Alex Lange
VA Assumable Loan: Who Can Assume One and What It Costs
Posted on: November 5, 2026
A VA assumable loan lets a qualified buyer, veteran or not, take over a seller’s mortgage and its rate. See who qualifies, what it costs and how the steps work.
VA Loan Occupancy Requirements: How Long You Must Live There
Posted on: November 5, 2026
VA loan occupancy requirements center on what you certify at closing. Here is how the 60-day rule, its exceptions, PCS moves and refinances work.
VA Loan Calculator: How Much House Can You Afford?
Posted on: November 5, 2026
Estimate a VA loan payment with the funding fee, taxes, insurance and HOA dues. Then see how lenders use DTI, residual income and entitlement to decide how much you can borrow.
VA Loan Credit Score: Requirements and Lender Minimums
Posted on: November 5, 2026
VA sets no minimum credit score, so each lender sets its own. Here is what lenders typically ask for, how VA treats past credit problems, and what to do with a low score.
Do VA Loans Have PMI? What You Pay Instead
Posted on: November 5, 2026
VA loans have no private mortgage insurance and no monthly mortgage insurance, even with 0% down. Here is the one-time funding fee a borrower may pay instead, and who is exempt.
15 Year VA Loan vs 30 Year VA Loan: Which Fits Your Budget?
Posted on: November 5, 2026
Lenders offer a 15 year VA loan with the same eligibility, funding fee and no-down-payment option as a 30 year VA loan. Here is how the two terms compare on payment, total interest and qualifying.
VA IRRRL Closing Costs: Which Fees You Pay and Can Finance
Posted on: November 5, 2026
VA IRRRL closing costs combine a 0.5% funding fee, a lender charge capped at 1% and itemized third-party fees. Here is what a lender can charge, what you can finance and how a no closing cost offer works.
VA Loan for Surviving Spouses: Eligibility and How to Apply
Posted on: November 5, 2026
A surviving spouse may qualify for a VA loan with a Certificate of Eligibility, and the veteran’s used entitlement does not count against them. Here is who qualifies, how to apply, and what spouses of living veterans can do.
VA Loan PCS Orders: What to Do With Your Home
Posted on: November 5, 2026
VA loan PCS orders leave you several choices: keep and rent the home, sell it, allow an assumption or buy again with remaining entitlement. Here is how each path affects your entitlement, costs and insurance.
Buying a Foreclosure With a VA Loan
Posted on: November 5, 2026
A VA loan can buy a foreclosed home if the home passes a VA appraisal and meets Minimum Property Requirements. Here is which routes fit, what they cost and where to find listings.