{"id":4048,"date":"2025-09-16T09:08:12","date_gmt":"2025-09-16T14:08:12","guid":{"rendered":"https:\/\/blog.veteransloans.com\/?p=4048"},"modified":"2025-12-15T10:40:38","modified_gmt":"2025-12-15T16:40:38","slug":"anticipated-rate-drops-how-to-navigate-your-va-home-loan-with-a-critical-eye","status":"publish","type":"post","link":"https:\/\/www.veteransloans.com\/resources\/anticipated-rate-drops-how-to-navigate-your-va-home-loan-with-a-critical-eye\/","title":{"rendered":"Anticipated Rate Drops &#8211; How to Navigate Your VA Home Loan with a Critical Eye"},"content":{"rendered":"[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;http:\/\/173.255.228.252\/resources\/wp-content\/uploads\/2025\/08\/Blog-Cover-Employment-Requirements-for-Mortgage-Loan-Approval-22.png&#8221; min_height=&#8221;350px&#8221; height=&#8221;100%&#8221; custom_margin=&#8221;0px|0px|0px|0px|false|false&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_post_title _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;Poppins|700||on|||||&#8221; title_text_align=&#8221;center&#8221; title_font_size=&#8221;36px&#8221; meta_font=&#8221;Poppins|||on|||||&#8221; meta_text_align=&#8221;center&#8221; meta_font_size=&#8221;20px&#8221; background_color=&#8221;#FFFFFF&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;350px&#8221; height=&#8221;100%&#8221; custom_padding=&#8221;100px||100px|15px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]\n<p><span style=\"font-weight: 400;\">For years, the housing market has been a whirlwind of high prices and rising interest rates, creating challenges for many prospective homebuyers. But with many economists anticipating that interest rates may begin to drop in the near future, a new wave of optimism is sweeping the market. This potential shift presents a golden opportunity for active-duty service members, Veterans, and eligible surviving spouses to leverage their VA home loan benefits to their fullest potential.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At VeteransLoans.com, we&#8217;re dedicated to helping our military community navigate the home-buying process with confidence. As the market landscape potentially changes, it\u2019s crucial to be a savvy consumer. While the allure of a <a href=\"https:\/\/www.veteransloans.com\/va-mortgage-loan-rates\">lower rate<\/a> is powerful, it&#8217;s not the only factor you should consider. In this post, we\u2019ll dive into the critical details you need to be aware of to ensure you secure the best VA loan possible without falling prey to hidden fees or misleading offers.<\/span><\/p>\n<h2><b>The Excitement of Anticipated Rate Drops<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The prospect of lower interest rates is great news for homebuyers. A lower rate translates directly to a lower monthly mortgage payment and less interest paid over the life of the loan. This can increase your buying power and make homeownership more affordable.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, a <a href=\"https:\/\/www.veteransloans.com\/resources\/buy-now-or-wait-a-look-at-trying-to-time-the-market-and-financial-readiness\/\">competitive market<\/a> is also a crowded market. When rates drop, buyer demand often increases, which can lead to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>More Competition:<\/b><span style=\"font-weight: 400;\"> Bidding wars and multiple offers on desirable properties become more common.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Faster Decisions:<\/b><span style=\"font-weight: 400;\"> You may feel pressured to act quickly, leaving less time for careful consideration.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Aggressive Marketing:<\/b><span style=\"font-weight: 400;\"> Lenders will compete for your business, and their advertisements may not always tell the whole story.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This is why it is essential to be prepared and understand all the factors that make up a loan offer, not just the advertised rate. The true cost of your VA loan is found in the details, not the headline.<\/span><\/p>\n<h2><b>Beyond the Rate: Your VA Loan Estimate Is Your Guide<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The most important document you will receive when shopping for a loan is the <\/span><b>Loan Estimate<\/b><span style=\"font-weight: 400;\">. This three-page form, which lenders are required to provide within three business days of receiving your application, is your roadmap to understanding the true cost of the loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Think of it as a detailed breakdown of all the moving parts of your mortgage. To a novice, it might seem intimidating, but learning how to read it is your best defense against unexpected costs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s what you need to focus on when comparing Loan Estimates from different lenders:<\/span><\/p>\n<h3><b>1. The Fine Print: Advertised Rate vs. Your Actual Rate<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Lenders often advertise the lowest possible interest rate to attract buyers. However, this rate typically comes with specific conditions, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>A High Credit Score:<\/b><span style=\"font-weight: 400;\"> The advertised rate may be available only to borrowers with a top-tier credit score (e.g., 740 or higher). If your score is lower, your rate will likely be higher.