VA Loans

Short answer: It depends on the county. The VA requires a wood destroying insect inspection in states and counties considered moderate to heavy termite risk. In Colorado, 43 of 64 counties require one before closing. The seller typically pays for the inspection when required. VA Loan Termite Inspection Requirements Which counties require one, who pays, […]

VA Loan Occupancy Requirements What Every Veteran Should Know Before Closing Last Updated: May 15, 2026 13 min read VA loan occupancy requirements are one of the program’s most misunderstood rules. Get them wrong before closing and you could face serious consequences. This article is for veterans and service members buying a home with a

Statement of Service for VA Loans What Active-Duty Buyers Need for VA Loan Eligibility Last Updated: May 15, 2026 9 min read Still on active duty and planning to buy a home with your VA benefit? You don’t have a DD214 yet. That’s not a problem. But your lender does need a specific document before

VA Assumable Loan Real savings, real risks: what buyers and sellers need to know Last Updated: May 15, 2026 12 min read A VA assumable loan lets a buyer take over a seller’s existing mortgage, rate included. With rates near 6.4% in 2026, assuming a 3% loan can mean $400 to $700 less each month.

VA Loan Down Payment When zero down applies and when it doesn’t Last Updated: May 15, 2026 10 min read Most veterans can buy a home with no down payment using a VA loan. But that zero-down benefit doesn’t apply in every situation. Three specific triggers can require a down payment, and at least one

VA Loan vs Conventional Loan What the Real Cost Difference Looks Like for Veterans Last Updated: May 15, 2026 14 min read VA loans and conventional loans can both work for eligible veterans. The right choice depends on your credit, your down payment, and what you’re buying. This article is for veterans and service members

VA Loan Investment Property How veterans earn rental income while staying within VA rules Last Updated: May 15, 2026 10 min read A VA loan is not designed for investment properties. But veterans can still earn rental income legally through their VA benefit. This article is for veterans considering a multi-unit purchase. It’s also for

VA Loan Minimum Credit Score The VA sets no floor. Your lender does. Last Updated: May 15, 2026 11 min read The VA does not set a minimum credit score for its home loan program. But every lender that offers VA loans sets its own credit floor. This article is for veterans and service members

VA Loan Limits How entitlement status determines your 2026 buying power Last Updated: May 16, 2026 10 min read VA loan limits in 2026 work differently than most veterans expect. With full entitlement, there is no ceiling on how much you can borrow. Partial entitlement changes the math, and most veterans don’t see it coming.

Buying a Foreclosed Home With a VA Loan What VA buyers need to know before making an offer Last Updated: May 16, 2026 12 min read You can buy a foreclosed home with a VA loan. But not every foreclosure will qualify, and the type matters as much as the loan. This is for VA-eligible