Skip to Content
Mortgage Research Center, LLC: Not affiliated or endorsed by the Dept. of Veterans Affairs or any govt. agency. NMLS #1907. Not available in NY. Legal

VA Loan Articles for Homebuyers

Acceptable VA Loan Uses

View All »


View All »

Certificate of Eligibility

View All »

Closing Costs

View All »

Co-borrowers and VA Loans

View All »
  • Beautiful home with flower beds
    What Happens to a VA Loan if the Veteran Dies?

    There are a few different options you can take if you recently inherited a home that was purchased with a VA loan.

  • A young military family smiles at the camera.
    Guide to Joint VA Loans

    Joint VA loans look slightly different from a traditional VA purchase loan, because the VA guaranty will only cover the Veteran's portion of the loan.


View All »

Debt to Income Ratio

View All »


View All »

Loan Program Basics

View All »
  • Homeowner Gets Letter of Mortgage Sold
    Why Many Banks & Lenders Sell VA Mortgages After Closing

    Banks and lenders frequently sell mortgages after closing, but the terms of your mortgage and regular payments will not change with a new servicer.

  • american flag flying for veterans in rural area
    VA Loans vs USDA Loans

    Veteran homebuyers oftentimes choose to use the VA home loan benefit to purchase a home because of the zero down payment requirements. Some may not be aware of another option out there that’s available to non-veteran buyers that offer 100% financing as well.

  • Veteran sitting at a desk working on the computer
    5 Steps to Finding the Right VA Lender

    Before you can use your VA loan benefits, you'll need the help of a VA approved lender. Here are 5 steps to compare the nation's top VA lenders.

Manufactured Homes

View All »

Occupancy Requirements

View All »
  • woman commuting to work
    Is There A VA Loan Commuter Rule?

    In a sense, yes, there’s a commuter rule. But the VA does not explicitly describe distance requirements, leaving lenders to calculate commuter expenses on their own.

  • A dining room in a beach house with large windows
    Reusing Your VA Loan Benefits

    Eligible veterans and military homebuyers can use the VA home loan benefit to buy a second home. See some examples and learn how to restore entitlement.

Property Requirements

View All »
  • A house surrounded by flood water.
    Do VA Loans Require Flood Insurance?

    VA loans to individual borrowers are simpler than the requirements for VA loans to two or more borrowers. Read here about the different rules for borrowers.

  • An old red farmhouse
    Buying an Older Home with a VA Loan

    The VA does not specifically reference what age a home can be. There are other factors, however, that must be considered when buying an older home.

  • A tight shot of a person plugging a cord into a power strip
    VA Minimum Property Requirements for Electrical Systems

    If you're interested in buying a particular home with a VA-insured loan, that property must meet a set of minimum standards, called VA Minimum Property Requirements, or MPRs for short.

Reusing Your Benefits

View All »
  • Getting a VA Loan After Foreclosure

    If you've recently gone through a foreclosure, you may be wondering if you'll ever be able to purchase a home again. Fortunately, it's often possible to buy a home after a foreclosure if you've rebuilt your credit and met the waiting or seasoning period.

  • A tight shot of an American flag
    The VA Loan Funding Fee for Subsequent Use

    When you buy a home with a VA mortgage, there are associated fees and expenses including VA appraisal fees, and the VA loan funding fee. Generally, all Veterans using the VA Home Loan Guaranty benefit must pay a funding fee.

  • United States veteran smiles at the camera
    VA Loan Assumption - What Veterans Need to Know

    Do you know the circumstances where you are allowed to sell the home and have the seller assume the VA mortgage?


View All »

VA Appraisals

View All »

VA Construction Loans

View All »

VA Jumbo Loans

View All »

VA Loan Costs and Fees

View All »
  • couple looking at computer and papers
    Cost of Homeownership: What to Expect as a Homeowner

    There are several upfront and ongoing expenses that homebuyers should be aware of when determining the cost of homeownership.

  • boots, hat and an American flag
    VA Expands Funding Fee Waiver Rules

    The law now permits a waiver based on a pre-discharge review of existing medical evidence that results in issuance of a memorandum rating by VA.

  • Veteran happy about VA funding fee refund
    VA Loan Funding Fee Refunds

    Part of the cost of a VA guaranteed home loan is the payment of a VA loan funding fee. Some borrowers are exempt from the funding fee and some get it refunded.

VA Loan Eligibility

View All »

VA Loan Entitlement

View All »

VA Loan Qualification

View All »
  • Basic Allowance for Housing and VA Loans

    From a lender’s perspective, Basic Allowance for Housing is a stable and reliable income source. You can typically count BAH as income on your application.

  • home purchased by applying for va loan
    How to Apply for a VA Loan

    To apply for a VA loan, first look for a lender that specializes in this benefit program.

  • person looking at their low credit score
    How To Get a VA Loan With Bad Credit

    It's possible to get a VA loan with bad credit. There is technically no minimum credit score requirement, but it may take a little extra work to qualify.

VA Loan Rates

View All »

VA Occupancy Requirements

View All »

VA Property Requirements

View All »

VA Refinances

View All »