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 »

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.
    What is a Joint VA Loan?

    The joint loan is permitted by the VA, but there are conditions. The VA guaranteed loan is only extended to the veteran and the other applicant is not backed by the VA loan.

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.

  • Find & Compare

    From the Nation's Top VA Lenders Today
    See Top 10 Lenders

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 senior veteran sits outside with his dog
    Occupancy Requirements and Military Retirement

    VA rules for occupancy require a veteran approved for a VA mortgage to move into the property within 60 days of closing the deal on the home. 

  • 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
    VA Home Loans: Does Age of the Home Matter?

    Does the VA have standards about how old a home can be and still get VA loan approval? The VA loan rule book does not specifically reference the age of a 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 »
  • 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?

  • A veteran and a woman talking
    Why Can't I Get My VA Loan Eligibility Restored?

    Some veterans who take advantage of their VA loan benefit don't think about using it again, but there are several circumstances where a borrower can get their VA home loan eligibility restored.

VA Appraisals

View All »
  • Gray shingles on the roof of a house
    VA Appraisals and the Condition of the Roof

    VA loan minimum property requirements (MPRs) include guidance about the condition of the roof in general terms. The MPRs for the roof can be found in VA Pamphlet 26-7, Chapter 12.

  • VA-certified appraiser appraising a veteran's home before his loan closes
    How Long is the VA Appraisal Good For?

    One of the most common questions we receive about the VA appraisal pertains to the expiration date and appraisal reuse.

  • Man inspecting home and taking photos
    Who Pays for the VA Appraisal?

    If you're new to the VA loan process, you'll learn you must pay both the initial appraisal and any required home inspection. 

VA Loan Costs and Fees

View All »

VA Loan Eligibility

View All »

VA Loan Entitlement

View All »
  • A young military family stand in front of their home, smiling.
    What You Should Know About VA Loan Bonus Entitlement

    VA Loan entitlement comes in two forms (basic VA loan entitlement, and bonus entitlement). Bonus entitlement can be used with any remaining VA loan basic entitlement or on its own.

  • keys to a property in a person's hand
    Owning Other Property While Applying for VA Mortgage

    VA loan rules have no prohibition against a borrower owning another property purchased with a non-VA loan while trying to apply for a new-purchase VA mortgage or refinance loan.

  • A military couple holds hands
    VA Loan Options for Military Couples

    For married couples looking for a VA home loan, when both are in the military, there are a variety of options when it comes to using VA insured loan benefits.

VA Loan Qualification

View All »
  • 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
    Getting a VA Loan When You Have Bad Credit

    Bad credit can make the process of getting a VA loan difficult, but it doesn't mean you're not eligible. Here we discuss getting a VA loan with bad credit.

  • Stack of coins with a graduation cap to represent student loans
    Student Loans and Your VA Home Loan Application

    Some VA loan applicants manage to keep student loans from being added to this debt picture. Do you know about how a student loan deferment could help your chances at a VA home loan?

VA Refinances

View All »
  • Homeowner sitting at desk and refinancing
    Which VA Refinancing Loans Require Occupancy?

    Some homeowners are confused about VA occupancy rules especially when it’s time to refinance the mortgage (conventional or VA) with a VA refinance loan.

  • calculate IRRRL savings
    About VA Interest Rate Reduction Refinancing Loan

    If you want lower monthly payments and a lower interest rate on an existing VA home loan, the VA Interest Rate Reduction Refinancing Loan is just for you.

  • Homeowner looking through refinancing paperwork
    No Credit Check Refinancing

    There are a variety of refinance options available under the VA loan program, but only with one the "no credit check" and "no appraisal" option is the VA Interest Rate Reduction Refinance Loan.