income sources. Learn from Kate Matties-Deiboldt, a VA loan expert, to make informed decisions and maximize your loan potential.

  Kate Matties-Deiboldt

  June 23, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, Closing Costs, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, real-estate, realtor, VA Clarksville, VA loans

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• Earnest Money, Down Payment, and Closing Costs: A Buyer’s Cheat Sheet for Clarksville TN

  

  Earnest money, down payment, and closing costs explained — comparison table and 5-step budget guide for Clarksville TN homebuyers in 2026.

  Kate Matties-Deiboldt

  June 20, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, Closing Costs, Credit, FHA Clarksville, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, real-estate, realtor, Starter Home, Uncategorized, VA Clarksville, VA loans

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• Don’t Buy a Car Before Closing — A Clarksville Buyer’s Guide

  

  A new $767/mo car payment can push DTI over the limit and kill your Clarksville TN mortgage approval. Here’s exactly what to avoid before closing.

  Kate Matties-Deiboldt

  June 20, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, FHA Clarksville, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, real-estate, realtor, Starter Home, VA Clarksville, VA loans

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• The Death of the Starter Home? What Today’s Homebuyers Need to Know

  

  Affordable homeownership is a challenge in today’s market, with rising home prices, limited inventory, and higher interest rates making it harder for first-time buyers to find a starter home. However, the definition of a starter home is evolving, with buyers exploring alternative options such as townhomes, condos, and manufactured homes.

  Kate Matties-Deiboldt

  June 18, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, FHA Clarksville, First Time Homebuyer, first-time homebuyer, Home Loans, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, real-estate, Starter Home

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• BAH vs. Mortgage Payment: How to Use Your Housing Allowance to buy at Ft Campbell

  

  Discover how to leverage your BAH effectively to secure a mortgage at Fort Campbell. With VA loan advantages and a BAH-to-payment budget method, you can navigate the mortgage process seamlessly. Plan your PCS timing and explore VA-friendly neighborhoods to maximize your savings.

  Kate Matties-Deiboldt

  June 17, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, FHA Clarksville, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, VA Clarksville, VA loans

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• Down Payment Myths: Why You Probably Don’t Need 20% in Middle Tennessee

  

  A few mortgage loans don’t require ANY down payment, others only need 3.5-5.0%. Just Call Kate today to see which loan programs might work best for you.

  Kate Matties-Deiboldt

  June 17, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, Credit, FHA Clarksville, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, Land, Lead Generation, mortgage, mortgage advice, Mortgage lender Clarksville Tn, real-estate, realtor, Uncategorized, VA Clarksville, VA loans

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• Appraisal Came in Low? Here’s What to Do in Clarksville TN

  

  Appraisal came in low on your Clarksville TN home? 5 options — renegotiate, ROV, bring cash, split the gap, or walk away — with a 7-step plan.

  Kate Matties-Deiboldt

  June 16, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, FHA Clarksville, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, real-estate, realtor, VA Clarksville, VA loans

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• How Lenders Calculate Income for W-2 Borrowers (Overtime, Bonus, Commission)

  

  Ever wonder how an underwriter calculated your income?

  Kate Matties-Deiboldt

  June 16, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, Credit, FHA Clarksville, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, Land, Lead Generation, mortgage advice, Mortgage lender Clarksville Tn, real-estate, realtor, Uncategorized, VA Clarksville, VA loans

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• Renting vs. Buying in Clarksville: The 2026 Break-Even Analysis

  

  Pros and Cons of Renting/Buying a home.

  Kate Matties-Deiboldt

  June 15, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, FHA Clarksville, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, mortgage advice, Mortgage lender Clarksville Tn, real-estate, realtor, VA Clarksville, VA loans

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• Down Payment Myths: Why You Probably Don’t Need 20% in Middle Tennessee

  

  You don’t need 20% down to buy a home in most cases. Reach out and Just Call Kate for more information!

  Kate Matties-Deiboldt

  June 11, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, FHA Clarksville, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, VA Clarksville, VA loans

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• VA Loans 101: A Complete Guide for Fort Campbell Service Members

  

  Here is the 411 on VA loans in the Ft Campbell area.

