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VA Loan Programs

A mortgage loan program that serves those who have served our country.

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VA Home Loan Financing Options in Virginia

The VA loan program is crafted to assist America's heroes in realizing their dream of homeownership. As a trusted mortgage company in Hampton Roads with a rich history of supporting our military families, we are here to help you navigate the nuances, ensuring you capitalize on its many benefits during your path towards homeownership. Tidewater Home Funding remains steadfast in guiding eligible candidates through every phase of the VA loan application process, fostering the transformation of homeownership dreams into reality.

What is a VA Loan?

The VA loan program, a special program through the U.S. Department of Veterans Affairs, is designed to facilitate a smoother and more accessible home buying experience for our nation's veterans, active-duty service members, and military spouses. Already have a VA loan? Our dedicated team at Tidewater Home Funding is just a call away to help you explore possibilities like VA Streamline Refinance, leveraging our approved delegated underwriting authority with the VA.

Simplifying VA Mortgage Loan Programs

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VA Home Loan Benefits

Our team is committed to supporting our military community by helping you obtain your dream of homeownership. Some benefits a VA mortgage loan program offers includes:

No Private Mortgage Insurance (PMI) feature
Sellers can pay for your closing costs
Because insured by the Federal Government, VA mortgage loans are typically easier to qualify for
Disabled Veterans may qualify for a waiver of the Funding Fee if they receive disability payments from the VA or are at least 10% disabled

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Mortgage Calculators

Explore our user-friendly mortgage calculators and get a jump-start on the homebuying process*

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What are the Requirements for VA Loans?

As a rule of thumb, almost all Active Duty or honorably discharged service members are eligible for a VA mortgage loan. You may be eligible for a VA loan if any one of these statements describe you:

I served 181 days during peacetime and am Active Duty
I served 90 days during wartime and am Active Duty
I served 6 years in the Reserves or National Guard
I am the spouse of a service member who was killed in the line of duty
I currently receive disability payments from the VA

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Start Your Loan Application, Today

Quickly start your path towards homeownership with our online loan application.

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What is a VA Funding Fee?

Required by the Department of Veteran's Affairs (VA), a VA Funding Fee is a fee paid directly to the VA so they can guarantee your mortgage loan and provide you with the opportunity to receive a loan at little to no money out of pocket.

How Much is the VA Funding Fee? The amount varies on several factors including if you are Active Duty, Retired, Guard or Reserve, and whether this is your first-time use, subsequent use, or a cash-out refinance as well as how much your down payment is. The fee can range from 1.250% - 3.300% of the loan. Typically, the greater your down payment, the lower the VA Funding Fee is. Please contact our team so we may help you determine the exact cost of the feee in your unique scenario.

Do I Have to Pay the VA Funding Fee? You do not have to pay the fee out of pocket. You can include the VA Funding Fee within your loan amount and pay the fee over the term of your loan.

Do I Still Have to Pay Other Normal Closing Costs? While you still need to pay for typical closing costs such as the appraisal, title, and escrows, with a VA loan, if you are purchasing a new home the seller can pay for all or part of your closing costs.

What is a VA Streamline Refinance? If you already have a VA mortgage and want to lower your interest rate with little to no out of pocket closing costs, a VA Streamline refinance option is available. You do not need to provide bank statements, W2s, job verifications, or paychecks.

Frequently Asked VA Loan Questions

A VA loan is a type of mortgage loan available in the United States that is guaranteed by the United States Department of Veterans Affairs (VA). It is designed specifically for American military veterans, active-duty service members, and eligible spouses.

A VA loan comes with several significant benefits, including no private mortgage insurance (PMI) requirement, potentially lower interest rates, and more lenient credit score requirements compared to other loan types.

Yes, a VA loan can only be used to buy a primary residence and not for investment properties or vacation homes. The property also needs to meet specific VA minimum property requirements, which your mortgage lender can detail for you.

The VA funding fee is a one-time payment to the VA to help sustain the loan program. The amount of the fee varies based on your type of service and the amount of your down payment.

Yes, one of the benefits of a VA loan is its more lenient credit requirements compared to other types of loans. While the VA doesn't set a minimum credit score, most lenders typically look for a score of 620 or higher.

Yes, your VA loan benefits can be reused if you have paid off your previous VA loan and no longer own the property. In some cases, you might be able to reuse your benefits even if you haven't sold your previous home.