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Paying for &#8220;Discount Points&#8221;:<\/b><span style=\"font-weight: 400;\"> The low rate may be a &#8220;buy-down&#8221; rate, meaning you have to pay a significant amount of money upfront in exchange for a lower rate.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Always look for the specific interest rate on <\/span><b>Page 1, Section 1<\/b><span style=\"font-weight: 400;\"> of your Loan Estimate. This is the rate you are actually being offered, not the one being advertised. If it&#8217;s different from the advertised rate, ask your loan officer to explain why.<\/span><\/p>\n<h3><b>2. The Cost of &#8220;Buying Down&#8221; Your Rate: Discount Points<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Discount points are a critical component to understand, especially when comparing offers.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>What are they?<\/b><span style=\"font-weight: 400;\"> A discount point is a fee you can pay at closing to &#8220;buy down&#8221; your interest rate. One point costs 1% of your total loan amount. For a $300,000 loan, one point would cost you $3,000.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>How to evaluate them:<\/b><span style=\"font-weight: 400;\"> A lender might offer you a loan with a low interest rate but require you to pay 2 discount points ($6,000 on a $300,000 loan). Another lender might offer a slightly higher rate but with zero discount points.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>The Break-Even Point:<\/b><span style=\"font-weight: 400;\"> To determine which option is better, you need to calculate the &#8220;break-even point.&#8221; This is the number of months it will take for the monthly savings from the lower interest rate to equal the upfront cost of the points.<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Example:<\/b><span style=\"font-weight: 400;\"> If paying 2 points saves you $50 per month, it would take you 120 months (10 years) to break even ($6,000 \/ $50 = 120).<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Your Long-Term Plan:<\/b><span style=\"font-weight: 400;\"> If you plan to stay in the home for more than 10 years, paying the points might be a good financial decision. If you anticipate moving or refinancing sooner, paying points may not be worth the cost.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">On your Loan Estimate, discount points are listed on <\/span><b>Page 2, Section A<\/b><span style=\"font-weight: 400;\"> under &#8220;Origination Charges.&#8221; Be sure to compare these numbers across different offers.<\/span><\/p>\n<h3><b>3. All the Other Fees: Closing Costs<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Closing costs<\/span><span style=\"font-weight: 400;\"> are the fees and expenses you pay to close your VA loan. For VA loans, closing costs typically range from 2% to 6% of the loan amount, but some can be rolled into the loan itself.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The VA is a powerful advocate for you, capping<a href=\"https:\/\/www.veteransloans.com\/resources\/understanding-mortgage-fees-what-you-can-cant-shop-for-when-buying-a-home\/\"> certain fees<\/a> and prohibiting others altogether. This is one of the many benefits of using a VA loan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s a checklist of key closing costs to look for on your Loan Estimate (<\/span><b>Page 2<\/b><span style=\"font-weight: 400;\">):<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>VA Funding Fee:<\/b><span style=\"font-weight: 400;\"> This is a mandatory, one-time fee that helps sustain the VA loan program. It&#8217;s a percentage of your loan amount and varies based on factors like your service history and whether you\u2019re a first-time user. However, Veterans receiving VA disability compensation are exempt from this fee.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Appraisal Fee:<\/b><span style=\"font-weight: 400;\"> This pays for the VA-assigned appraiser to evaluate the home&#8217;s value and ensure it meets the VA&#8217;s Minimum Property Requirements (MPRs).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Title &amp; Escrow Fees:<\/b><span style=\"font-weight: 400;\"> These costs cover the title search, title insurance, and the administrative work of the escrow company to facilitate the closing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Credit Report Fee:<\/b><span style=\"font-weight: 400;\"> The cost for the lender to pull your credit report.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Origination Charges:<\/b><span style=\"font-weight: 400;\"> This is the lender\u2019s fee for processing and underwriting your loan.