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Bedford Twp. Veterans Center Homebuying Program

Mortgage Information

headshot photograph of Vince Lyons in a light blue dress shirt and charcoal blazer in front of a light gray background

Vince Lyons

Branch Partner/ Mortgage Originator
NMLS #541266
Cell: 419-346-4747
Office: 419-517-8818
Email: vince.lyons@benchmark.us
3230 Central Park West #200A
Toledo , OH 43617

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Hi, my name is Vince! I have over 25 years of experience as a Mortgage originator in Northwest Ohio and Michigan, and I am committed to making your home buying process as smooth and painless as possible.

Below, are a few resources to help you on your home buying journey, including an overview of the loan process, answers to Frequently Asked Questions, and a helpful loan application checklist. It is my honor to serve Northwest Ohio and Michigan, and I look forward to helping to meet your goals!

The Loan Process


Complete the loan application.

Collect all pre-approval checklist items.

We order your credit report and find any missing documents.

Qualified borrowers will be pre-approved.


Find the home of your dreams.

The Realtor presents an offer on your behalf.

If your offer is accepted, a closing date is set.

We meet with you to determine your home loan based on financial goals and needs.

We order the appraisal, title report, and other necessary documents, and submit them to an underwriter for approval.

Final approval is issued! Any conditions are collected and satisfied, for qualified borrowers.

Loan clear to close! Closing documents are sent to escrow and we send you a copy of the final statement for review.

You are a Homeowner!

Benchmark Never Quits

VA Loan Frequently Asked Questions (F.A.Q.’s)

What is the maximum VA Limit on a home purchase with -0- down?

It can vary by State and County. However, for most of Northwest OHIO and Southern MI the limit for 2019 is $484,350

How do I obtain my certificate of eligibility?

There are 3 ways:

  • A VA approved Lender, such as Benchmark can order and obtain.
  • Apply through the VA portal.
  • Apply via mail using form 26-1880.

Check your VA loan eligibility here.
Get your C.O.E.

Does a previous foreclosure on a home loan through VA automatically disqualify me for a new loan through VA?

No, there may be limitations or parameters on a subsequent use.  An approved VA lender can assist with determining your eligibility with assistance of the VA.

Is there a minimum credit score required to obtain a VA home loan?

NO! However, many investors who service VA loans set their own limits which typically are either 580 or 620.  In any case, it is worth having your credit reviewed to look for any improvements which will help you get the best value in a home loan.  On any home loan, the pricing is affected by your credit score. Therefore, making any improvement to that score is beneficial to your overall financial picture as well as the immediate terms of your home loan.

Loan Application Checklist

To download a copy of the Loan Application Checklist, click the link below.

  Download the Checklist

Bedford Veterans flag logo

The Bedford Twp. Veterans Committee is a local 501(c)3 non-profit community outreach organization of neighbors coming together to serve the needs of our Military Veterans (active, retired, reserve, and guard), and their families residing in Bedford Township, Michigan.


Tim FitzGerald Director

734-224-7032 phone
419-480-9912 cell


Michael Trout

734-224-7032 phone
734-363-5724 cell