The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Understanding the VA Tidewater Initiative for Homebuyers and Refinancers

By Scott Sheldon / July 3, 2025

The VA Tidewater Initiative is a unique safeguard within the VA loan appraisal process, designed to protect veterans and active-duty service members from overpaying for a home. Whether you’re purchasing or refinancing, understanding how this process works can be crucial in navigating potential appraisal challenges. What Is the VA Tidewater Initiative? The Tidewater Initiative is…