Yes, you can refinance a VA loan to potentially obtain a lower interest rate or switch from an adjustable-rate mortgage to a fixed-rate mortgage.

To obtain a VA loan, you first need to get a Certificate of Eligibility (COE) through the VA. Once you have the COE, you can apply for a VA loan through a VA-approved lender, like Tidewater Home Funding, who will help you with the remainder of the process, including the property appraisal and underwriting of the loan.

Yes, VA loans do not have a prepayment penalty, meaning you can pay off your loan earlier than the agreed term without incurring additional charges. This can save you interest over the life of the loan.

What Our Customers Say About Us

In your journey towards buying a house or refinancing your mortgage, Tidewater Home Funding emerges as your trusted partner. Experience personalized assistance shared around your mortgage needs and support at each phase of the loan process. Being a locally owned mortgage company, we have an understanding of the Hampton Roads, Richmond, and Outer Banks homebuying markets empowering you through the homebuying process. Contact our team today and explore our variety of loan programs.

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4.9

69 reviews

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Michelle at Tidewater Home Funding is amazing. I cannot say enough wonderful things about her. She was there for me from the moment I called her. I was a first-time homebuyer, and she answered all my questions quickly and thoroughly. She made me feel ...

Michelle at Tidewater Home Funding is amazing. I cannot say enough wonderful things about her. She was there for me from the moment I called her. I was a first-time homebuyer, and she answered all my questions quickly and thoroughly. She made me feel comfortable with the process and protected by her and her awesome team. Even after I closed on the home, Michelle was still there, answering any questions I had. She is super responsive and knowledgeable. I do not think I would have had the wonderful experience I had, if it were not for her and our amazing realtor. Please, if you are buying a home, reach out to Michelle, you will not regret it.

3 months ago

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Michelle has been very helpful and transparent and supportive to us in our home application and buying. Highly recommend her! :)

Michelle has been very helpful and transparent and supportive to us in our home application and buying. Highly recommend her! :)

Ryan Buttacavoli

4 months ago

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Susanna Thompson was very easy to work with. She was very prompt with communication and patient.

Susanna Thompson was very easy to work with. She was very prompt with communication and patient.

Casey Shalkowski

6 months ago

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Guided me through the process and secured a loan for my families dream home. What more could you ask for?

Guided me through the process and secured a loan for my families dream home. What more could you ask for?

6 months ago

Posted on Google

She is amazing and explains everything and has great communication. All around 5 stars

She is amazing and explains everything and has great communication. All around 5 stars

2 years ago

Posted on Google

Michelle made our whole home financing process so easy and worry free. My husband and I could t have gotten through selling one house and buying our new one without her. I would 100% recommend her to anyone.

Michelle made our whole home financing process so easy and worry free. My husband and I could t have gotten through selling one house and buying our new one without her. I would 100% recommend her to anyone.

3 years ago

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Michelle was great in the process of purchasing our home! I couldn’t have asked for a better lender! Thanks Michelle for always being on top of everything!

Michelle was great in the process of purchasing our home! I couldn’t have asked for a better lender! Thanks Michelle for always being on top of everything!

3 years ago

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Michelle went above and beyond! She was always quick to answer emails/phone calls and made the entire process seamless and stress-free!! We will be repeat customers!

Michelle went above and beyond! She was always quick to answer emails/phone calls and made the entire process seamless and stress-free!! We will be repeat customers!

3 years ago

Posted on Google

Helpful

Helpful

NitroTheChamp Zach

3 years ago

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Love Michelle! So helpful & quick to respond to any questions you may have.

Love Michelle! So helpful & quick to respond to any questions you may have.

3 years ago

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3 years ago

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If you are even thinking about purchasing a home, please contact Michelle Greene Phillips (Licensed Senior Mortgage Loan Officer) to get your pre-approval to start (but she stay with you until you go to the closing table and even after) and yes she go abo ...

If you are even thinking about purchasing a home, please contact Michelle Greene Phillips (Licensed Senior Mortgage Loan Officer) to get your pre-approval to start (but she stay with you until you go to the closing table and even after) and yes she go above and beyond to help you get the best rates for everything, answer your millions of questions, answers your phone calls when you stressed out and need to be calmed down even if she in the middle of dinner with her family! We have absolutely NO regrets from working with her and now she is the ONLY one we will do business with or refer family or friends too!

