Second; I have found that some of the VA hospitals are outstanding, (especially Fresno), whereas others.....
If that is important to you, (it is to me), then I would suggest surveying the hospitals in those areas so that you know before-hand.
Third; you sound like you haven't talked to your local VA office about, well everything.
Fourth; I would recommend the Navy Federal Credit Union, (I don't own it): You don't have to have been in the Navy, (though I would think more of you, if you had). They serve all services.
Good luck and may God bless
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