Most VA offer rejections trace back to a listing side working off outdated assumptions, with nobody on the buyer's team correcting them. Old ideas about VA timelines, appraisals, and loan limits still cost veterans accepted offers. Arm your friend's agent and lender with two facts: - No loan limit with full entitlement. Since the Blue Water Navy Vietnam Veterans Act took effect in 2020, VA applies no loan limit for a buyer with full entitlement. VA guarantees the lender 25% of the loan amount with no down payment required, and most lenders will lend well into the millions. County loan limits still apply only to veterans with partial entitlement, such as someone with an existing VA loan or a prior default. A listing agent claiming the veteran will owe a gap above some county limit is usually just misinformed. - The appraisal has guardrails. Under VA's Tidewater process, an appraiser who expects the value to come in below the contract price must notify the lender's designated point of contact before finalizing the appraisal, and allow two business days for additional comps and market data to be submitted. That notice runs through the lender, who relays it to the agents. If the value still comes in short after the Notice of Value is issued, the veteran can request a Reconsideration of Value in writing through the VA. When offers keep getting passed over, the fix is a lender and agent who present the file confidently and explain exactly why a VA buyer is a safe bet. Confirm current VA entitlement and appraisal rules, since program details change.