Learn Before You Borrow
VA Loan Guides & Resources
Straight answers on eligibility, entitlement, buying, refinancing, and credit, written by a veteran-owned team that works the VA benefit every day. Use the free VA loan calculators to run your numbers, or start with how the VA loan works.
2 Guides
Buying
Buying
Buy Near Camp Pendleton: VA Loan
Compare Oceanside, Vista, Fallbrook and Temecula for Camp Pendleton Marines using a VA loan: price, commute, BAH and what to ask before you buy.
Renaldo Wilson · · 8 min read
Buying
VA Seller Concessions: 4% Rule
Closing costs and seller concessions are different on a VA loan. See what counts toward the 4% cap, what does not, and how to use it.
Renaldo Wilson · · 10 min read
2 Guides
Credit & Qualifying
Credit & Qualifying
Does BAH Count for a VA Loan?
Yes, BAH can count as income on a VA loan. See the 12-month rule, how tax-free gross-up works, how the LES is used, and where lenders differ.
Renaldo Wilson · · 9 min read
Credit & Qualifying
VA Loan With a 580 Credit Score
The VA sets no minimum credit score, but lenders do. See what underwriters check at 580 and what to fix first. Lender policies vary.
Renaldo Wilson · · 10 min read