Fayetteville’s
Mortgage Professor
Military families and civilian homebuyers deserve the same thing: the best possible rate and a broker who actually fights for them. VA loan specialists. No hidden fees.
Meet Aidan Sims —
Fayetteville’s VA Expert
Aidan Sims is Professor Lending’s Fayetteville-based Mortgage Professor, serving homebuyers and military families throughout the Cape Fear region. With access to 25+ nationwide and local lenders, Aidan shops the full market to find the best rate and program for your specific situation — whether you’re using your VA benefit for the first time or refinancing a home you’ve owned for years.
Aidan serves part-time as Student Director at his church and brings that same patience, clarity, and genuine care to every transaction. Straightforward advice. No runaround.
Your VA benefit is powerful.
Make sure you use it right.
Fayetteville is home to Fort Bragg, one of the largest military installations in the world. We’ve helped countless service members and veterans use their VA benefit to buy homes with zero down and no mortgage insurance. If you’ve earned it, we’ll make sure you get every bit of value from it.
No need to save for years before buying. The VA benefit removes the biggest barrier to homeownership for most military families.
VA loans have no MI — saving hundreds per month compared to FHA or conventional loans with less than 20% down.
VA loans consistently beat conventional rates for qualifying buyers. Lower rate + no MI = significantly lower monthly payment.
Your VA entitlement doesn’t expire and can be used more than once. You can even have two VA loans simultaneously in certain circumstances.
We move fast and work fully remotely so your timeline doesn’t suffer. Pre-approval, application, and closing — all handled before you arrive.
Already have a VA loan?
The IRRRL can lower your rate — fast.
The VA Interest Rate Reduction Refinance Loan (IRRRL) is a streamlined refinance with minimal paperwork, no appraisal in most cases, and no out-of-pocket cost. Aidan is an expert in VA IRRRLs and can walk you through your options in a single conversation.
PCS-ing to Fort Bragg?
We’ll have you ready to close.
PCS timelines are tight. Banks don’t understand that. We do. We’ve helped military families close on homes before they ever set foot in Fayetteville — fully remote, fully pre-approved, ready on arrival.
Aidan handles every step of the process — from checking your VA eligibility to coordinating with your real estate agent and title company — so you can focus on the move, not the mortgage.
Don’t wait until you arrive. The earlier you start, the stronger your position in a competitive market.
Start Before You Arrive →Aidan pulls your Certificate of Eligibility and confirms your full entitlement — including any remaining entitlement from prior VA loans.
Strong pre-approval letter in hand before you start the house hunt. Agents and sellers take pre-approved military buyers seriously.
Application, appraisal coordination, underwriting, and closing — all handled remotely. E-sign everything. Keys waiting when you arrive.
We coordinate closing around your arrival date. No scrambling, no delays. Your home is ready the day you need it.
Why a broker beats
a bank
A bank offers one set of products at their rates. As an independent broker, we shop 25+ wholesale lenders — finding the rate, program, and terms that actually fit your situation, not their quota.
For military families especially, that difference is significant. We don’t have banker hours. We’re available when you need us — evenings, weekends, PCS crunch time.
Get Started with Aidan →Common questions from
Cape Fear homebuyers
Generally, you’re eligible if you’ve served 90 consecutive days of active service during wartime, 181 days during peacetime, or 6 years in the National Guard or Reserves. Surviving spouses of service members who died in the line of duty may also qualify. Aidan can verify your eligibility quickly — just reach out and he’ll pull your Certificate of Eligibility same day.
Yes. Your VA entitlement is reusable. If you’ve used it before and paid off the loan, your full entitlement is typically restored. You can even have two VA loans simultaneously in certain circumstances. This is one of the most underutilized aspects of the benefit — ask Aidan about your specific situation.
The VA funding fee is a one-time charge (typically 1.25%–3.3% of the loan amount) that helps sustain the VA loan program. It can be rolled into your loan so you don’t pay it at closing. Importantly, veterans with a service-connected disability rating of 10% or more are exempt from the fee entirely.
Yes — and many military buyers do exactly this. We can work remotely through the entire process: application, pre-approval, and even closing. You can have a home ready when you arrive. We’re experienced with the unique timing pressures of PCS moves and won’t let the clock work against you.
Some do. Raeford and portions of Hoke County are worth checking. USDA eligibility is based on the specific property address, not the general area — and it can change. We can verify any address for free in a few minutes. USDA offers zero-down financing for qualifying buyers in eligible areas.
The VA Interest Rate Reduction Refinance Loan is a streamlined refinance designed to lower your existing VA loan rate with minimal paperwork. No new appraisal in most cases, no out-of-pocket cost, and a faster timeline than a standard refinance. Aidan is an expert in VA IRRRLs and can tell you within minutes whether it makes sense for your situation.
USAA and Navy Federal are direct lenders — they offer their own products at their own rates. As an independent broker, we shop 25+ lenders including wholesale VA lenders that often beat retail pricing. Research shows mortgage brokers save borrowers an average of $10,000+ over the life of a VA loan compared to retail banks. You deserve to see all your options, not just one.
You’ve earned the benefit.
Let’s make sure you use it.
Free quote. No credit pull to start. Pre-approval in 24 hours or less.