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Chris Birk
Director of Education
Joined: September 15th 2015
I'm the Director of Education for Veterans United Home Loans. I'm also the author of "The Book on VA Loans: An Essential Guide to Maximizing Your Home Loan Benefits." My mortgage analysis and commentaries have appeared at The New York Times, the Wall Street Journal, ABC News, CBS News, Fox Business, Zillow, Military.com and more. Nearly 330,000 people follow VA Loans Insider, my interactive VA loan community on Facebook.

I wrote The Book on VA Loans. See more at www.veteransunited.com/book
My Company
Veterans United
Veterans United Home Loans is the nation's largest dedicated provider of VA Loans - dedicated to making the American dream of home ownership a reality for those who so bravely served.

Our team of passionate, hard-working individuals is committed to exceeding our clients' expectations by providing a wealth of helpful information and providing personal, specialized knowledge and support. We proudly recognize the honor of military service, so when you're ready to purchase or refinance a home, we'll be proud to serve you.

Veterans United Home Loans is a VA Approved Lender and is not affiliated with any government agencies, including the VA. To contact Veterans United, call (888) 212-1958 or visit www.vu.com.

Customers with questions regarding our loan officers and their licensing may visit the Nationwide Mortgage Licensing System & Directory for more information.

Mortgage Research Center NMLS#1907 (www.nmlsconsumeraccess.org). Equal Opportunity Lender.
My Activity
Chris Birk answered a question
Answered 2 years ago
So I apply first to FHA then go to a financial institute or I go straight to the financial institue asking about FHA loan?
Anonymous User Asked:
I am not sure how get the necessary funding / pre approval to buy a house
Chris Birk Answered:
Hi there. It's a good idea to go to a lender first to discuss getting preapproved. They should be able to give you some more information on if you qualify, what your options are, and what your purchasing power will likely be.

Chris Birk answered a question
Answered 2 years ago
How long will it take to raise my low FICO score to something that looks better to a lender?
Anonymous User Asked:
I won't go into details about how my credit score could be better. I've been working on getting it higher for about a year and it's looking better. I don't really understand how long it takes for negative things that have been... (more)
Chris Birk Answered:
It's tough to say because so much depends on your specific situation and what's most affecting your score profile. Some negative things will remain on reports for years, even if you're beyond a window where those issues could impact loan... (more)

Chris Birk answered a question
Answered 2 years ago
How do I restore my VA loan eligibility?
Anonymous User Asked:
I used by VA home loan eligibility on a home purchase back in the 80’s. I paid as agreed and the house was paid off years ago. I want to purchase another home utilizing my VA eligibility again and wanted to know how to do this.
Chris Birk Answered:
A VA lender can help walk you through this. Getting entitlement restored is a pretty simple process involving just a little bit of paperwork. If the original loan was paid in full, you should have access to your full VA loan entitlement.

Chris Birk answered a question
Answered 2 years ago
Can a surviving spouse of a military veteran apply for a VA loan?
Anonymous User Asked:
My husband died from a service connected disability and I'm currently looking to purchase a home. I want to know if I am eligible to use his VA home loan benefits.
Chris Birk Answered:
As a surviving spouse, you would also be exempt from paying the VA Funding Fee, a cost that goes directly to the VA to help keep this loan program running. As Eric mentioned, a VA lender would be able to walk you through this process. Getting the... (more)

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