3 years ago

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Deb Olmstead was an absolute gem to work with. She was on the ball and always kept us updated. We would highly recommend Deb to anyone.

Deb Olmstead was an absolute gem to work with. She was on the ball and always kept us updated. We would highly recommend Deb to anyone.

Corah Michelini

3 years ago

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I absolutely enjoyed my time working with Michelle Phillips. She never missed a text or phone call. She answered all my questions and assisted me in all aspects of purchasing my first home. Even when I had home owners insurance questions after I bought my ...

I absolutely enjoyed my time working with Michelle Phillips. She never missed a text or phone call. She answered all my questions and assisted me in all aspects of purchasing my first home. Even when I had home owners insurance questions after I bought my house, she was only a text message away. If you’d like a smooth home buying experience I recommend working with Michelle.

3 years ago

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Beatrice Luther

3 years ago

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This was a learning experience for both my husband and I. We appreciate all the hard work Michelle and her team did for us. Although at times, it was stressful, we appreciate everything; especially the financial advice about homebuying. Thank you again ...

This was a learning experience for both my husband and I. We appreciate all the hard work Michelle and her team did for us. Although at times, it was stressful, we appreciate everything; especially the financial advice about homebuying. Thank you again. We love our new home and we are in the process of still unpacking and trying to decorate. It feels good to wake up to being a homeowner, not a renter. This gives us joy and happiness.

3 years ago

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Great service and communication. My husband and I have worked with them twice and both times we have been grateful for their hardwork. They are more than willing to answer all of the questions we had and always kept us updated. Would definitely recommend!

Great service and communication. My husband and I have worked with them twice and both times we have been grateful for their hardwork. They are more than willing to answer all of the questions we had and always kept us updated. Would definitely recommend!

3 years ago

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3 years ago

Posted on Google

We couldn’t have asked for a better experience purchasing our home , Michelle Phillips and Emily Sherman are the best at what they do! Our agent was also impressed with how fast and responsive they where . Thank you both for making this a reality for us a ...

We couldn’t have asked for a better experience purchasing our home , Michelle Phillips and Emily Sherman are the best at what they do! Our agent was also impressed with how fast and responsive they where . Thank you both for making this a reality for us after 13 years of renting

3 years ago

Posted on Google

This is my second time dealing with Tidewater with Michelle Phillip, and she is the best. She helped my family purchase our first home and she made the process extremely easy and worked with my schedule. I also recently refinance my home and went through ...

This is my second time dealing with Tidewater with Michelle Phillip, and she is the best. She helped my family purchase our first home and she made the process extremely easy and worked with my schedule. I also recently refinance my home and went through Michelle again, and she again did a great job. She helps you the best she can and tries to look for the best option for you. Highly recommend!

Christian Paulino

3 years ago

Posted on Google

Michelle Phillips with Tidewater Funding was amazing! She is very knowledgeable and was very supportive throughout the whole process. She goes above and beyond for her clients and I highly recommend her for all your mortgage needs.

Michelle Phillips with Tidewater Funding was amazing! She is very knowledgeable and was very supportive throughout the whole process. She goes above and beyond for her clients and I highly recommend her for all your mortgage needs.

3 years ago

Posted on Google

Tide Water Funding made me home buying journey as easy and smooth as possible. They guided me through the whole journey, taking the stress away from the loan process. I highly recommend this company to any one looking for a legit and easy to work with loa ...

Tide Water Funding made me home buying journey as easy and smooth as possible. They guided me through the whole journey, taking the stress away from the loan process. I highly recommend this company to any one looking for a legit and easy to work with loan company. Special shout out to Michelle Phillips for being so easy to work with and always staying in touch with me to help me out. She was also very honest and helped have realistic expectations on what i could afford or couldn't afford.

3 years ago

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Michelle did such an amazing job making sure our first home buying process was as smooth as possible. Michelle made sure to thoroughly explain everything in a way I understood. My husband and I are very grateful we got set up with her, and her years of ex ...

Michelle did such an amazing job making sure our first home buying process was as smooth as possible. Michelle made sure to thoroughly explain everything in a way I understood. My husband and I are very grateful we got set up with her, and her years of experience. Would highly recommend!

