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 Loan Articles & Guides
Expert guides on VA loans, credit, and homebuying for Veterans and Military families.
Latest from VALN
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,…
VA Loans
VA Loan After Car Repossession: Waiting Periods and How Underwriters Treat a Repo
A car repossession can hurt a VA mortgage application, but it does not create an automatic VA disqualification…
Credit
VA Loan Credit Inquiries and Rate Shopping: How Multiple Pulls Affect Your Score
Shopping for a VA loan can generate multiple hard credit inquiries, but that does not mean every lender…
Credit
VA Loan Credit Letter of Explanation: What to Write, What to Skip
A VA loan letter of explanation (LOE) gives the underwriter the circumstances behind negative credit history, including late…
VA Loans
Are VA Loans Hard to Get? What Lenders Actually Check in 2026
VA loans are not especially hard to get once you meet the service requirements. In 2025, lenders denied…
VA Loans
VA Loan Assumption Release of Liability: What Sellers Need Before They Hand Over the Loan
Selling a home with a VA loan to a buyer who assumes it does not automatically free you…
VA Loans
VA Loans and State Taxes in 2026: How Texas, Florida, Virginia, and North Carolina Compare
Your VA loan works the same in every state, but state taxes do not. Texas and Florida charge…
News
VA Loan Rates Top 7% in October 2026: What Changed and What Veterans Can Do Now
VA loan rates crossed 7% in early October 2026. The 30-year fixed VA rate averaged 7.07% on October…
VA Loans
VA Loan Portability: How Your Benefit Works When You Move to Another State
Your VA Loan works in any state. The entitlement is federal, not geographic, and covers purchases across all…
Veteran Life
CHAMPVA Health Coverage 2026: Eligibility, Benefits, and How to Enroll
CHAMPVA is a cost-sharing healthcare program run by the VA for spouses, dependents, and survivors of Veterans rated…