VA Mortgage Navigator
VA loans are one of the strongest home-financing benefits available to eligible Veterans, Servicemembers and certain surviving spouses—but the details matter.
Explore VA Home Loans
Eligibility & COE
Who may qualify and what the Certificate of Eligibility actually proves.
Entitlement & loan limits
Full entitlement, remaining entitlement and when a down payment may be required.
Credit & underwriting
Why VA itself does not publish a universal minimum credit score.
Residual income & DTI
Why VA qualifying is about more than one debt ratio.
Funding fee & exemptions
Purchase, cash-out, IRRRL, assumptions and exempt borrowers.
Appraisal & property
VA value, Minimum Property Requirements and 2026 MPR updates.
VA purchase loans
No-down-payment potential, occupancy and eligible property types.
IRRRL / streamline
VA-to-VA refinancing designed to reduce or stabilize payments.
VA cash-out refinance
Cash out or refinance a non-VA lien into a VA-backed loan.
VA loan assumptions
Who can assume, funding fee, underwriting and entitlement considerations.
VA Underwriting Deep Dive
Go beyond the basics into income, self-employment, debts, assets, residual income, occupancy, surviving spouses, concessions, property types and lender overlays.
VA Edge Cases, Entitlement & Refinance
Remaining entitlement, multiple VA loans, restoration, PCS moves, joint loans, assumptions, IRRRL and cash-out refinance rules.
VA Final Gap Audit
See the complete VA coverage map and the framework for separating actual VA rules from underwriting results and lender overlays.
Official VA baseline
VA Home Loans · VA Pamphlet 26-7 Lender's Handbook
VA sets the guaranty program rules, while private lenders underwrite and may impose overlays that are stricter than VA's baseline.