VA loan debt-to-income (DTI) is the percentage of your monthly income that goes toward debts, including your future mortgage payment. While the VA does not set a strict maximum, most lenders look for a DTI around 41% or lower—though higher ratios may still be approved...
Yes, in many cases you can roll certain closing costs into a VA loan—but not all of them. It depends on the type of fee, the appraised value of the home, and how the loan is structured. Some costs can be financed, while others may need to be paid upfront or covered...
Retirement income can absolutely matter when you apply for a VA home loan. In many cases, retirement pay, pension income, Social Security retirement benefits, military retirement, and similar fixed income sources may be used to help qualify, as long as the income is...
A VA loan co-signer—also called a joint borrower—can help you qualify by combining income and assets, but they must typically be a spouse or another eligible Veteran to receive full VA benefits. Using a non-eligible co-signer may still be possible, but it can change...
For Reserve and National Guard service members, understanding exactly when you can use your VA home loan benefit can feel confusing. The good news is that once you’ve completed the required service and your points reflect qualifying years, you may already be...
Quick Summary: In 2026, the baseline VA loan limit has increased to $832,750. However, your VA loan does not automatically change status during a divorce. To protect your entitlement and remove financial liability, you must take specific legal actions such as a VA...