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VA Loan Qualification Loan Articles

  • 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.

  • Stack of coins with a graduation cap to represent student loans
    VA Mortgage and Student Loan Guidelines

    When applying for a VA loan, it’s important to have a strong understanding of all your monthly expenses including monthly student debt payments.

  • veteran mom holding her baby waving an American flag
    VA Loan Child Support Guidelines

    Child support frequently factors into Veterans’ VA loan applications. While the topic can be complex, it typically comes down to income and liability verification.

  • Small business owner working
    VA Home Loan Requirements for the Small Business Owner

    Self-employed veterans can still be eligible to obtain VA home loans. Self-employment income gives lenders pause only because it can seem less dependable than a salary. 

  • A 'for sale' sign sits in front of a house
    Applying for a VA Loan After a Short Sale

    The VA does not have a strict guideline for a waiting period, or seasoning period, after a short sale. However, after foreclosure, the VA encourages a two-year seasoning period.

  • female veteran applying for a mortgage
    VA Compensating Factors for Home Loans

    VA homebuyers with DTI or residual income concerns may be able to strengthen their chances with what are known as "compensating factors."

  • Using a VA Loan when Retiring from the Military

    Using a VA loan when retiring from the military is possible, but there are certain considerations to keep in mind to make your purchase smooth.

  • veteran calculating income
    Employment and Income Verification for VA Home Loans

    The VA has strict requirements for VA loan applicants about disclosing income, residency and other data necessary to approve a VA loan.