VA Loans
Disabled Veteran VA Loan Closing Costs: 2026 Savings
Veterans with a 10% or higher disability rating are exempt from the VA funding fee, removing what amounts…
VA Loan Articles & Guides
Expert guides on VA loans, credit, and homebuying for Veterans and Military families.
Latest from VALN
VA Loans
VA IRRRL Closing Costs & Fees: 2026 Breakdown
A VA IRRRL limits closing costs by design, with the funding fee set at 0.5% and lender origination…
VA Loans
VA Loan Employment Requirements: 2-Year Work History
VA loan lenders require 2 years of stable and reliable income that will continue during the foreseeable future.…
VA Loans
Refinance Conventional to VA Loan: Rules & Costs (2026)
Veterans with a conventional mortgage can switch to a VA loan through a VA cash-out refinance, even without…
VA Loans
When to Refinance a VA Loan in 2026: Costs & Savings
Refinancing a VA loan makes sense when the rate drop covers your closing costs within a reasonable break-even…
VA Loans
VA IRRRL vs. Cash-Out Refinance: Which One Is Better for You?
The IRRRL and VA cash-out refinance solve different problems, and the funding fee gap makes choosing the wrong…
VA Loans
VA Loan Earnest Money: How Much You Need and When It’s Refundable
VA loans do not require earnest money, but sellers still expect a deposit even on a no-down-payment purchase.…
VA Loans
VA Loan Prequalification: How to Get Prequalified (2026)
VA loan prequalification takes minutes and gives Veterans a borrowing estimate based on self-reported income, credit, and Military…
VA Loans
How to Make a VA Loan Offer More Competitive (2026)
A VA loan offer wins or loses on how the buyer structures it, not on the loan program…
Credit
How to Unfreeze Your Credit for a VA Loan
A credit freeze can stop a VA lender from accessing the credit report needed for a mortgage application.…
VA Loans
Do Discharged Debts Count in VA Loan DTI? (2026)
A debt discharged in bankruptcy should not count toward a VA loan's debt-to-income ratio when the discharge eliminated…
Credit
Protect Your Credit During a VA Loan: Before Closing
To protect your credit score during the VA loan process, avoid new credit applications, large credit card balances,…