When a VA Loan Stalls: Questions & Next Steps

Mortgage guidance from Sasha WindesNMLS #331035 · CA DRE #01454354Published October 25, 2026 · Sources checked October 25, 2026

Start with the actual issue

Tell Sasha what you were told, what stage the loan is in, and which deadlines matter. Ask the current lender for the specific condition or reason in writing. A delay, an underwriting condition and a final denial are different situations.

Separate the rule from the lender’s approach

Ask whether a condition comes from VA requirements, the individual lender’s standards, the property or the documentation. Lenders can apply requirements beyond VA’s baseline. A second look does not guarantee a different result, but it can help you understand the issue.

Look at the costs of making a change

Changing lenders can affect timing, rate-lock terms, credit review, appraisal handling and costs already paid. Before moving a file, discuss those tradeoffs with Sasha, your agent and the relevant parties.

Build a clear next-step list

Identify the open question, the document or decision needed, who is responsible and the next deadline. Ask Sasha to explain the options in plain language so you can decide how to proceed.