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VA Loan After Bankruptcy What veterans need to know about waiting periods and getting approved Last updated: March 2026  |  9 minute read Bankruptcy doesn’t end your chances of buying a home as a veteran. VA loans are among the most forgiving mortgage options available after financial hardship. Chapter 7 and Chapter 13 come with […]

Earnest Money on a VA Loan What sellers expect and how to protect your deposit Last updated: March 2026  |  8 minute read Using a VA loan and wondering about earnest money? The VA doesn’t require it, but that doesn’t mean you can skip it. Sellers in most markets expect a deposit to take your

Using a VA Loan to Buy a Condo Why the building must qualify, not just you Last updated: March 2, 2026  |  9 minute read You can use a VA loan to buy a condo. But the condo building must be on the VA’s approved list first. Most veteran buyers don’t know this until they’re

Joint VA Loan What Veterans Should Know Before Adding a Co-Borrower Last updated: March 2, 2026  |  9 minute read A joint VA loan lets a veteran buy a home with a co-borrower to increase buying power. But the no-down-payment benefit doesn’t always carry over to the co-borrower. This guide is for veterans, active-duty members,

Max DTI for VA Loans What the 41% Guideline Actually Means for Veterans Last updated: June 2026  |  9 minute read VA loans don’t have a hard DTI cap. Most borrowers think 41% is the ceiling. It isn’t. The real question is whether your residual income clears the VA’s threshold. This article explains how VA

VA Home Loan for Surviving Spouses No Down Payment, No PMI, No Funding Fee Last updated: March 2, 2026  |  7 minute read If your spouse served in the military, you may qualify for a VA home loan. That means $0 down, no private mortgage insurance, and often no funding fee. Most surviving spouses never

VA Loan Termite Inspection Requirements What buyers need to know before closing Last updated: March 2, 2026  |  9 minute read Using a VA loan to buy a home? A termite inspection may be required before you can close. It’s not required for every VA loan. Location determines whether you need one. Colorado added new

VA Loan Occupancy Requirements What to Know Before You Close Last updated: March 3, 2026  |  9 minute read VA loans come with one rule most buyers don’t think about until after closing. You must move into the home within 60 days. That’s the baseline. Deployment, PCS orders, and family situations can all change this.

Statement of Service for VA Loans What active-duty buyers need for VA eligibility Last updated: March 3, 2026  |  8 minute read Still on active duty and ready to buy a home with your VA benefit? You don’t have a DD214 yet. So lenders need something else. That document is called a Statement of Service.

VA Assumable Loan How buyers and sellers can use this rate advantage the right way Last updated: March 3, 2026  |  9 minute read A VA assumable loan lets a buyer take over a seller’s existing VA mortgage. That means inheriting the seller’s interest rate, balance, and loan terms. In a high-rate market, this can