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). […]
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.