VA Home Loan Centers’ Homeowners Action Services (HAS)

Program Helps Disabled Veterans Find Grants To Cover Costs

San Diego-based VA Home Loan Centers (VA-HLC) is one of the highest-volume VA sponsored loan-arrangement centers in the U.S., and as such, shepherds more disabled veterans and active-duty service members through the homebuying or refinancing process than most other home loan originators. One result of VA-HLC’s familiarity with disabled veterans and their special needs is the organization’s effectiveness in identifying those needs and finding grants and other resources that can cover the costs of equipping and adapting houses for safe and comfortable living by veterans with mobility and other challenges.

According to Phil Georgiades, chief loan steward at VA Home Loan Centers (VA-HLC), for a lot of veterans returning home from Afghanistan or Iraq, buying their first home and accessing their VA home loan guarantee feels like an overwhelming proposition – one made especially challenging when the returning servicemember or veteran has sustained a disability in battle.

“These are brave men and women who’ve stared down an n IED-laden road and traversed other dangerous paths fearlessly,” says Georgiades. “It may be hard to fathom, but jumping through the hoops of banks and bureaucracies can be intimidating – even more for those who’ve lost the use of a limb or whose eyesight has been compromised because an improvised explosive device exploded beneath their vehicle or as a result of some other battlefield event.”

Georgiades points to VA-HLC’s full-service, concierge-style Homebuyers Action Services (HAS) program, which it offers free to all active-duty servicemembers and veterans who apply for a VA home loan through the organization.

“We’re not just packaging a loan,” he said. “We’re doing right by our American soldiers, airmen, airwomen, sailors and corpsmen, because it is what they deserve. We work to find out what kinds of things are in the backs of our veterans’ minds as we shepherd them through the borrowing process. We’re talking about basic things, like ‘what if the house we want is two stories and we’ll need a stairlift that can transport me and my wheelchair upstairs.’”

In the case of a lift, for instance, Georgiades says that VA-HLC, through it’s HAS program, connects the borrower with organizations such as four-star rated nonprofit, Homes for our Troops, which can provide more than $60,000 for such additions to VA home loan borrowers.

“That’s just one example,” Georgiades said. “Some vets, unfortunately, come home paralyzed or with profound hearing loss. Each situation, each veteran, is unique. It’s our job to reach into our deep war chest of resources and match each borrower with the right lender, and as importantly, whatever plan, program, grant or service that will honor his or her service with a safe, secure and comfortable home that accommodates their physical needs and allows them to live the dignified life they deserve.”

For more information about VA home loans; or eligibility requirements and loan limits, as well as how VA-HLC helps veterans with VA loans, refinancing and foreclosure avoidance, call 888-573-4496 or visit

About VA-HLC / VA Home Loan Centers

VA Home Loan Centers is a qualified lender of mortgage loans to United States Veterans. The VA loan program helps veterans, active and former duty military, and certain spouses of wounded, MIA or KIA United States service personnel achieve the American dream homeownership. Services provided by VA Home Loan Centers include real estate representation such as VA loan short sale processing, purchase assistance and VA loan application processing.

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