3 years ago

Posted on Google

Michelle Phillips was awesome to work with. She went out of her way to help find me loans and grants to save thousands of dollars and I could not thank her enough. Michelle responds very quick. She explained everything in a way more simple way so that I c ...

Michelle Phillips was awesome to work with. She went out of her way to help find me loans and grants to save thousands of dollars and I could not thank her enough. Michelle responds very quick. She explained everything in a way more simple way so that I could understand. She is very genuine and does GREAT at what she does! I was so lucky to be able to work with her.

3 years ago

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We had the pleasure of working with Colby Raymond to obtain a mortgage loan for our first home. She was great at explaining the different advantages or disadvantages of the types of loans we qualified for. More importantly, if not for her, we would have b ...

We had the pleasure of working with Colby Raymond to obtain a mortgage loan for our first home. She was great at explaining the different advantages or disadvantages of the types of loans we qualified for. More importantly, if not for her, we would have been essentially "scammed" out of $11k by our realtor who was trying to have us borrow money from family to bring to closing- not for the purpose of making the sale, but to increase her commission. She literally saved us 11 grand just by being attentive and good at her job.

3 years ago

Posted on Google

Michelle Phillips took the time to explain all my loan options in full detail, as a first time home buyer. She outlined the steps for me so I could prepare in advance, and guided me along the process until closing. I'm grateful for her assistance. Thank y ...

Michelle Phillips took the time to explain all my loan options in full detail, as a first time home buyer. She outlined the steps for me so I could prepare in advance, and guided me along the process until closing. I'm grateful for her assistance. Thank you Michelle, I'm very appreciative! L. Sanders

3 years ago

Posted on Google

This group is extremely knowledgeable and helped me through every step of my loan process while buying my first home. Everything went smoothly and I highly recommend them!

This group is extremely knowledgeable and helped me through every step of my loan process while buying my first home. Everything went smoothly and I highly recommend them!

3 years ago

Posted on Google

Michelle Phillips was excellent from start to finish ! Always professional yet warm and friendly. Communication response time was almost immediate.

Michelle Phillips was excellent from start to finish ! Always professional yet warm and friendly. Communication response time was almost immediate.

3 years ago

Posted on Google

I am so thankful to have worked with Michelle Phillips in securing the loan for my first home! She has been such a valuable resource not only during, but even after closing on my home. She walked me through the process step by step and was always availabl ...

I am so thankful to have worked with Michelle Phillips in securing the loan for my first home! She has been such a valuable resource not only during, but even after closing on my home. She walked me through the process step by step and was always available to answer my questions and ease my concerns. Thank you again for making this such a smooth experience for me!

Elizabeth Zwisler

3 years ago

Posted on Google

We worked with Lori and had an amazing experience. She was able to answer all of our questions with expert experience. Something that has always bugged me is when people treat you like a number instead of a person with real needs. Lori made sure we were t ...

We worked with Lori and had an amazing experience. She was able to answer all of our questions with expert experience. Something that has always bugged me is when people treat you like a number instead of a person with real needs. Lori made sure we were taken care of and understood every step of the way. Thank you Lori

4 years ago

Posted on Google

Michelle Phillips and the team at Tidewater Home Funding make you their priority. They are professional, efficient, communicative and LOCAL! We actually ended up switching from the bank we usually use to Tidewater Home Funding because the bank's loan dep ...

Michelle Phillips and the team at Tidewater Home Funding make you their priority. They are professional, efficient, communicative and LOCAL! We actually ended up switching from the bank we usually use to Tidewater Home Funding because the bank's loan department was too big to get our closing done on time. I would use this company again and recommend them to my family.

4 years ago

Posted on Google

I cannot thank Michelle Phillips, and the folks at Tidewater Home Funding enough for everything they’ve done throughout the home buying process. I was a first time homebuyer and Michelle made the mortgage process easy and ALWAS had my back! She guided me ...

I cannot thank Michelle Phillips, and the folks at Tidewater Home Funding enough for everything they’ve done throughout the home buying process. I was a first time homebuyer and Michelle made the mortgage process easy and ALWAS had my back! She guided me through the process, reassured me when I was nervous, and never made me feel like I was a bother or asking a stupid question. I cannot recommend her highly enough!! If you are looking to get a mortgage or refinance - you absolutely need to contact Tidewater Home Funding, and ask for Michelle!

