Like any ordinary shopping process, you have to know the key features of the product you're buying, a VA home loan is no different. Make sure your realtor is aware of all the aspects pertinent to a VA home loan. Save a lot of money on closing costs and fees, which are limited under VA refinance and VA home loan programs. Life style is now a whole different cup of tea to experience. Illness, unexpected expenses, and unemployment can affect your credit rating adversely as well.