Not necessarily, many local banks and credit unions are not approved lenders and therefore may try to discourage you from using your Veteran benefits. Additionally, there are many lenders that specialize in VA Mortgages and they may be able to provide you better service or interest rates. Finally, the Department of Veterans Affairs approved appraiser will be a local appraiser who knows the market so there shouldn’t be issues with the appraised value of the property being too high or too low.