4 years ago

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We recently refinanced with Tidewater Home Funding. Our advisor was Madison McCutcheon. She made the process easy and quick. She was very responsive to emails and calls and provided excellent customer service during and beyond the refinance. I would h ...

We recently refinanced with Tidewater Home Funding. Our advisor was Madison McCutcheon. She made the process easy and quick. She was very responsive to emails and calls and provided excellent customer service during and beyond the refinance. I would highly recommend THF and Madison.

4 years ago

Posted on Google

Michelle Phillips made the process of buying a home easy for me. Now with COVID-19 almost everything was done via Doc you sign. Michelle kept in constant contact with me and guided me throughout the whole process. Being a first time home buyer can be frus ...

Michelle Phillips made the process of buying a home easy for me. Now with COVID-19 almost everything was done via Doc you sign. Michelle kept in constant contact with me and guided me throughout the whole process. Being a first time home buyer can be frustrating at times but Michelle was right there like I said guiding me through the whole process. Her professionalism is unmatched and at the end felt like family. If I ever need another loan I will be contacting Michelle Phillips. The best!

4 years ago

Posted on Google

Michelle helped make the home buying process stress free. She was extremely helpful in the whole process, from getting pre-approved all the way to closing. Always willing to answer all my questions at any time of the day.

Michelle helped make the home buying process stress free. She was extremely helpful in the whole process, from getting pre-approved all the way to closing. Always willing to answer all my questions at any time of the day.

Michael Thomson

4 years ago

Posted on Google

Tidewater was the absolute best. Michelle Phillips and the whole team worked tirelessly to help my family in buying a home. I would recommend 10 times over. I cannot say enough how supportive their were and genuine.

Tidewater was the absolute best. Michelle Phillips and the whole team worked tirelessly to help my family in buying a home. I would recommend 10 times over. I cannot say enough how supportive their were and genuine.

4 years ago

Posted on Google

My fiance and I had a wonderful experience working with Tidewater Home Funding to purchase our first home! We worked closely with Michelle Phillips, who do an amazing job getting all of our paperwork processed and in order for our close date. She was also ...

My fiance and I had a wonderful experience working with Tidewater Home Funding to purchase our first home! We worked closely with Michelle Phillips, who do an amazing job getting all of our paperwork processed and in order for our close date. She was also wonderful about breaking everything down for us and holding our hand the entire step of the way. Purchasing your first home (or any home) can be intimidating and a lot of information, so we were extremely thankful to have Michelle to guide us through the process. Would HIGHLY recommend Tidewater Home Funding!

4 years ago

Posted on Google

We used Michelle Phillips with Tidewater Home Funding with the purchase of our first home and when we were ready to refinance and we couldn't of been happier. She was always available to answer any questions we had and helped us every step of the way. S ...

We used Michelle Phillips with Tidewater Home Funding with the purchase of our first home and when we were ready to refinance and we couldn't of been happier. She was always available to answer any questions we had and helped us every step of the way. She really made it a breeze!! I highly recommend her!

4 years ago

Posted on Google

Great to work with! Would definitely recommend

Great to work with! Would definitely recommend

4 years ago

Posted on Google

Michelle is amazing! I would recommend her to anyone. Extremely professional and knowledgeable! She made the whole expirence personal as if we were family!

Michelle is amazing! I would recommend her to anyone. Extremely professional and knowledgeable! She made the whole expirence personal as if we were family!

4 years ago

Posted on Google

Michelle was very helpful and worked diligently with our loan process. She gave tips that worked in our favor. I would work with Michelle again.

Michelle was very helpful and worked diligently with our loan process. She gave tips that worked in our favor. I would work with Michelle again.

Natasha Richardson

4 years ago

Posted on Google

Michelle was awesome! She was always available to answer any questions or concerns throughout the whole process. Highly recommend!

Michelle was awesome! She was always available to answer any questions or concerns throughout the whole process. Highly recommend!

Brandon Armstrong

4 years ago

Posted on Google

Michelle Phillips is absolutely amazing. It was our first time buying a house and she made the process so easy to understand and get through. I am one of those people that seriously has a question about everything especially when purchasing a home and Mi ...

Michelle Phillips is absolutely amazing. It was our first time buying a house and she made the process so easy to understand and get through. I am one of those people that seriously has a question about everything especially when purchasing a home and Michelle answered them without hesitation. She would answer the phone or text whenever we reached out. I would highly recommend her to everyone that is in the home buying process.

