Jason Wilbur

01/20/2026

VA loans typically do not require a down payment, which is one of the biggest benefits available to eligible service members and Veterans. However, some military families may explore other loan options or situations where a down payment is required, such as partial entitlement use or non VA loan programs.

Understanding when a down payment applies or not, helps you choose the loan option that fits your goals and your timeline.

Call or Text 866-854-6691 or send us a message to get started, or if you would like to know more about using your VA Home Loan Benefit and the great opportunities of having no down payment.

01/19/2026

For military families, the home search usually starts with one question: what am I eligible for? PCS timelines, BAH, duty stations, and VA loan benefits all shape the search before scrolling listings ever begins. Getting pre-approved before you start home shopping puts you in a stronger position to understand your budget and move quickly, so the homes you want and can afford do not slip through your fingers.

Call or Text 866-854-6691 or send us a message to get started!

01/19/2026

Today we honor Dr. Martin Luther King Jr. and the legacy he left behind. His message of leadership, service, and equality still matters, and today is a good reminder to pause, reflect, and think about how we can show up for one another and our communities.

01/01/2026

We’re starting the year with gratitude as we welcome a new chapter. New goals, new beginnings, and a continued focus on what we do best: helping, guiding, and supporting the military community.

We also want to take a moment to thank our team for an incredible 2025. Every day, this group shows up with purpose, working to assist, educate, and mentor those pursuing homeownership. Because of that dedication, countless families were able to buy their first home, purchase second homes, secure their forever homes, refinance to save hundreds each month, and even build the homes they once only imagined.

We truly appreciate the hustle, the commitment, and the camaraderie that defines Team VLG. We’re excited to carry this momentum forward and continue helping more military members and Veterans own a piece of the land they fought for.

From all of us here at VLG, wishing you a Happy New Year!

10/29/2025

First and foremost I believe that the majority of people want and try to do the right thing!

Having said that, I need to put this out there!

If you are a professional in a given industry I hope you take the time to check your moral compass and educate clients rather than focus simply on doing business and collecting a paycheck.

If you an individual and looking to make a financial decision please work with someone who explains the math of that decision. Make sure you understand it and get a second opinion if you feel unsure about it.

I got a call from a Veteran who was solicited to do a VA IRRRL by a big box lender. For anyone out there unfamiliar with the IRRRL it is a streamline refinance of a VA Home Loan. The cost to do it must be recovered within 3yrs by the monthly payment reduction.

This Veteran had been making bi-weekly payments, which is a great strategy, and reduced his principle by an extra $10k in less than 3 years.

This allowed the loan to qualify for the IRRRL reducing the rate by .5% because the payment reduction taking the loan back out to 30years offset the cost.

HOWEVER, the monthly payment reduction was only $140. But it was presented to him that they would be reducing his payments by $350.

This is because his current lender was collecting $210 more than they needed to in escrow.

I explained this to the Veteran and told him that he could call his current loan servicer and have them do an escrow analysis to reduce his current payment by $210 with no cost. I furthere explained that the cost of the refinance divided by the actual monthly savings would take 92 months to recoup.

Let me be clear that $140 could be a significant swing in some budgets. Every client I have has a unique financial picture and my first priority is to understand that so I can help them do what is best for them.

For this Veteran the $140 was not a game changer and thanked me for my time and honesty.

$0 spent by the Veteran for this information and I deposited some good Karma in my account.

08/07/2025

There are plenty of lenders that can do a loan, but if you want it done right the first time with great communication by a team of VA experts. You should give me a call.
850.543.2126

08/07/2025

**Just listed** – Coastal feel with inland living! 🌴☀️

Tucked away on a spacious corner lot in Green Island Hills, this recently renovated 3-bedroom, 2.5-bath home brings relaxed coastal charm to the heart of Columbus. With 2,212 square feet of open living space, soaring ceilings, and a flowing split floor plan, this home offers the perfect blend of comfort and style.

Enjoy private, secure entry from the 2-car garage, then step out back to your own tropical retreat—lush landscaping, a covered patio, and a crystal-clear pool set the stage for year-round relaxation.

Move-in ready and minutes from everything, this is inland living with a vacation vibe. 🏡💦 Don’t miss your chance to see it!

08/06/2025

08/06/2025

08/06/2025

COMING SOON | 19 E Shady Oaks Lane UNIT C, Santa Rosa Beach, FL 32459
3 Bedrooms | 3 Bathrooms | 1,551 SqFt.

Welcome to Water Oaks Community, where coastal living meets everyday convenience! This charming 3-bedroom, 3 bathroom townhome is perfectly located in the heart of Santa Rosa Beach—just minutes from South Walton's stunning beaches, the beautiful Choctawhatchee Bay, local shopping, restaurants, Sacred Heart Hospital, and everything that makes this area so special.

Step inside and you’ll find:
✔️ A welcoming covered front porch
✔️ A convenient one-car garage
✔️ Brand new carpet upstairs and easy-to-clean tile throughout the main living areas
✔️ Sleek stainless steel appliances
✔️ An open-concept floor plan that’s perfect for hosting friends or relaxing after a day at the beach

Whether you're a first-time buyer, investor, or looking for your perfect second home, this townhome has everything you need at the BEST price in the area. Don’t miss your chance to live near the coast without the coastal price tag.

📲 Message me today for more info before it hits the market!

07/08/2025

💥 NEW LISTING 💥
🔑 6249 Highway 4, Baker, FL 32531
💰 Listed at $799,900
🌐 For more information, please visit https://erachelsey.com/listing/FL/Baker/6249-Highway-4-32531/212555812