The Mortgage Files

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

VA Tidewater: What Every Veteran Homebuyer Should Know

By Scott Sheldon / July 2, 2026

If you’re using a VA loan to purchase a home, you may hear the term “VA Tidewater” during the appraisal process. While the name sounds unusual, the Tidewater process is actually a valuable protection designed to help veterans avoid appraisal surprises and provide an opportunity to support a home’s value before the appraisal is finalized.…

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…