VA Final Gap Audit
A systematic map of the VA library—built to catch missing branches and keep lender overlays from being mistaken for VA rules.
VA Navigator coverage map
Eligibility & COE
Service eligibility, COE and entitlement.
Credit & underwriting
VA's credit framework, AUS and lender overlays.
Income & employment
Employment, self-employment and qualifying income.
Debts & student loans
Recurring obligations and debt analysis.
Residual income & DTI
Why VA qualification is more than a single DTI number.
Assets & reserves
Funds to close and reserve considerations.
Occupancy & deployment
Primary residence, spouse/dependent occupancy and military circumstances.
Property & appraisal
VA valuation, property standards, Tidewater and ROV.
Condos & manufactured homes
Property-specific VA eligibility issues.
Fees & seller concessions
Veteran-paid charges and concession rules.
Entitlement & edge cases
Remaining entitlement, multiple loans, joint loans, PCS and assumptions.
IRRRL
VA-to-VA streamline refinance concepts.
Cash-out refinance
VA cash-out structure and benefit rules.
Surviving spouses
Eligibility deserves its own analysis rather than a blanket rule.
The four questions behind a VA “no”
- Is it actually a VA rule?
- Is it an underwriting/AUS result?
- Is it a lender or investor overlay?
- Is there another legitimate VA structure?
Final audit result
The consumer/origination VA library now covers the major purchase, underwriting, property, entitlement, refinance and edge-case branches. Servicing/loss mitigation can remain a separate homeowner-assistance library rather than being mixed into purchase qualification.