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prepaid Items:<\/b><span style=\"font-weight: 400;\"> This includes a few months of homeowners insurance premiums, property taxes, and a few days of interest on the loan.<\/span><\/li>\n<\/ul>\n<p><b>Tip:<\/b><span style=\"font-weight: 400;\"> In a competitive market, a motivated seller may be willing to pay some of your closing costs, which can significantly reduce your upfront expenses. The VA allows for seller concessions up to 4% of the loan amount (in addition to standard fees).<\/span><\/p>\n<h3><b>4. The Bottom Line: Total Cash to Close<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">This is the most important number on your Loan Estimate. Located on <\/span><b>Page 3, Section I<\/b><span style=\"font-weight: 400;\">, &#8220;Total Cash to Close&#8221; tells you exactly how much money you need to bring to the closing table.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This number includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your total closing costs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any down payment you may be making<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The VA funding fee (if not rolled into the loan)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your prepaid expenses (insurance, taxes, etc.)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minus any credits from the lender or seller<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Comparing the &#8220;Total Cash to Close&#8221; is the best way to get a clear, apples-to-apples comparison of different loan offers. A loan with a lower interest rate but higher closing costs might not be the best deal if it costs you significantly more upfront.<\/span><\/p>\n<h2><b>It\u2019s Not All About the Rate: The Other Factors That Matter<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">While a low interest rate is an excellent goal, it\u2019s crucial to remember that it\u2019s just one piece of the puzzle. Choosing a VA loan and lender is a holistic decision that should be based on a combination of factors:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lender Expertise:<\/b><span style=\"font-weight: 400;\"> VA loans have unique rules and processes. Working with a lender that specializes in VA loans, like VeteransLoans.com, can make the difference between a smooth closing and a frustrating one. A knowledgeable VA loan officer can help you navigate common hurdles, such as securing your Certificate of Eligibility (COE) and understanding the appraisal process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Customer Service and Communication:<\/b><span style=\"font-weight: 400;\"> The mortgage process is a partnership. Choose a lender and a loan officer who are responsive, transparent, and take the time to answer your questions thoroughly. They should be your trusted guide from pre-qualification to closing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lender Reputation:<\/b><span style=\"font-weight: 400;\"> Look for a lender with a strong reputation and positive reviews from other Veterans. This can provide insight into their level of service and how they treat their customers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pre-Qualification:<\/b><span style=\"font-weight: 400;\"> The first step in any home buying journey is to get a pre-qualification letter. It will give you a clear understanding of your buying power based on your credit, income, and debt-to-income (DTI) ratio. A pre-qualification is also essential for making a serious offer in a competitive market.<\/span><\/li>\n<\/ul>\n<h2><b>How to Get the Best VA Loan When Rates Are Dropping<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">As interest rates are anticipated to fall, here\u2019s a winning strategy for VA loan borrowers:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Get Your Finances in Order Now:<\/b><span style=\"font-weight: 400;\"> Before you even start shopping, check your credit report for any errors and work to improve your credit score. A higher score will always give you access to better rates and loan terms.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Get Pre-Qualified with a VA Specialist:<\/b><span style=\"font-weight: 400;\"> A pre-qualification is non-committal but essential. It will give you an official estimate of how much you can afford, and our specialists can help you obtain your <\/span><a href=\"https:\/\/www.veteransloans.com\/resources\/your-golden-ticket-the-va-certificate-of-eligibility-coe-and-how-to-get-one\/\"><span style=\"font-weight: 400;\">Certificate of Eligibility (COE)<\/span><\/a><span style=\"font-weight: 400;\"> if you don\u2019t have it yet.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Shop Around and Compare:<\/b><span style=\"font-weight: 400;\"> Don\u2019t settle for the first offer you receive. Contact at least 2-3 VA lenders and get a formal Loan Estimate from each.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compare the Loan Estimates Side-by-Side:<\/b><span style=\"font-weight: 400;\"> Pay close attention to the interest rate, the number of discount points, and the &#8220;Total Cash to Close.