The Mortgage Files

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

Veteran couple discussing home appraisal with real estate agent

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…

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