  Kate Matties-Deiboldt

  June 11, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, Fort Campbell, Home Loans, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, VA Clarksville, VA loans

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• The VA Funding Fee Explained (and When It’s Waived)

  

  Fort Campbell PCS and VA loan expert serving Clarksville, Oak Grove & Hopkinsville—helping military families secure VA, FHA and first‑time homebuyer loans. Contact Kate at 931‑980‑9764 or visit www.justcallkate.info. Knowledge is power

  Kate Matties-Deiboldt

  June 9, 2026

  Clarksville, Clarksville Homebuyer, Clarksville Real Estate, Credit, First Time Homebuyer, first-time homebuyer, Fort Campbell, Home Loans, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, VA Clarksville, VA loans

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• How Long Until I Can Buy After a Bankruptcy, Foreclosure, or Short Sale?

  

  How long do you have to wait to buy a house after a Bankruptcy or Foreclosure?

  Kate Matties-Deiboldt

  June 7, 2026

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• How Lenders Calculate Income for W-2 Borrowers (Overtime, Bonus, Commission)

  

  How Lenders Calculate Income for W-2 Borrowers (Overtime, Bonus, Commission) Mortgage lenders usually start with your W-2 base pay, then add overtime, bonus, and commission only if it’s documented and shown to be stable. In plain English: you don’t “tell” a lender what you make — you prove it with paystubs, W-2s, and verification from…

  Kate Matties-Deiboldt

  June 6, 2026

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• Why Your Mortgage Credit Score Is Different From Your Credit Karma Score

  

  Why Credit Karma isn’t exactly your mortgage score…

  Kate Matties-Deiboldt

  June 3, 2026

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• How to Get a Sponsor When PCSing to Fort Campbell (Step-by-Step)

  

  Learn how to get a sponsor at Ft Campbell

  Kate Matties-Deiboldt

  June 2, 2026

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• Contract to Close: The Complete 30-Day Timeline for Buyers

  

  What happens between contract and close? Get the full 30-day timeline — appraisal, underwriting, CTC, and closing — for Clarksville TN buyers.

  Kate Matties-Deiboldt

  May 31, 2026

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• Should I Pay Off Collections Before Applying for a Mortgage?

  

  Collections may not impact as much as you thought. Especially older ones. Do not pay off a collection before talking to a lender about how it will change your credit.

  Kate Matties-Deiboldt

  May 30, 2026

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• Don’t Buy a Car Before Closing — A Clarksville Buyer’s Guide

  

  A new $767/mo car payment can push DTI over the limit and kill your Clarksville TN mortgage approval. Here’s exactly what to avoid before closing.

  Kate Matties-Deiboldt

  May 28, 2026

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• The 5 Mortgage Credit Score Killers (and How to Recover Fast)

  

  Credit scores can be changed if you know how the system works.

  Kate Matties-Deiboldt

  May 27, 2026

  Clarksville Homebuyer, Clarksville Real Estate, Credit, FHA Clarksville, First Time Homebuyer, first-time homebuyer, Home Loans, Homebuying Tips, mortgage, mortgage advice, Uncategorized

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• What Credit Score Do You Really Need to Buy a Home in Clarksville TN?

  

  Credit is one part of the equation, but the “minimum score” varies by loan program and by individual lender. Know your options!

  Kate Matties-Deiboldt

  May 25, 2026

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• 5 Geographic Farming Tactics That Outperform Clarksville Postcards

  

  Five modern farming tactics that beat postcards on cost and conversion for Clarksville TN realtors near Fort Campbell and Montgomery County.

  Kate Matties-Deiboldt

  May 21, 2026

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• Free Home Valuation Funnel for Clarksville TN Realtors

  

  How Clarksville real estate agents turn ‘what’s my home worth’ curiosity into listing appointments — the full seller funnel for 2026.

