VA Loan Guides

Who qualifies, the Certificate of Eligibility, and what lenders check.

VA sets no minimum score — lenders do. What that means for you.

Why most borrowers have no limit — and when county limits apply.

Loans above the county limit: the guaranty math and lender rules.

When a second VA loan works, the bonus entitlement math, and down payments.

Full vs remaining entitlement, two VA loans at once, and restoration.

Who can assume a VA loan, the 0.5% fee, and the entitlement catch.

Every current funding fee rate by loan type, use, and down payment.

Who gets the funding fee back and how VA pays it.

What buyers actually pay, the 4% seller rule, and who can pay what.

Estimate your real monthly payment with the VA funding fee included.

What appraisers check, what it costs, and what to do if value comes in low.

COE to close in about 30–45 days — every step, and what delays it.

Straight answers to the most-searched VA loan questions.

VA's leftover-income test, the regional tables, and how it offsets high DTI.

Estimate your buying power with DTI, residual income, and zero down.

How the VA streamline refinance works and when it's worth it.