Unless things have changed in the past 30 years, the VA doesn't actually loan the money, they just provide a guarantee to the bank in case the home owner defaults. Similiar to private mortgage insurance.
My first hubby and I got a VA/CHFA loan back in the late 70s. (CHFA is the Connecticut Housing Finance Authority that provides lower rates for first time home owners who meet certain income and credit guidelines.) We still needed to apply for a mortgage through a local bank that worked with those programs. Not all banks do. There was substantially more paperwork involved and the process took about a month longer.
The big plus for us at the time was 100% financing. At 21 we had no money!
The program may be different. It seems everything the government promised to veterans has changed since then.
Sir Logan Foxhall, OAP, OJP, NAC, NCC, CL1, PS1, PJ1, CGC
Sir Blaze Foxhall, Let the Games Begin!!!
The more I try to understand people, the better I like my dog.