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How Do VA Loans Work? – New Florida Mortgage RATE search: check today’s VA Rates. VA home loan infographic. How Does a VA Loan Work? A VA home loan is a mortgage that is guaranteed by the U.S. Department of Veterans Affairs; They are issued by private lenders that are approved by the VA, the VA does not offer loans, they just guarantee themArizona Real Estate Experiences A Significant Drop in Mortgage Delinquency Rates – Jeff Cameron Mortgage delinquency data reflected in the Mortgage Performance Trends tool shows that among other things: Rates of serious delinquency are at the lowest level since the financial crisis: According to the data, the national rate of seriously delinquent mortgages peaked at 4.9 percent in 2010.