VA Loan Blog
By Ryan Singer, NMLS #1520306
Plain-English answers on VA loans and refinancing, from a loan officer who closes them every week.
VA IRRRL vs. VA Cash-Out Refinance: Which One Fits You?How the VA IRRRL streamline and the VA cash-out refinance differ on rate, equity, paperwork, appraisal and funding fee, and how to pick the right one.Read the guide →VA Funding Fee 2026: Current Rates and Who Is ExemptThe 2026 VA funding fee for purchase, cash-out and IRRRL loans, who is exempt, how refunds work and whether to finance the fee or pay it at closing.Read the guide →Can You Get a VA Loan With a 500 Credit Score?VA has no minimum credit score, and I can approve VA loans down to a 500 FICO. What lenders look at, how to strengthen your file and what to expect.Read the guide →VA Loan After Bankruptcy or Foreclosure: How Soon You Can Buy AgainHow long you wait for a VA loan after Chapter 7, Chapter 13, foreclosure or short sale, what happens to your entitlement and how to rebuild your file.Read the guide →