  Kate Matties-Deiboldt

  May 20, 2026

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• Niche Down to Scale Up: Clarksville TN Realtor Playbook

  

  First-time buyers, VA buyers, and Fort Campbell relocators are the three highest-ROI niches for Clarksville real estate agents in 2026 — here’s how to pick.

  Kate Matties-Deiboldt

  May 19, 2026

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• Pre-Approval Partnership for Clarksville TN Realtors (2026)

  

  How Clarksville TN realtors co-market with a Fort Campbell VA loan specialist to double lead flow — a step-by-step, RESPA-compliant 2026 playbook.

  Kate Matties-Deiboldt

  May 18, 2026

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• Open House Follow-Up Sequences for Clarksville Realtors

  

  Convert open house visitors into Clarksville TN buyers with a proven 7-touch, 30-day follow-up sequence — built for Fort Campbell agents too.

  Kate Matties-Deiboldt

  May 17, 2026

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• VA Loan Timeline in Clarksville: How Long It REALLY Takes (And How to Speed It Up) (Fort Campbell Buyers)

  

  VA loans can close FAST, if you know what to do and proactively set the file up correctly for success

  Kate Matties-Deiboldt

  May 12, 2026

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• Using Seller Concessions to Lower Your Monthly Mortgage Payment (Clarksville, TN + Fort Campbell, KY)

  

  Learn how to lower your payments strategically using seller concessions

  Kate Matties-Deiboldt

  May 11, 2026

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• Thinking of buying land?

  Are you thinking of buying land and building a home? Make sure you read this and understand what’s necessary, what’s optional, and what you don’t wanna miss.

  Kate Matties-Deiboldt

  May 8, 2026

  Clarksville Homebuyer, Homebuying Tips, Land, mortgage, mortgage advice, Mortgage lender Clarksville Tn, VA Clarksville

  Best VA Lender, buyer education, Clarksville real estate market, Clarksville TN mortgage, closing costs explained, conventional loan guide, conventional loan Tennessee, credit tips for homebuyers, credit-score, Deal Doctor mortgage, down payment assistance Tennessee, duplex, FHA home loan guide, FHA loan Clarksville TN, finance, first time homebuyer Clarksville, Fort Campbell, Fort Campbell mortgage, Fort Campbell relocation, fourplex, Google Maps for Mortgages, home affordability tips, home building, home buying in Clarksville TN, home buying near Fort Campbell, home loan approval tips, home loan tips, home-buying, homebuyer tips, interest rates, Just Call Kate, Kate Deiboldt, Kentucky mortgage lender, Kentucky real estate, Land, loan officer Clarksville TN, local home financing, local mortgage lender, low credit score home loan, military home loan, military relocation mortgage, mortgage, mortgage advice, mortgage blog, mortgage denied complicated mortgage file self employed mortgage low credit mortgage VA loans FHA loans Clarksville TN mortgage lender Fort Campbell VA lender first time homebuyer debt to income ratio, mortgage help Clarksville, mortgage myths, mortgage pre-approval, mortgage preapproval, mortgage process explained, mortgage rates, mortgage rates Tennessee, mortgage solutions Tennessee, PCS move Fort Campbell, rates, real estate financing, real-estate, realtor, refinance options Tennessee, self employed mortgage, Tennessee mortgage lender, Tennessee real estate, trusted mortgage advisor, VA home loan benefits, VA loan Clarksville TN, VA loan Fort Campbell, VA loans, VanDyk Mortgage

• VA Funding Fee Explained (And How Some Buyers Avoid It)

  

  What’s a funding fee?

  Kate Matties-Deiboldt

  May 8, 2026

  Clarksville Homebuyer, Credit, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, Uncategorized, VA Clarksville

