KEY TAKEAWAYS Foreclosure does not permanently end your VA loan benefit. The standard waiting period is 2 years from the date the foreclosure completed — not when you moved out or when the loan first went delinquent. If the VA paid a guaranty claim to your lender on the defaulted loan, that entitlement is not automatically restored after two years — you must repay the VA's … [Read more...] about VA Loan After Foreclosure: Waiting Periods, Entitlement, and How to Qualify in 2026
VA Loan Eligibility
Debt-to-Income Ratio for VA Loans: What the 41% Rule Really Means
KEY TAKEAWAYS The VA guidelines suggest a 41% DTI as the threshold — but unlike FHA and conventional loans, exceeding this doesn't automatically disqualify you. The VA's residual income requirement is a more powerful qualifier than DTI alone — lenders may approve borrowers above 41% DTI if residual income is strong. VA loans don't have a hard DTI cap written into VA … [Read more...] about Debt-to-Income Ratio for VA Loans: What the 41% Rule Really Means
VA Loan With Student Loan Debt: How It’s Counted and How to Qualify in 2026
KEY TAKEAWAYS •Student loan debt does not disqualify you from a VA loan. What matters is how the monthly payment is counted in your debt-to-income ratio — not the total balance you owe. •VA lenders use the higher of your documented monthly payment or 5% of the outstanding balance divided by 12 as the qualifying payment — unless the loan is in qualifying deferment. •Student … [Read more...] about VA Loan With Student Loan Debt: How It’s Counted and How to Qualify in 2026
VA Minimum Property Requirements (MPRs): What Every Veteran Buyer Needs to Know in 2026
KEY TAKEAWAYS •Every VA purchase requires a VA appraisal that checks both market value and whether the property meets the VA's Minimum Property Requirements — the home must be safe, structurally sound, and sanitary. •As of May 1, 2026, two MPR rules changed: peeling paint on post-1978 homes is no longer a repair condition, and outbuildings (sheds, detached garages, barns) are … [Read more...] about VA Minimum Property Requirements (MPRs): What Every Veteran Buyer Needs to Know in 2026