We take pride in providing our Dallas Georgia Homes & Rockmart GA Homes Real Estate buyers and sellers with all the answers to common real estate questions. Our goal is to make all your real estate transactions go as smoothly as possible. VA loans A program that allows most veterans to purchase a house without a down payment. Variable interest rate A loan rate that moves up and down based on factors including changes in the rate paid on bank certificates of deposit or Treasury bills. Variable rate An interest rate that changes with fluctuations in such indexes as the U.S. Treasury bill index. Variable rate mortgage A loan with an interest rate that hinges on factors such as the rate paid on bank certificates and Treasury bills. Vaulted ceiling An elongated half-cylinder that arches above the floor. Verification of deposit Part of the loan process, in which a lender will ask a borrower’s bank to sign a statement verifying the borrower’s account balances and history. Verification of employment Part of the loan process, in which a lender asks the borrower’s employer for confirmation of the borrower’s position and salary. Vestibule A small entrance hall or room. Veterans Administration (VA) The U.S. Department of Veterans Affairs operates a variety of programs to help veterans. One of the key plans it oversees is the VA loan program, which allows most veterans to purchase a house without a down payment. Victorian style An architectural style that dates from the mid-19th century. Vinyl-clad windows Wood windows sheathed in vinyl on the outside. Voluntary lien A lien that a homeowner willingly gives to a lender.