  buyer education, Clarksville real estate market, Clarksville TN mortgage, closing costs explained, conventional loan guide, conventional loan Tennessee, credit tips for homebuyers, credit-score, Deal Doctor mortgage, down payment assistance Tennessee, FHA home loan guide, FHA loan Clarksville TN, finance, first time homebuyer Clarksville, Fort Campbell mortgage, Fort Campbell relocation, home affordability tips, home buying in Clarksville TN, home buying near Fort Campbell, home loan approval tips, home loan tips, home-buying, homebuyer resources, Just Call Kate, Kate Deiboldt, Kentucky mortgage lender, Kentucky real estate, loan officer Clarksville TN, local home financing, local mortgage lender, low credit score home loan, military home loan, military relocation mortgage, mortgage, mortgage advice, mortgage blog, mortgage help Clarksville, mortgage myths, mortgage preapproval, mortgage process explained, mortgage rates Tennessee, mortgage solutions Tennessee, PCS move Fort Campbell, rates, real estate financing, real-estate, realtor, refinance options Tennessee, self employed mortgage, Tennessee mortgage lender, Tennessee real estate, VA home loan benefits, VA loan Clarksville TN, VA loan Fort Campbell, VanDyk Mortgage

• VA Home Loans in Clarksville, TN: What Every Fort Campbell Soldier Needs to Know

  

  The VA Home Loan is a valuable mortgage benefit for eligible veterans and active-duty military, offering advantages like no down payment and no private mortgage insurance. This guide clarifies common misconceptions, outlines the loan process, and emphasizes the importance of working with experienced lenders familiar with the Clarksville market to maximize benefits.

  Kate Matties-Deiboldt

  May 3, 2026

  Clarksville Homebuyer, Credit, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, VA Clarksville

  Clarksville TN mortgage, credit-score, finance, first time homebuyer Clarksville, Fort Campbell mortgage, home-buying, Kentucky mortgage lender, real-estate, realtor, Tennessee mortgage lender, VA loan Clarksville TN, VA loan Fort Campbell

• VA Loan Timeline in Clarksville: How Long It Really Takes (And How to Speed It Up)

  

  I make mortgage make sense!

  Kate Matties-Deiboldt

  April 27, 2026

  Clarksville Homebuyer, Credit, Homebuying Tips, mortgage, mortgage advice, Uncategorized, VA Clarksville

  Clarksville TN mortgage, closing costs explained, conventional loan Tennessee, credit tips for homebuyers, credit-score, down payment assistance Tennessee, FHA loan Clarksville TN, finance, first time homebuyer Clarksville, Fort Campbell mortgage, home affordability tips, home buying in Clarksville TN, home buying near Fort Campbell, home loan tips, home-buying, Just Call Kate, Kentucky mortgage lender, loan officer Clarksville TN, local mortgage lender, military home loan, mortgage, mortgage advice, mortgage myths, mortgage preapproval, mortgage rates Tennessee, PCS move Fort Campbell, real-estate, realtor, refinance options Tennessee, Tennessee mortgage lender, VA loan Clarksville TN, VA loan Fort Campbell, VanDyk Mortgage

• VA Loan Timeline in Clarksville: How Long It REALLY Takes (And How to Speed It Up)

  **SEO Title:** VA Loan Timeline in Clarksville: How Long It Really Takes (Fort Campbell Buyers) **Meta Description:** Wondering how long a VA loan takes in Clarksville/Fort Campbell? Here’s a realistic timeline, what causes delays, and how to close faster. **Suggested URL Slug:** va-loan-timeline-clarksville-fort-campbell **Suggested Tags:** VA loan timeline, Clarksville TN, Fort Campbell, underwriting, closing, PCS…

  Kate Matties-Deiboldt

  April 20, 2026

  Clarksville Homebuyer, Homebuying Tips, mortgage, mortgage advice, Mortgage lender Clarksville Tn, Uncategorized, VA Clarksville

