VA Handbook Chapter 4: Credit Underwriting Explained in Plain English
New to VA loans? See if you qualify in 30 seconds. No credit pull. Last reviewed: September 29, 2026 Primary source: VA Pamphlet 26-7 (VA Lenders Handbook), Chapter 4: Credit Underwriting, current as published on the VA’s official KnowVA Knowledge Base, last updated August 24, 2026 (includes the August 24, 2026 revision to Topic 7). […]
Can a Co-Signer Help You Get a VA Loan with Bad Credit?
VA loans do not allow traditional co-signers, but veterans with bad credit still have options. Learn what actually works, including adding a spouse, manual underwriting, and finding the right lender.
Letter of Explanation…..Your Key To Home Loan Approval
Letter of Explanation…..Your Key To VA Home Loan Approval Table of Contents Key Takeaways Introduction Why a Letter of Explanation Matters Understanding Manual Underwriting Extenuating Circumstances: What They Are and How They Help Be Honest and Transparent How to Format Your Letter of Explanation Get Professional Help and Review Writing Tips: Clarity, Spelling, and Grammar […]
Understanding Housing History Requirements for VA Home Loans
Understanding Housing History Requirements for VA Home Loans https://youtu.be/VSesqRazxes Key Takeaways Housing Stability is Crucial:The VA prioritizes borrowers with a stable housing history to ensure they can make on-time payments, requiring two years without late payments on rent or mortgage. Late Payments Are Defined Clearly:A payment is considered “late” only if it’s more than […]