Browsing: VA Home Loan
Foreclosed on a VA or conventional mortgage? Here’s when you qualify again, how the two-year clock actually works, and what lenders want to see.
You can get a VA loan while in an active Chapter 13 bankruptcy, but the 12-month rule is only the start. Here’s what trustees, underwriters, and plan payments demand.
A Chapter 7 discharge doesn’t end your VA loan chances. Here’s when the two-year clock starts, what lenders add on, and how to rebuild your file fast.
A practical guide to VA mortgage manual underwriting: when it applies, how underwriters weigh credit and residual income, and what to prepare before you apply.
A VA loan with medical collections is possible. Learn how lenders view unpaid medical bills, when payoff is required, and how to protect your approval.
Carrying big card balances and still want a VA loan? Here’s how lenders calculate DTI, residual income, and what actually gets high credit card debt approved.
A charge-off doesn’t automatically kill a VA loan. Here’s how lenders treat paid, unpaid, and medical charge-offs, and what you’ll need in hand before closing.
Collections don’t automatically kill a VA loan. Here’s what VA guidelines really say, how lenders count unpaid balances, and when paying up is worth it.
Late payments don’t automatically sink a VA loan. Here’s how VA underwriting treats 30-, 60- and 90-day lates, plus the stricter rules lenders add on top.
No credit score? See how VA lenders use alternative credit, manual underwriting, and 12 months of payment history for a VA home loan with no credit history.