About Veterans Mortgage Solutions
Serving veterans, first responders, and military families with clarity, speed, and hope. We guide you to homeownership—without confusion, pressure, or hidden surprises.
Our mission
At Veterans Mortgage Solutions (VMS), our mission is simple: deliver the power of hope through clear guidance, honest options, and a proven path to homeownership for veterans, active-duty service members, and their families. We combine VA-loan expertise with straight‑talk education, modern tools, and real people who care.
Our story
VMS was founded by Robert Krowel, a U.S. Navy veteran who believes every service member deserves a fair shot at homeownership—and support beyond the application. After seeing too many veterans overwhelmed by jargon, delays, and dead ends, Robert built VMS to be different: practical, transparent, fast, and relentlessly focused on you.
From one veteran helping another, VMS has grown into a mission‑driven team partnering with realtors, lenders, and community groups to make the VA benefit real: a safe, affordable home and a fresh start for your family.
What we do (in plain English)
VA Purchase & Refinance
Zero‑down options, IRRRL (streamline) refis, and cash‑out guidance tailored to your goals.
Education First
Clear checklists, calculators, and step‑by‑step timelines before you apply—no surprises.
Credit & Readiness
Practical, judgment‑free strategies that improve approval odds and speed up closing.
Realtor & Lender Partners
We coordinate your team so you don’t have to—aligned and accountable.
Veterans Resources
Connections to VA benefits, counseling, and community programs when life gets heavy.
Promise: No pressure. No gimmicks. We’ll tell you where you stand, what’s possible, and what to do next.
Our values
By the numbers
Meet the founder
Robert Krowel, Founder (U.S. Navy Veteran)
Robert brings a boots‑on‑deck mindset to lending: practical, calm under pressure, and committed to results. His leadership keeps VMS focused on the mission—homeownership with dignity—and the people behind every file.
Community commitment
We stand with veterans facing PTSD, addiction, and suicide risk. Our resource partners provide immediate connections to counseling, crisis lines, and VA programs. If you or someone you love needs help, tell us—we’ll connect you the same day.
How we help (your path)
FAQs
Do I need perfect credit for a VA loan?
No. VA guidelines are flexible. We’ll show you where you stand today and the fastest path to approval.
What’s the VA IRRRL (streamline) refinance?
It’s a simplified rate‑reduction refinance for existing VA loans. Often no appraisal and less paperwork.
Can I buy with $0 down?
Yes, many VA loans allow zero down payment for eligible borrowers, subject to income, property, and lender guidelines.
I’m 100% disabled. Do I pay the VA funding fee?
Most veterans with qualifying disability ratings are exempt from the VA funding fee. We’ll verify your status and apply it correctly.
Can VMS work with my realtor?
Absolutely. We partner with your agent—or introduce a trusted VA‑savvy agent if you need one.