&#8221; Don&#8217;t be afraid to ask for explanations and negotiate.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Look Beyond the Rate:<\/b><span style=\"font-weight: 400;\"> Consider the lender&#8217;s expertise and the quality of the loan officer. The person you work with can make a huge difference in the overall experience.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Secure Your Rate Lock:<\/b><span style=\"font-weight: 400;\"> When you find a rate and terms you\u2019re happy with, ask your lender about locking in your rate. This protects you from potential rate increases before your loan closes.<\/span><\/li>\n<\/ol>\n<h2><b>Ready to Explore Your VA Loan Options?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The VA home loan is one of the most powerful benefits you&#8217;ve earned through your service. As the market shifts, being prepared and knowing what to look for can help you maximize that benefit and secure your dream home on the best possible terms.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At VeteransLoans.com, we specialize in helping our nation&#8217;s heroes navigate the VA loan process with transparency and expertise. We are committed to providing you with clear, honest information so you can make an informed decision.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Don&#8217;t wait for rates to drop before you start your research. Get ahead of the curve and get pre-qualified today!<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Get Pre-Qualified Online:<\/b><span style=\"font-weight: 400;\"> Visit our secure pre-qualification page at<\/span><a href=\"https:\/\/www.veteransloans.com\/va-loan-prequalification\"> <span style=\"font-weight: 400;\">veteransloans.com\/prequalify<\/span><\/a><span style=\"font-weight: 400;\"> to begin your journey to homeownership.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Speak with a VA Loan Specialist:<\/b><span style=\"font-weight: 400;\"> For a detailed, no-pressure conversation about your specific situation and to have all your questions answered, call us at 1 (888) 232-1428.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">We&#8217;re here to help you get the best VA loan for you, no matter what the market is doing.<\/span><\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>For years, the housing market has been a whirlwind of high prices and rising interest rates, creating challenges for many prospective homebuyers. But with many economists anticipating that interest rates may begin to drop in the near future, a new wave of optimism is sweeping the market. This potential shift presents a golden opportunity for [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":4053,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[31,10,38],"tags":[],"class_list":["post-4048","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education","category-financial","category-va-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Anticipated Rate Drops - How to Navigate Your VA Home Loan with a Critical Eye - VeteransLoans.com Articles<\/title>\n<meta name=\"description\" content=\"As VA loan rates are anticipated to drop, learn how to compare offers, spot hidden fees, and choose the best loan for you with these expert tips.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.veteransloans.com\/resources\/anticipated-rate-drops-how-to-navigate-your-va-home-loan-with-a-critical-eye\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Anticipated Rate Drops - How to Navigate Your VA Home Loan with a Critical Eye - VeteransLoans.com Articles\" \/>\n<meta property=\"og:description\" content=\"As VA loan rates are anticipated to drop, learn how to compare offers, spot hidden fees, and choose the best loan for you with these expert tips.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.veteransloans.com\/resources\/anticipated-rate-drops-how-to-navigate-your-va-home-loan-with-a-critical-eye\/\" \/>\n<meta property=\"og:site_name\" content=\"VeteransLoans.com Articles\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-16T14:08:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-15T16:40:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.veteransloans.com\/resources\/wp-content\/uploads\/2025\/08\/Blog-Cover-Employment-Requirements-for-Mortgage-Loan-Approval-22-1024x576.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"VLC Staff\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"VLC Staff\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.veteransloans.com\\\/resources\\\/anticipated-rate-drops-how-to-navigate-your-va-home-loan-with-a-critical-eye\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.veteransloans.com\\\/resources\\\/anticipated-rate-drops-how-to-navigate-your-va-home-loan-with-a-critical-eye\\\/\"},\"author\":{\"name\":\"VLC Staff\",\"@id\":\"https:\\\/\\\/www.veteransloans.com\\\/resources\\\/#\\\/schema\\\/person\\\/0f77d8013bb02791e5b28f0860381f99\"},\"headline\":\"Anticipated Rate Drops &#8211; 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