In some cases, the VA may determine that Veterans are unable to manage their own hard-earned VA benefits because of health-related issues. When this happens, the VA will appoint a fiduciary to receive the disability compensation and help the Veteran best utilize it. Veterans in these situations may be able to move forward with a VA loan. But these files require formal approval from the VA in order to close. VA officials want to make sure the new loan is in the best interests of the Veteran. Review times can vary for these, but they can take up to a month or more in some cases.