Second quote consequences?

You didn't hurt anything by doing a second application. It is completely fine shopping around for a lender, but once you have a successful offer and the file goes to full underwriting, the time for shopping is long past. With that said, while a VA loan is a VA loan no matter where you go, and the underwriting guidelines are the same, you don't get a VA loan from the VA. You get it from the lender. Most lenders add the own rules on top of basic VA guidelines. The most common one is a credit score overlay. So if you have weak credit, it is completely possible lender B said no because of your credit score while lender A might say OK. Finally, I can not emphasize this enough. Everyone out there needs to do themselves a HUGE favor. DO NOT take mortgage financing advice from a Real Estate Agent! While they may be trying to be helpful, they are the wrong person. You don't get medical advice for your car mechanic, and don't take mortgage advice from agents. Talk to a local mortgage broker in your area. I lend for all loans, including VA loans in MN WI IA ND SD. I can be found at VAMortgageMN.com - Cambria Mortgage, NMLS 274132