  Best VA Lender, buyer education, Clarksville real estate market, Clarksville TN, Clarksville TN mortgage, closing costs explained, conventional loan guide, conventional loan Tennessee, credit tips for homebuyers, credit-score, Deal Doctor mortgage, down payment assistance Tennessee, duplex, FHA home loan guide, FHA loan Clarksville TN, FHA loans, finance, first time homebuyer Clarksville, first-time homebuyer, Fort Campbell, Fort Campbell mortgage, Fort Campbell mortgage lender, Fort Campbell relocation, fourplex, Google Maps for Mortgages, home affordability tips, home buying in Clarksville TN, home buying near Fort Campbell, home loan approval tips, home loan tips, home-buying, homebuyer resources, homebuyer tips, interest rates, Just Call Kate, Kate Deiboldt, Kentucky mortgage lender, Kentucky real estate, loan officer Clarksville TN, local home financing, local mortgage lender, low credit score home loan, military home loan, military home loans, military relocation mortgage, mortgage, mortgage advice, mortgage blog, mortgage denied complicated mortgage file self employed mortgage low credit mortgage VA loans FHA loans Clarksville TN mortgage lender Fort Campbell VA lender first time homebuyer debt to income ratio, mortgage help Clarksville, Mortgage lender Clarksville Tn, mortgage myths, mortgage pre-approval, mortgage preapproval, mortgage process explained, mortgage rates, mortgage rates Tennessee, mortgage solutions Tennessee, multi-family, PCS move Fort Campbell, rates, real estate financing, real-estate, realtor, refinance options Tennessee, self employed mortgage, Tennessee mortgage lender, Tennessee real estate, triplex, trusted mortgage advisor, VA appraisal, VA disability, VA funding fee, VA home loan benefits, VA loan, VA loan Clarksville TN, VA loan Fort Campbell, VA loans, VanDyk Mortgage

• VA Appraisal vs Inspection: Fort Campbell & Clarksville Buyers—Know the Difference

  

  VA appraisal and home inspection are not the same—and confusing them can cost you time, money, and peace of mind. Here’s the simple difference (with local Clarksville/Fort Campbell context) and how to protect your deal.

  Kate Matties-Deiboldt

  April 18, 2026

  Clarksville Homebuyer, Homebuying Tips, mortgage, mortgage advice, Uncategorized, VA Clarksville

  Clarksville TN mortgage, FHA loan Clarksville TN, first time homebuyer Clarksville, Fort Campbell, Fort Campbell mortgage, home inspection, homebuyer tips, Kentucky mortgage lender, military home loans, mortgage pre-approval, VA appraisal, VA loan Clarksville TN, VA loan Fort Campbell, VA loans

• VA Funding Fee Explained (And How Some Buyers Avoid It)

  

  The VA funding fee is a one-time cost on many VA loans—but some Fort Campbell and Clarksville buyers are exempt. Here’s what it is, how it works, and how to plan your cash-to-close.

  Kate Matties-Deiboldt

  April 17, 2026

  Clarksville Homebuyer, Homebuying Tips, mortgage, Uncategorized, VA Clarksville

  Clarksville TN, Clarksville TN mortgage, closing costs explained, conventional loan Tennessee, FHA loan Clarksville TN, first time homebuyer Clarksville, Fort Campbell, Fort Campbell mortgage, home buying in Clarksville TN, home buying near Fort Campbell, home loan tips, Kentucky mortgage lender, local mortgage lender, military home loan, mortgage, mortgage advice, mortgage preapproval, mortgage rates Tennessee, PCS move Fort Campbell, Tennessee mortgage lender, VA disability, VA funding fee, VA loan, VA loan Clarksville TN, VA loan Fort Campbell

• Buying a 2–4 Unit Property with a VA or FHA Loan in Clarksville & Fort Campbell: A Practical Guide

  

  Learn how to buy a 2–4 unit property with VA loans or FHA loans in Clarksville, TN and near Fort Campbell, KY. Requirements, pitfalls, and a clear path to mortgage pre-approval.

  Kate Matties-Deiboldt

  April 15, 2026

  Clarksville Homebuyer, Credit, FHA Clarksville, Homebuying Tips, mortgage, mortgage advice, Uncategorized, VA Clarksville

  Clarksville TN mortgage, duplex, FHA loan Clarksville TN, FHA loans, first time homebuyer Clarksville, first-time homebuyer, Fort Campbell mortgage, Fort Campbell mortgage lender, fourplex, homebuyer tips, Kentucky mortgage lender, mortgage pre-approval, multi-family, Tennessee mortgage lender, triplex, VA loan Clarksville TN, VA loan Fort Campbell, VA loans