Skip to FAQs Home→VA Loans→VA Loan Fees VA Loan Fees·funding fee, origination cap, and closing...

Skip to FAQs Home→VA Loans→Surviving Spouse VA Loan Surviving Spouse VA Loan · COE eligibility and...

VA disability income can strengthen a mortgage file because it is stable, recurring, and usually...

Mortgage underwriters can count VA disability, SSDI, SSI, and Military retirement income for a...

In early 2026, most VA loan appraisals are completed within a few business weeks, but timelines...

APR vs rate · points + funding fee clarity APR vs Interest Rate on a VA Loan: Why Points Make APR...

VA payment stability · escrow + taxes + insurance What Changes Your VA Monthly Payment Besides the...

2026 VA rate planning · control what you can 2026 VA Loan Rate Forecast: What Borrowers Can...

Can You Use Gift Funds on a VA Loan? Gift funds can be used with a VA loan when the donor is not...

Yes, you can switch VA lenders during the holidays if you have not signed and funded your loan....

Buying a home with a VA loan in 2026 is mostly about readiness: confirming eligibility, proving...

A VA loan can offer $0 down, but you still need cash for closing costs, prepaids, and a buffer for...

Reducing cash at closing on a VA loan is usually a planning problem, not a surprise fee problem....

A VA loan can still be one of the simplest paths to homeownership in 2026, but it rewards...

January often gives budget-focused buyers a calmer market: fewer competing offers, more time to...

Holiday conversations can surface confident-sounding VA loan advice that is incomplete or flat...

Buying in the off-season can give Veterans more leverage because fewer competing offers often push...

Buying a home with a VA loan at the end of the year can save time or money, but only if you plan...

Home buying with a VA loan often depends on how lenders document and combine VA disability, BAH,...

Buying a home with a VA loan at the end of the year can save time or money, but only if you plan...

The 2026 conforming loan limit increase changes how much home many Veterans can buy with a VA...

VA policy now accepts a recorded, permanent easement or right of way as the sole proof of private...

VA appraisers confirm a home is safe, structurally sound, and sanitary before a VA loan funds....

Rising mortgage rates affect VA borrowers by increasing monthly payments, reducing buying power,...

VA loans cannot be recast under current program rules, so lenders won’t re-amortize your balance...

For VA and most mortgage underwriting, BAH usually counts as qualifying income, while Post-9/11 GI...

To make BAH cover your mortgage, your verified allowance must meet or exceed a realistic...

Choosing to buy or rent with your Basic Allowance for Housing hinges on tour length, local prices,...

“Gross-up” converts your non-taxable housing and subsistence allowances into a higher,...

POA for VA Loan Closing While Deployed (PCS Guide) A VA loan can close while you’re deployed if...

Yes—you can qualify with the BAH tied to your new duty station before you arrive. Lenders verify...

The essential split is location: TLE reimburses temporary lodging and meals for PCS moves that...

PCS VA Appraisal Timeline: What to Expect (and Speed Up) During a Permanent Change of Station...

Yes—during a Permanent Change of Station (PCS), a spouse can satisfy VA occupancy so the Veteran...

Most VA purchases during a PCS follow a similar timeline to standard loans, but PCS logistics...

Want to keep your current VA-financed home and rent it out—then buy your next primary place with...

Permanent Change of Station (PCS) orders can justify an exception to the VA loan’s 60-day...

Avoid VA Loan Scams: A Practical Guide for Veterans & Families VA loans are valuable, but scammers...

VA loans are built for a borrower’s primary residence—not vacation or pure investment properties....

Can You Buy a Fixer-Upper with a VA Loan? Yes. Veterans can buy homes that need work through two...

Best VA Loan Rates: What Actually Moves Your Offer To land a top VA rate, improve your profile,...

Worried that student loans will derail your VA home loan? Good news. VA underwriting gives credit...

No-closing-cost VA loans sound perfect—until you see how the numbers work. The truth is most...

Closing costs are real, but many can be shifted, reduced, or legitimately offset without risking...

Closing costs aren’t a single bill—they show up at different points as your VA loan moves from...

The VA funding fee is designed to sustain the VA loan program, but it often raises questions about...

The Certificate of Eligibility (COE) is a critical document for Veterans using VA home loans,...

The VA Certificate of Eligibility (COE) plays a vital role in the VA home loan process, but its...

Yes, dual Military couples can combine their Basic Allowance for Housing (BAH) when applying for a...

If you’re an active-duty service member, your Basic Allowance for Housing (BAH) is a lifeline for...

If you’re a service member, you’ve probably heard terms like “Military Housing Allowance” and...

Basic Allowance for Housing is non taxable Military income that many VA lenders count when...

If you’ve lost a loved one who served, you may wonder what happens to the VA mortgage on your...

Memorial Day isn’t just a holiday—it’s a solemn tribute to those who gave everything. For...

The VA loan benefit is a powerful tool for Veterans looking to buy or refinance a home, offering...

The VA loan benefit is a powerful tool for Veterans looking to buy or refinance a home, offering...

VA loans offer some of the most valuable benefits in home financing, including zero down payments...

When you apply for a VA home loan, the Loan Estimate becomes your most valuable roadmap. It’s a...

For Veterans, active-duty service members, and eligible spouses, the VA loan program offers...

Veterans buying a home with a VA loan face unique insurance considerations. While you won’t pay...

The journey to homeownership can feel especially complicated for surviving spouses of Veterans,...

As a Veteran, you enjoy exclusive benefits with a VA loan, such as no private mortgage insurance...

Changing jobs mid-VA loan process is a common concern for Veterans and active-duty service members...

Having your VA loan denied can feel like a major setback—especially after serving your country and...

If you’re a Veteran or active-duty Military service member, there’s exciting news on the horizon...

If you are a Veteran preparing to buy your first home in 2026, this comprehensive guide will walk...

Big changes are coming to the VA Home Loan Program in 2026—and staying informed can save you...

Many Veterans dream of owning a home after their years of service. If you’re new to the homebuying...

VA loans come with powerful benefits—$0 down, no PMI, and flexible credit requirements—but many...

If you’re a Veteran looking to keep your finances on track—whether to avoid credit card debt, save...

Are you a Veteran looking to make the most of your homebuying budget this year? Good news: By...

When buying a condo with a VA home loan, lenders may request a Declaration of Covenants,...

VA home loans are a lifeline for Veterans and active service members, offering a path to...

Homeownership comes with financial responsibilities that can sometimes become overwhelming,...

When it comes to securing a VA loan, Veterans, active-duty service members, and qualifying spouses...

For many Veterans, the thought of transitioning from renting to owning a home can feel like a...

If you’ve served in the U.S. military, you’ve probably heard of the DD Form 214, often referred to...

If you’re a Veteran or active-duty service member, you might already know about the incredible...

For Veterans and active-duty military personnel, VA loan refinancing can be an effective way to...