
Bad Credit
VA Just Changed How Collections Count On A VA Loan
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.
Carlos Scarpero, VA Mortgage Specialist, NMLS 1674385
Not sure where your credit leaves you?
Start the VA Loan PathfinderWould rather just talk? Call or text me at 937-572-3713.

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.