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.
A VA appraisal below your contract price is not the end of the deal. See how Tidewater, a Reconsideration of Value, and the escape clause actually work.
A rate and a closing cost number don’t tell you if a VA quote is competitive. Here’s how to read every section of the Loan Estimate and what’s actually negotiable.
VA publishes what a lender can and cannot charge you: the 1% flat charge, the unallowable fee list, the 4% seller concession rule, and the termite inspection.
