(RECAP: On a day when Americans pause to honor servicemen and women, the Department of Veterans Affairs (VA) can point to a seemingly impressive statistic in that effort — 22 million veterans in the U.S., 21 million VA home loans. The VA loan is one of the reasons 79% of veterans own their own homes, compared with just 63% for the non-veteran population. But the statistics belie some numbers that don’t call for flag waving. Despite the increase, some industry insiders say too many veterans are steered away from VA loans and some vets don’t even know about the program.)