Rates & Credit
Article Archives - VA Loans Insider
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Getting a VA Loan After ForeclosureGoing through a foreclosure can devastate your credit score, but it doesn't mean you have to wait years and years, let alone a decade, to buy another home after experiencing a foreclosure.
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Explaining Daily Interest Charges for VA BuyersOne of the closing costs VA buyers usually contend with is prepaid interest on their new mortgage. Unlike rent, your mortgage is paid in arrears, meaning each payment covers the previous month you lived in the home, not the current one.
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How Compensating Factors Can Boost Your Chances of Securing a VA Home LoanCompensating factors such as a great credit history, minimal debt or solid cash reserves can bolster a VA loan application that's otherwise a little spotty. -
Can I Have Bad Credit and Still Get a VA Home Loan?Securing a VA loan with bad credit isn't impossible, but it is common for many lenders to have a more stringent credit requirements.
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A Closer Look at VA Adjustable-Rate Mortgages (ARMs)VA adjustable-rate mortgages (ARMs) can make good sense for the right homebuyer to make money and build equity. They also come with some additional protections that help safeguard veteran homebuyers. -
What Happens When Your Spouse Has Bad CreditAll parties on the mortgage will have to meet VA and lender requirements if considering purchasing a home using the VA home loan benefit, including your spouse.
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What VA Borrowers Need to Know About Foreclosure After BankruptcyForeclosure on your home following a bankruptcy can be confusing. Here's what VA homebuyers need to know about discharged mortgage debt and foreclosure.
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Are Simple Errors on Your Credit Report Killing Your Score?Clearing your report of inaccuracies and errors can make a huge difference in your credit score. It takes nothing but time and a little patience.
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VA Mortgage Rates – Stability Coming as Housing Marketing ModeratesAfter months on the rise, mortgage rates have started to stabilize, leaving analysts to hint at a possible ceiling. View the entire article here.
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5 Most Effective Habits of Homebuyers With Sky-High Credit ScoresConsumers with sky-high credit scores tend to share some common patterns. Take a look at five key habits of those with great credit.
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Cooking Up Your Credit Score: Here's What's Not in the RecipeYour credit score plays a critical role in your ability to get a VA loan. Get a look at what isn't included in that all-important score.
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CAIVRS, Federal Debts & Landing a VA Home LoanDelinquency or default on federal debts is tracked in the CAIVRS database and can force you to put your VA loan journey on hold. -
Two Credit Score Facts That Should Make You Appreciate VA LoansCredit score requirements for conventional and FHA loans continue to hover well above what you need for a VA loan.
