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"V" A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | (Other) VA Loan: A long-term, low or no down payment loan guaranteed by the Department of Veterans Affairs. Restricted to individuals qualified by military service or other entitlements. Vacancy Factor: The percentage of gross rental income that represents vacant units Vacancy Factor: The percentage of gross rental income that represents vacant units Variable Interest Rate: Also referred to as "flexible interest rate." An interest rate that fluctuates as the prevailing rate moves up or down. Variable Rate Mortgage: See Adjustable Rate Mortgage. Verification of Deposit (VOD): A form that requests and secures verifications of amounts on deposit at financial institutions. Verification of Employment (VOE): A form that requests and secures documentation of a mortgage applicants work history. Veterans Administration (VA): An independent agency of the federal government created by the Service Men's Readjustment Act of 1944 to administer a variety of benefit programs designated to facilitate the adjustment of returning veterans to civilian life. A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | (Other) Equal Housing Lender. Casa Blanca Mortgage, Inc., DBA Shearsons Mortgage. Some products may not be available in all states. ©2005 Shearsons Mortgage. All rights reserved. About Us| Contact Us| Terms of Use| Privacy Policy| Careers| Licensing|