Contributing Author
Affordability pressures reshaping homebuying, making VA lending more relevant
No-downpayment financing and flexible credit standards are helping originators support purchase volume in a tighter market
Tim Stacey is the founder of Stacey Solutions, powered by Xpert Home Lending Inc. He is a California licensed mortgage broker specializing in VA home loans and serves clients throughout Northern California and across the state. Tim works primarily with veterans and active-duty service members, helping them use their VA benefits with clarity and confidence. He was recognized by the National Association of Mortgage Brokers as Mortgage Broker of the Year in 2024 and 2025 and was a finalist for Best Loan Officer in Solano County, as recognized by The Vacaville Reporter in 2025.
No-downpayment financing and flexible credit standards are helping originators support purchase volume in a tighter market
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