Alex Lange
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.
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.
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.
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.
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 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.
How Long Does a VA Loan Take to Close?
Posted on: November 5, 2026
Plan on about 30 to 45 days from application to closing on a VA loan. Here is what sets each stage, including VA appraisal time by county.
National Guard VA Loan Eligibility
Posted on: November 5, 2026
National Guard and Reserve members can qualify for a VA loan through federal active duty, full-time Title 32 duty (Guard only) or six creditable years. Here are the exact tests, the documents for a Certificate of Eligibility and how lenders count drill pay.
Can You Buy a Boat With a VA Loan?
Posted on: November 5, 2026
A VA purchase loan can’t finance a boat, houseboat or RV. Here is how a VA cash-out refinance can raise boat money, what it costs and what it puts at risk.
VA Loan Self Employed: Requirements and Documents
Posted on: November 5, 2026
Self-employed veterans use the same VA loan as any other borrower, with more income paperwork. See what lenders ask for, how they figure net income, and what happens with less than 2 years in business.