The VA handbook now counts an unpaid non-medical collection at 5% of the balance divided by 12 months. A $10,000 collection drops from $500 to about $42.
Can you use a VA loan on a deed-restricted affordable home? What VA’s resale-restriction and marketability rules require, and what to check before you sign.
Sellers worry VA appraisals run low and closings drag. What the VA Lender’s Handbook actually says, and how to make your VA offer competitive anyway.
H.R. 9237 would raise the VA IRRRL funding fee. What the bill text actually says, where it stands as of August 15 2026, and what it means for your refinance.
See the current VA funding fee rates by down payment and loan type, who’s exempt, and the timing rule that decides whether a late disability rating gets you a refund.
VA underwriting turns on residual income, not just the 41% DTI number. The current tables, how tax-free income changes the math, and why lenders differ.