4 years ago

Posted on Google

I worked with Michelle Phillips for my mortgage on the house I recently closed on. Let me just say that she did a fantastic job. From start to finish, I knew that we had gone with a great company and got paired up with an experienced and knowledgeable loa ...

I worked with Michelle Phillips for my mortgage on the house I recently closed on. Let me just say that she did a fantastic job. From start to finish, I knew that we had gone with a great company and got paired up with an experienced and knowledgeable loan officer. She took special care to be mindful of my particular situation using a VA loan and helping me find a budget that worked for my wife and I. She answered any questions along the way and was accessible at a moment's notice for the last minute details. Everything was squared away and in fact early due to the seller's situation which was no problem for Michelle and Tidewater Home Funding. A larger company might not have been able to accommodate that. All in all, I highly recommend Tidewater Home Funding and ask to see Michelle Phillips! She will take care of you!

Grant Hungerford

4 years ago

Posted on Google

Michelle is great!! She is fast, efficient, organized. She guided us through the process. I had no problems. Thank you!!

Michelle is great!! She is fast, efficient, organized. She guided us through the process. I had no problems. Thank you!!

4 years ago

Posted on Google

Michelle Phillips did an excellent job helping us get into our home. She was extremely knowledgeable and thorough with her field and was able to break things down for my wife and I whenever we needed help understanding a process. She was also very spot on ...

Michelle Phillips did an excellent job helping us get into our home. She was extremely knowledgeable and thorough with her field and was able to break things down for my wife and I whenever we needed help understanding a process. She was also very spot on with the numbers when she estimated them for us as far as monthly payments for home, interest rates, etc. I fully recommend using her as a loan officer.

4 years ago

Posted on Google

I had the pleasure of working with Michelle Phillips. She was very pleasant to work with and kept me up to date at all times. I had a very good experience working with her.

I had the pleasure of working with Michelle Phillips. She was very pleasant to work with and kept me up to date at all times. I had a very good experience working with her.

4 years ago

Posted on Google

Michelle took all the stress out of purchasing a new home by always having an answer for all our questions. This was my second time working with Michelle and I recommend her to everyone buying a home.

Michelle took all the stress out of purchasing a new home by always having an answer for all our questions. This was my second time working with Michelle and I recommend her to everyone buying a home.

4 years ago

Posted on Google

I had the pleasure of working with Michelle Phillips of Tidewater Home Funding in a recent home purchase. I was highly impressed with Michelle’s professionalism and recommend her to anyone seeking a knowledgeable, responsive and courteous Loan Officer. In ...

I had the pleasure of working with Michelle Phillips of Tidewater Home Funding in a recent home purchase. I was highly impressed with Michelle’s professionalism and recommend her to anyone seeking a knowledgeable, responsive and courteous Loan Officer. In an otherwise arduous process, Michelle was a rare pleasure; therefore, I’m pleased to offer her and Tidewater my FIVE-STAR referral!

4 years ago

Posted on Google

Madison McCutcheon is incredible! We had a 30 day turnaround with closing on our home not in small part to do with how great Madison is. She was also on the end of the phone, willing to answer emails and texts and even have us call in the office with ques ...

Madison McCutcheon is incredible! We had a 30 day turnaround with closing on our home not in small part to do with how great Madison is. She was also on the end of the phone, willing to answer emails and texts and even have us call in the office with questions. She was constantly professional and friendly. Highly recommend working with Madison!

4 years ago

Posted on Google

Contact Our Team

Reach out to our team of local mortgage loan officers and take the initial step towards homeownership. Our team is ready to assist you throughout the process, offering you the necessary information and guidance to help you make informed decisions for your unique needs. Don't delay any longer - contact our team today.

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*Not a commitment to lend. Calculation estimates are hypothetical and intended for educational purposes only. Additional fees and costs, such as taxes and insurance, may not be included and may be different based on the loan program. Actual payment obligation may be higher. Loan programs, interest rates, loan terms and conditions are subject to change and may vary based on market conditions and individual circumstances. If refinancing an existing loan, the total finance charges may be higher over the life of the loan. For more information, please consult with one of our licensed loan officers.

These materials are not from HUD, VA, or FHA and were not approved by HUD or any other government agency.