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VA Loan Articles for Homebuyers

Acceptable VA Loan Uses

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Co-borrowers and VA Loans

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    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.

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    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.

Loan Program Basics

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  • 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.

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    From the Nation's Top VA Lenders Today
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Occupancy Requirements

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  • 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

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    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.

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    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

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  • 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

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VA Loan Costs and Fees

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VA Loan Eligibility

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VA Loan Entitlement

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  • 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.

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    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

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  • 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
    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.

VA Refinances

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  • 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.